seem like this is a good back up card..
will try apply this soon.
Saw from m2u, there is a number which u can call for the pre-approved card..
how easy to get pre-approved card? i am so lazy to write and submit the application and supporting docs..
gonna try to call and ask soon.

This post has been edited by red_scorpion: Apr 8 2015, 01:07 AM

Call us now at 03-5891 4777 to get your pre-approved card
or visit this url: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

so for your case, if CL is shared, how about cash back? share also? meant capped at 50 for both m2c and ikhwan cards.

Wow, congrats to u.

I havent call for pre-approved card yet because applying for PB VS now.
But just checked with PB call center no, application is unsuccessful.. Maybe going to try this card soon.

Haiz, fed up already, last 2 credit card application also failed.

Apparently my commitment is too high..sien..

Anybody try to appeal by submit more doc such as Stock, FD statement? just like what we submitted for house loan/car loan.
Not really sure whether can appeal via phone or not..
Last time my fren who work as HL CC salesman help me to appeal the HL cards after application is unsuccessful and it approved.

This post has been edited by red_scorpion: Apr 12 2015, 01:36 PM

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

This post has been edited by red_scorpion: Apr 20 2015, 10:04 PM

I am thinking to apply CIMB cc also, but I wont apply online, I will just go to the garden CIMB 1 hr approval there to apply when I am free. This is because I can nego with the staff on the spot (which i think the chance of approval is higher)

This post has been edited by red_scorpion: Apr 20 2015, 10:07 PM

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.

This post has been edited by red_scorpion: Apr 20 2015, 10:21 PM

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..

So victor, it meant that we shouln't hold too much of useless credit card?
Maybe I should cut my useless standard charterd cc so that other cc application can be more easier to approve.

latest updated from me, after 1 week application of this ikhwan card, today morning i saw the card appear in my cards in the m2u with a Active button..

hooray, finally some good news after being rejected by public bank last 2 weeks.

Thanks to maybank, i thought will be rejected as well, but you gave me a surprise answer. But the credit limit is just 5k...3 times below my m2u card...but nvm, better than nth..

The reason of success are:-
maybe I am loyal customer to maybank, got car, house loan, and this is 4th credit cards with maybank, and payment records always 00000 since 8 years ago.

or also might due to I just reduce from my ocbc tit credit limit from 25k to 8k...so I can get some credit here even thought my commitment really burst =X..

This post has been edited by red_scorpion: Apr 25 2015, 10:52 AM

maybe you can try reduce ur other credit card limit =X
I think that can be a reason also..

yea yea, i also used it as back up card only, to earn more cash back only as 50 cap for amex card really no enough..
My next strategy will be terminate my useless SCB card soon, to free up my credit limit and apply CIMB card which useful for online purchase. =X

Yea they will still request for income docs..because they want to know your latest income..but if your salary credit to Maybank every month, then you might no need to submit income docs as they can check from there.. I called preapprove card number last mknth , and that is my experience..

Yea. I think when they check ctos, if you have too much credit card limit (include all banks cc), might affect ur approval also..
I just reduce my ocbc credit limit, this might be the reason they approved my application since my credit limit for all credit cards on hand is not as high as before

Ikhwan card holder, today i saw the transaction history of my card posted with the zing card fees 10.60. I thought the zing card is free?
It will auto be reverse or I need to call CS ?

Thanks.

pump your petrol and buy your groceries on Friday and Saturday, to earn 5% cash rebate.
Other day dont use it.

This post has been edited by red_scorpion: May 5 2015, 02:54 PM

My Statement released: -
Mr DIY is not consider under grocery for this card...sad
But NSK is consider under grocey...

Just hope it is under grocery..haha..because I didn't have any other cc which can get more cash back...so hope their categories is grocery...groceries meant kedai runcit ma, Mr diy sell capalang item 1...

how about 99speedmart? kk mart?

yea, no question will be asked, just say you are interested to get 1 more mbb card