after getting this card, our credit limit must be split to two: conventional and islamic credit card

credit limit will be shared with hard barrier in between. e.g:
total credit limit given by mbb 200k
u must decide how much for islamic & how much for conventional eg: 80k for islamic & 20k for conventional

splitting CL from conventional cc is a MUST, it wont effect rejection status of your application

mbb will ask u to split the cl from existing conventional cc. eg.:

1. current conv cc cl is 20k
2. u split 8k for islamic cc, ur conv cc cl now left 12k
3. this split can't be shared between islamic & conv

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

yes, if your current income still available room to have additional CL. if not, it must taken some portion of the current conv CL

maybe they are overloaded with too much of new cc application after abolishment of credit card service tax rm50 yearly