There must be people who like to accumulate debt. If not so, how banks will earn enough to give us cashback ?

This one lagi hebat.

May I know how you made it?

Mind to share details?

They will reject you first, it will be from your side to request for split limit if you still want to pursue with this card. No worries.

i know that Ikhwan is good after AMEX has cancel the 5% benefit.
but i still don't understand why need to split limit for Ikhwan card? it looks like quite troublesome.
can we just apply another Ikhwan card and share the credit limit with the maybank2 card?

i know that Ikhwan is good after AMEX has cancel the 5% benefit.
but i still don't understand why need to split limit for Ikhwan card? it looks like quite troublesome.
can we just apply another Ikhwan card and share the credit limit with the maybank2 card?

Of course you can apply like normal but Ikhwan till date has one of the highest rejection rates compared to other cards. I have been rejected twice and just approved recently after I agreed to split limit.


Ways to get Ikhwan MasterCard:
I) Apply like normal applications
II) If method I fails, then ask to split limit from your existing conventional credit limit to Islamic credit limit.
III) If method II still fails, convert your existing Maybank card to Ikhwan.

#alexanderclz

i see... thanks for the clarification...

Well, latest news that I read from thestar is 47% of the youngsters are having bad debts(CC or PL) and there's sign of increasing.
Most people never think on how this 1.5%/month will do until they reach age of 30 where they are getting married or buying a house.
AKPK, newspapers, online portals have such articles but yet some refuse to read and understand, rather than asking others to support having bad debts are right.
When dealing with such people, using the gentle way won't help

they can go bankrupt for all i care but don't later the government impose more stringent measure that may affect all of us

naah, i don't think it will effect us who pays on time. any new measures only for those who will go in debt

they can go bankrupt for all i care but don't later the government impose more stringent measure that may affect all of us

remember the RM50 GST previously? remember the limit imposed by BNM on max 2 issuers for a certain income level?

we all know what the GST is for. and yeah, i do agree with the 2nd one; if your pay is not enough, then don't get so many credit cards.

That's true and I'm quite sure government is looking into this as it's already reported on newspaper. The thing is Gen-Y is so called the leaders for tomorrow and it's at this worrying stage now. I'm also one of the Gen-Ys.

they can go bankrupt for all i care but don't later the government impose more stringent measure that may affect all of us

Just keep in mind on this, credit card charges to merchants are only 1-4% but we are getting 5%, so as long as we spend on the dot to get max cash back, they are losing money. So is sooner or later they will revise the T&C, OCBC was the first, follow by dual card. So now the bloody question is, which is the next

for you maybe is ocbc first followed by m2cards. but actually stanchart, uob, hsbc, etc. all already revised the t&c.

WHat I mean is less T&C on getting cash back cards. Both of them I applied is because of this.
Other no doubt have cash back, but with T&C

Of course you can apply like normal but Ikhwan till date has one of the highest rejection rates compared to other cards. I have been rejected twice and just approved recently after I agreed to split limit.

Ways to get Ikhwan MasterCard:
I) Apply like normal applications
II) If method I fails, then ask to split limit from your existing conventional credit limit to Islamic credit limit.
III) If method II still fails, convert your existing Maybank card to Ikhwan.

Already applied but rejected. So if want to try II, should I ask on phone or go to counters which ive applied?

but stanchart business visa plat used to offer 0.5% cb + 5x points for anything. that's the best card for me last time for "every other" items.

Already applied but rejected. So if want to try II, should I ask on phone or go to counters which ive applied?