Which bank signature card? The credit limit is RM50,000 or RM500.000? Your salary must be very high if the credit limit is RM500,000

yeah, some banks don't call for verification. for example, my recent cc application from rhb. when i apply i believe my application won't be approved. after around 1 week+ no verification call, i confirmed that my application must have been rejected. but after 2 weeks i received one package (with 2 rhb cc inside) thrown to the floor of my house compartment by poslaju because i'm not at home that day.

you must have priority banking with both banks right?

just want to clear my doubt.

normally if never own a credit card before, to apply you need some document such as efp, bank statement, salary slip and so on for them to verify that i have the annual income total of rm24k so they approved the credit card for me.

ok. now i have own a credit card already. the problem is now my salary is lower than rm24k. do they still need my document to submit so they can do their verification. i heard some people say that if you have an existing credit card, it will easy to apply and approve another credit card???

if i wan to apply for citibank credit card is it hard to get approved?
i have apply for it and come back rejected twice.
but before this most my friend apply citibank sure all reject.

why ya? :star: :star:

why your credit card application got rejected?

here are some factors will affect your credit card application:

1. not enough credit history
2. having too many credit cards
3. outstanding credit cards balance
4. late payment for credit cards/loan/bills
5. mistakes in application form
6. income not qualified to fulfill minimum income requirements
7. your haven't been working long enough
8. applying too many cards at 1 time

Read More
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html
http://www.ccris.com/tag/how-a-bank-loan-o...ed-or-rejected/

@aromachong

I'll appreciate it if you were to post responsibly and not to suggest something incredulous as what you have posted. As much as this is a forum for sharing ... it is not a place to suggest anything which may run foul of the law.

(The post is removed in case anyone asked)

The same remark applies to everyone here.

@aromachong

Appreciate your reply but this is not your personal battleground for squabbling not it is mine. Your reply will be reviewed by other admins and for now ... let's allow everybody else to move on.

Still not billed yet, i now have 2 unbilled transactions, one is a wedding ring which costs thousands and another one are gift that i bought from overseas . I have the transaction slip with me.

I've just received my current account statement as of today and its not showing.

My current limit is healthy and i have 0 debts   

Cancelling the card doesn't mean the person can get away with free items.

Under standard T&C which the bank signs everybody up for when they apply for a credit card  - Customer is liable for any transactions that occurred while the card is active. The only way it wouldn't appear if the merchant forgot to post the transaction to the bank which is unlikely. If the merchant do an audit, the shortfall will be uncovered. Shop owner will just look at the cashier/salesperson information that processed the transaction and "cover" the shortfall. To note "cover" means compensate/pay/replace, etc - they all carry the same meaning.

Note : Merchant still able to post the transaction to the bank and not necessarily on the same day. There's more to this but I would not disclose details as being Malaysians, this info has a high potential (and almost certainly) to be abused.

It is basically one person loss vs another person's gain and this error in this example costs thousands.
That's why I strongly discourage such irresponsible posts. Often I don't allow such posts because they are 99.999% subjected to abuse by a typical minded Malaysian mindset that finds ways to circumnavigate the system and justify it via their so-called logical interpretation that is relevant to them. Yes ... it is not wrong within the framework as the offense has yet to be discovered (perhaps only in Malaysia and to those with typical Malaysian style thinking but I would like to believe there are Malaysians with highly civilized and mature thinking that exists) but the ethical breach are universal and applies all over. Please do not forget the poor chap who has to pay thousands to cover the shortfall.

Perhaps the beneficiary has no guilt while wearing that jewelery around while another suffer financially at his/her mistake. There's no borders in such situation ... whether you are young, old, rich (even so for filthy rich) or poor what's morally wrong remains morally wrong.
P/S Sorry folks for my long absence presence in the forum. Stayed in the background monitoring threads and probably it is a good time to come back active. The regulars here would remember my style and yes ... I still remember you guys 

Hi

Just to add what bro @Human Nature said

Don't apply just for fun / without thinking / pity the sales person / help the sales person / want gift
All banks sales person have a target (and sometimes daily target) that they need to achieve. Banks once they approve your card application (which is another competition game) will charge you the GST.

Too many times this forum is being used as a "rescue tool" because don't want to pay GST coz haven't use card yet and a million other reasons. I'm deeply irritated and irked by such attitude because this forum is being abused for selfish and childish reasons by readers whom I felt are not ready to carry responsibilities in the real world.

I'd like to advise readers to think carefully and maturely when applying a credit card and don't behave immaturely / irresponsibly.

just to get things straight, I AM NOT looking to get these premiere cards now for oversea spending, merely asking for any gold or platinum that tailored for oversea spending, at least I know bringing a clear card or petronas card to oversea is not going to get me anything compare to maybank 2 card, some platinum card gives free insurance, free lounge entry (with terms), better point collections etc while spending overseas.

I may never get those premiere card but to get a BETTER card to spend a nice DIY holiday is what I am hoping now.