what?! perhaps divide your cl out the other day would be better to secure a ikhwan... 

I believe the active BT might be 1 of the factor which bank do not approve your credit card application.

For those who has both Maybank and Maybank Islamic credit cards.

Does the CL of Maybank credit card will be affected if you apply for Maybank Islamic credit card?

For example,

Currently with Maybank credit cards, total CL is RM20K. When applying for Maybank Islamic credit card and get approved. Will the Maybank CL will cut?

I know it's separate...

But what am I facing now is...

CS told me that the CL from Maybank will be cut once the Maybank Islamic card is approve..

The CS who entertained me said that, if the Maybank Islamic CL is RM10K, then they will cut the CL RM10K from Maybank, put into Maybank Islamic...

My concern is... don't cut my Maybank CL.
Separate is ok...

if your income can cover all your commitments (obviously you can), you may ask to have a separate cl for your ikhwan without affecting your existing m2cards cl. but if they found out you are not, then they will reject your ikhwan application. if you are worry and want to secure the ikhwan card, you may just agree to cut the cl from m2cards to your ikhwan, then later apply to increase your m2cards cl. lol...

I think the CS saying these to me might due to previously (about 4 years ago) when I cut my Maybank Islamic credit card, I did request them to add in the cut card's CL into my Maybank card. So now if I plan to apply Maybank Islamic credit card, they are going "take back" the CL from Maybank..  

I think it was something to do with the CL reason. For the past few months I did apply for one local bank and one foreign bank's card, both also get decline...    

 

Not dare to try unless I can get the confirmation from them...
Hard to maintain the high CL as per today... better keep it..

How to separate conventional CL & islamic CL without cutting some % from your existing conventional CL? If your current income only eligible for RM X CL and your existing conventional CL already assigned with RM X CL, your new islamic CL need to "eat" some % from your existing conventional CL so you will have two split conv & islamc CL at the end which total of RM X

our total CL (islamic+conv) to the bank is one lump sum figure based on our proof of income. from this value, bank need to split to two different CL that will be independent and standalone

Also, don't think BT is a culprit.
Its all goes by case to case, very hard to know the real reason for the time.
I had my card approve(other bank) while having BT.

And I also been rejected for this card  .
Maybe because of M2U.

Fruities, sad case to you.
Btw, i just apply this card last friday, call to pre-approve no, but the maybank sales girl still requested me to submit Payslip to her since my salary is not credit in Maybank. The sales girl even asked alot of information from me (name, address and etc) even though I had saving, current, car loan, house loan, m2card with maybank. I did ask why you cannot check on the system as my information should be in your maybank system, but she insisted want to ask again as she didnt have computer with her.

Recently I had 3 times experiences of being reject while applying for CC (Pb, HSBC, HL). I did asked the CS before, they told me the same thing, they don't know the real reason, just can tell me the possible reason same as you. For HL cc, my fren is the salesman, he help me to appeal and it approved after that.

But I think all of the rejection is due to High Commitment as when I apply car loan last year, the officer did told me your commitment is high, hence I submit Stock Market and FD statement, then they approved after that. I think they will consider all your outstanding credit (loan, bt, installement) and compare with your monthly salary. Credit card application approval process should be more or less same with Car/House Loan.

Let's see whether my Ikhwan CC application will be rejecte or not, if rejected, I will ask the sales girl to appeal for me, and I can submit more document such as Stock Market statement or FD Statement.

P/S: All of my payment history are good, I also never ever pay a single cent interest or late payment to any Bank Loan or CC. My CCRIS records all are 00000. Just that the outstanding credit is high  0% BT is the culprit also which increase the outstanding credit 

But I think when they process your application, and check with CCRIS, ur CCRIS will show to them your total outstanding amount , for eg M2Card outstanding balance is 15000, (11000 from bt,4000 from statement balance[which you haven't pay it since not reaching due date yet]).

Just my 2 cents.

Or another reason which I suspected before is they will check all of our credit cards limit, and will not approve if total credit limit is high? Bank negara not allowed us to own too many credit limit?
I am not sure..hehe, I just requested OCBC to reduce my credit limit from 25k to 8k. But I not dare to terminate my rarely use OCBC and SCB cards yet, as I scare if I couldn't apply new CC anymore, at least these 2 card still can serve as backup card.

Too many iphones purchase is bad for credit card history. 

at least you get a better explanation from the 2nd CS..
since the problem with credit limits, instead of reject, the bank should call u to discuss whether you could reduce the credit limits on current card and having the new card...

maybank still much to learn on how to get more customer to spend..

actually bank also is doing business = to gain profit.

when they analyse you of having high exposure, it doesn't mean that they feel you unable to pay them back. it simply means that you may not be able to further utilise their cc (based on your current usage and capability).

your response of "never owed mbb a single cent" won't be helping, as they prefer you to owe and pay them interest.

you should have replied that you are actually considering to cancel "some of your other cc" to give way to this cc (if approved). this may give the cs a reason to put a note for an appeal for management approval.

At least you know the reason. Aeon take 2 days to reject my application with the reason "Management decision"

Thinking to get the card for BT purpose now no hope.... 

why dont consider MBB VS since VS also come with cashback features..
add on another card that having same credit limit, they no reason to reject you this time 

Frutie, you called to first level of CS, and he/she able to tell you the real reason? or they escalate the call to someone higher level?
I remember last time when I asked first level of CS, they said they dont know, they only know is rejected and they dont know the real reason..

i also got rejected becoz of this.. too much commitment on housing loans..

From what I heard, if your current credit limit already VS level (20k),u can get the card without hassle.
Perhaps you head to MBB VS thread and have a look

another reason of rejection may be due to other cc application you did recently around the same time when you applied for this ikhwan cc? did you any?