PB VS was the easiest CC to get for me... submitted everything online and got my card in less than 2 weeks... & RHB rejected my application...

Which kinds of worries me..... it's easy for someone to create a CC under your name and runs up a huge debt...

The loan kind of gives a impression that you have been approve by other banks, and the ccris will show u are a good paymaster. Personal loans are no good. Car and house loans with good record is good. If a 1 year old boy  has his name in the house put in by the parents, and is paid consistently past 20 years, the kid got a 20 year history compared to someone at 18 who just open an account.

The logic is off but what he is trying to say is that the banks would prefer some form of loan to show payment history. That is all they have to work with since they don't get to meet the applicants. If they look into your CRISS and it shows blank (meaning no loan and no other credit cards), they won't know whether you would be a good paymaster or not.

When a card's requirement need rm100k, you need to have at least 30% extra for the past 2 years to be safe on applying it.

Is there any cases people with annual income less than 50k managed to get this card?? Wish to own this card so badly!!