Interesting using Credit Card  Dispute to scam
http://www.thestar.com.my/News/Nation/2013...am-pledges.aspx
http://www.thestar.com.my/News/Nation/2013...t-creators.aspx

THen now i hard to apply credit card jo.. sien lor.. Payslip and Bank Statement also got, but still give reject. Those have other which not so straight on CCRIS?

Just curious... roughly how much commission can one agent/bank staff make when he/she successfully gets someone to sign up for a credit card? Sometimes I see them like die die want you to sign up, follow you walking in the mall till like 50m or so..   
Surely there are people here working in the banking industry.. 

thanks for the reply, i think if need pay extra rm78 than normal price, then it still is managable, when ppl said the interest rate is ridiculous, what i imagine is like..rm2000 total will be like rm3000...again, thx for the englightment

your m2u method means using casa only right?
that means if really kiasu to use cc to pay for quit rent have to go all the way to ptg counter. 

All banks are stupid and they're here for not giving free lunch.

Hi,

Can I use credit card balance transfer to
pay my CC debt?

I would like to pay my CC debt of 4k and cancel it.
Don't want to use CC anymore.

Sorry for asking this, I'm not well versed in banking.

if you have a monthly saving of around rm4k and yet without payslip and epf, how do you pay your tax?

how does the bank define our annual income? is it based on our monthly salary for 12 months or 12 months salary + annual bonus?

my bonus is also credited in EPF. so let say my annual bonus is on april and appeared in may EPF statement, it is best to apply between may - july to meet the highest income requirement?

Is it a norm for you to disclose your payslips to the banks in your credit card application? I understand they are bound by confidentiality but my contract clearly states that my salary should not be revealed to third parties... Any thoughts or experiences?

Will have to place some trust on the person handling the application I suppose... I can't imagine other ways people make applications for credit cards/ loans if they didn't disclose their salary. Thanks for your reply!

If they have stated it, i am still ok..but there was one time, a cashier at guardian pandai pandai said cannot...

yeah, cross and scan before submit.

depends which document. hehe. those already in softcopy form can photoshop lor.

don't worry, you will be charged after a few days. 

fake calls from different banks yet the same number you stated? or it can be any number other than that? i need to save it in my phone contact list.

Guys,
Need advice on which credit card is most beneficial for insurance payment? Specifically Great Eastern insurance. Currently paying with my Maybank Visa which doesnt give any benefits apart from treat points.

Hi all,

Yesterday my maybank mastercard(apply with amex) was fraud for online transaction. How come some of those online transactions doesnt need MSOS code to proceed and some need MSOS code to proceed? My cards successfully go through 9 transactions over 30 attempts..

Me myself also curious sometimes I purchase online, doesn't need MSOS as well..

Example I purchase phone in Xiaomi Malaysia website payment through Paypal, I dont need wait for MSOS code to proceed..just key in credit card number, name and the 3 digit code will do..

My concern is, what is the most secure credit card that I can get for online purchase?

Maybank2kard give you a lot of points..but cash back option is limitee to weekend and got capping.

looking at my usage, a straight cash back without barriers is the best choice..
So shud be only ocbc and hlb essential

you're right

and before you apply for either of those, just make sure their credit limit is sufficient for your use... especially if your bills cost 20k+ per month

btw, water bill (syabas) is only payable via savings/current account.