Jul 30 2015, 11:13 AM
QUOTE(arthur88 @ Jul 30 2015, 09:38 AM)
for me...absolutely no...never once late payment or got any outstanding...
imo, banks need to see steady amount of cash flow in order to determine your financial status...
just like when i apply car loan few years ago, fresh grads, no credit card no fd nothing at all...
so i place 2 fd then get official letter from my company saying i'm working there to confirm i got steady cash flow/salary..
furthermore mbb increase my credit limit to 4k in ikhwan, where in m2c is 6k combine limit..
+1imo, banks need to see steady amount of cash flow in order to determine your financial status...
just like when i apply car loan few years ago, fresh grads, no credit card no fd nothing at all...
so i place 2 fd then get official letter from my company saying i'm working there to confirm i got steady cash flow/salary..
furthermore mbb increase my credit limit to 4k in ikhwan, where in m2c is 6k combine limit..
I didnt apply for CC until after 2 years working. It was tough getting one,applied all banks didnt get.
Except for Std Chartered,they had this graduate programme,CL 5K. After few months,applied for CIMB CR card,approved.
Received Maybank 2 cards last year and last month received my Ikhwan card.
So far I have not missed any payment..sked hutang wor
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