Exactly my thought - as don't need to provide proof of income this way anyway. Shouldn't really be relevant to the bank anyway as they have no risk at all, seeing as the CL they give is equivalent to the FD.

You are lucky they didn't ask for supporting documents at all!

In my initial application I told them I don't have any supporting documents, just want to place FD against CL and that's it. I did exactly the same with Citibank, also no problem.

I pledge for a number of reasons. My income fall short of the 180k requirement. And i will need a CL of >150k as i will want to make two 0% ezypay totalling about 100k . This way, with a pledge of 150k i could make my application more favourable and will not be burdened by low CL.

I just write 180k (minimum requirement) there...

maybe your CCRIS or CTOS record not that good..
or u are high risk customer..e.g. too many card, have alot of loan and etc...

Don't see why they'd care if you're pledging FD? No risk to them!

it's not as simple as that
banks don't see the logic as so linear
customer behaviour and credit lending it is more complicated than tha
it is not like you have 90K of FD - they give you 90K credit limit

CCRIS or CTOS no black dot, just have few housing loan and those cards, all prompt payment.

If they willing to share what is the reject reason, it might make me have better peace of mind. Not like this, i have no idea what to do next

i guess this is the reason...
maybe you should try apply again after few months

Maybe Maybank really not so linear then, I have my PBB Visa Signature approved recently (after Maybank reject me)

maybank and CIMB are the bank that follow the procedure from top to bottom..

Received SMS yesterday, my application has been approved. So for those who doesn't meet the income requirement but are existing MBB cardholder with more than RM30k credit limit, can try your luck as well.


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Pledge FD? Or just send it application to upgrade the cards without supporting documents for income?

No pledging FD.

I applied the cards during treats fair. Submit new form and NRIC only. I declared 0 income being a SAHM. As I mentioned earlier, I have existing MBB 2 Cards Platinum with credit liimit more than RM30k. This is one of the requirement told by the sales guy in order to get these cards.

This post has been edited by periwater: Jun 27 2014, 06:46 PM

Congratulation peri..happy 4 u..
MB2Cards premier are the best premier CC to have. .

This post has been edited by tigaxxx: Jun 27 2014, 07:11 PM

Oh, sorry forget your earlier posts.
Seem like i'm older than you

.
Seems Maybank are a bit strange in their selection process, considering others offered to pledge FD and also rejected

Yeah, most banks I think have a pretty strange selection process and not entirely logical. They probably have secret info about you and score you based on stuff you don't know about.

No problems

Are you thinking to apply for this card too?


I was told by a HSBC banker that I have a high score in their system (not sure what is their system) when I applied for their mortgage a few years back. I rejected their offers twice, managed to negotiate to the rates I wanted and only 3 years lock in period without MRTA. The banker was surprised when the bank agreed to my terms, and told me that I have a high score in their system and my credit profile is what the bank likes.

Then last year, I called CIMB to cancel my Platinum card, instead I was being offered to upgrade to Visa Signature or World MasterCard with all fees waived and cash back of RM150 or RM250 (can't remember the amount). I was surprised too because I am a SAHM then. So I think the bank somehow have a credit profile which they like, which is unknown to us.

FYI, MBB give me the lowest credit limit among all cards that I owned and Standard Chartered Bank give me the highest credit limit at RM70k.