Gen-x sir,

You didn't reply my question yet. Although it is off topic. Can I used ASG/FD to apply for Maybank 2 Gold card? I am not working yet (studying) but I can use those cards to earn money after reading your post rather than using cash

In ASG and FD, I have >RM50k

Yeah, playing DCI got thrill unlike FD 

As a principal card holder? Only way without income is to pledge FD.

Maybank offer 1 to 1 ratio of FD amount you pledge : Credit Limit.

I was tempted to go into DCI but now with AUD currency & interest rate so low, abit scared.

DCI no thrill nowadays with single digit rate only.

Last time got 20~30% rate, then really thrill. 

Yeah. I would like to apply for Maybank2 Gold card but seeing that I am not working yet = no income proof

But I have my FD and ASG which shows money of >RM50k. Can that be use?

Yeah. I would like to apply for Maybank2 Gold card but seeing that I am not working yet = no income proof

But I have my FD and ASG which shows money of >RM50k. Can that be use?

Best is to check with the bank. Sometimes they say you need to show proof this that but sometimes the sales agent don't really follow also.

your fd need to be deposit to mbb at board rate. the amount u pledge is equal to your credit limit. you need to write in to mbb card center to put in this request they will then send you a letter whether approve or not.

with this letter you can go to any mbb branch and put in your fd per amount stated in offer letter. they will also let you sign an agreement to offset any outstanding with your fd if you fail to pay (i did not read the details so pls find out yourself). also pay rm10 for stamp duty.

i have tried to apply by showing off (fd certs and etc) but was rejected so i dont think it will work for you either. the whole point is mbb need smtg in hand before they grant you the card.

Gen-x sir,

You didn't reply my question yet. Although it is off topic. Can I used ASG/FD to apply for Maybank 2 Gold card? I am not working yet (studying) but I can use those cards to earn money after reading your post rather than using cash

In ASG and FD, I have >RM50k

Bro, firstly, how old are you?

Secondly, clcik here to Credit Card Ask General Question Thread as more people there should be able to assist you.

Last but not least, I not not with Maybank Credit Card Evaluation Dept, so I won't have a clue if they will approve your application or not. You can easily go to Maybankard Centre to enquire if you qualify for their card or not.

munkeyflo, since you under probation I will not launch a complain and you may be excuse for spamming with two posts in a row, hahahaha. But seriously, in CC section, the Mods/Staff do not encourage posts in a row unless if a thread is inactive for a while and a member one to bum it to get the attention of others on what he/she wants to share.

Bro, firstly, how old are you?

Don't report me la captain.

Yea, cause one post one reply in these subforums means trying to gain post counts, i.e. stars. That one was because I saw his reply only after I posted. Not spam leh.

Captain Gen-X,
23 actually. But I have been saving since small and read your article, I feel better to use Maybank 2 card than cash. At least can earn something back.

Thought you know all about credit cards. Cause I read before on how you apply your cards without working.

I think I will try at Midvalley and see if they approve or not. If they don't approve, assume it is just window shopping. 

Cash (in FD) is KING 
Old man are wise man  And if one is going to heaven soon, I guess no point to be in wealth accumulation mode, hahahaha.

Old man expenses not much (mainly medications and utility bills), with FD, they get guaranteed income (to pay for the medications and utility bills) and no headaches (e.g. funds stuck in Share Market during bear market, no need to attend to tenants' complains or worst tenant not paying rent or shop house got burned).

Another thing, old people not many have medical insurance, thus need cash when hospitalized. Moreover, a RM3M property is not going to pay (in time) for one's intensive care bills to prolong one's life that's for sure   
Everybody need cash in hand no matter at what stage in life.

Many young people (fresh graduate who are employed) are cashless (no savings) nowadays because they burn away their disposable income on unnecessary lifestyle (Jap restaurants, Alexis, Starbucks) and new gadgets (when their current model is still working perfectly) by signing up for installment plans and getting a Myvi with 9 years loan instead of getting a second hand car (or even maybe taking public transportation). Imagine the money they will have in years to come if they had used the money to repay loans and instead deposit it in FD. And what ever money saved can also be used to pay more down payment for a home and thus saving themselves in interest charges. And, FD is way better place to save money versus Savings Accounts.
Yeah, playing DCI got thrill unlike FD 

My FD certs are all over the place except at MBB. I don't have any FD in MBB. All I have is M2U account

to get mbb2card gold i dont think you need ten of thousand. a few k will do.

my advice:

1. deposit x amount at mbb over counter for 12m with board rate (3.3%)
2.  write a letter to mbb card division, offer to pledge your fd of x amount to get mbb2card

Just go ask your parents apply for the MBB 2 Cards and supp to you 

Personally I would still place my asset in diff classes like FD, UT, property etc. Stock wise still holding some but not much, bad in playing stocks.

Until I have problem in looking at figures (leng lui excepted,barring my eyes still can see clearly) then will move everything to FD. But then have to depend on people to bring me to banks to place/uplift FD .............. Cannot converse in this forum anymore ....................

By the way, my parents don't believe in credit card like I told you in previous PM. They prefer cash. I am heartbroken they are not getting anything back. 

They don't believe people will give you free money. They believe that there is a catch some where despite me telling them about your blog. "They say he rich man can apply for ccredit card. You normal people, don't need to apply for credit card." Even my whole family old school thoughts. Don't believe in credit cards except me. Ask my sister to apply for it so I can do my online purchse, She shouted at me "Think I so free to log into M2U to pay for petrol and grocessaries everyday is it?!"  Besides, if they apply for the card, they need to pay GST RM150. Not worth. At least, if I apply, I just need to pay RM100. Can save RM50.

Bro, 99.99% of the people are like you..... and when you said move everything to FD, I believe you meant whatever assets remaining you have not transferred or assigned to your loved ones (and whatever remaining assets you do convert to CASH will be more than enough for you to to survive and go play china dolls for another 100 yearss,hahahaha).

And sometimes it is not just vision, having a mild stroke, bypass or when one legs become weak will make a person plan ahead.

Say I depoist RM20k, in mbb. They approve my card. Can I uplift the RM20k and put some where else? Or that FD cannot be uplifted? I have done previous online transcation for a while (2 years +) using my debit card. Can I used that to support my credit reputation

Nowadays who can assign everything out when you are still alive ?    One may find that he has to beg to stay in the house he bought years ago. Better spent up children's inheritance and let them earn their worth !

China dolls can see see only. That is why I emphasize on eye sight. Can see and understand figures (not the figures related to china doll). Can see the FD cert clearly.