Shouls be 0.5% which is 170 bro..
No matter how much is your salary, as long as they rejected your application, the only ways to get it is pledge 34k FD..
Even you earned 1million, you still have to pledge such FD amount if they don't wan approve your normal application.

This post has been edited by red_scorpion: Jun 27 2015, 04:42 PM

bro, i thought syabas bill very cheap only? normally less than rm20 for a normal house. =X...

Yea. Will be harder to apply as demand higher. They can rejected easily and suggest pledge FD so that they can utilize the FD money.

?? what features will be revised? link or pic pls....

cheh..just 60 to 50 only....small things la...
still wish to apply this card for the second time..

seems like all the banks are starting reduce cash back/benefit to consumers...all banks are trying to follow 1 by 1 and cut cost...

i think during application of housing loan, if your salary payslip exceed 100k, then they will offer this card lor..
they offer credit card based on the pay you earn, not loan amount..but if you afford high loan amount, high possibly your income also higher which indirectly easier to get this card.
all can be nego also la, just request lor, their cc approval department might approve per case basic.

if you meet the requirement, then you should nego with them, say you want visa signature instead...

i checked with hl cc officer before, BT surely will affect the application...it is counted in your debt..just like your house loan/car loan.. from HL approval department, debt to net income cannot be more than 65%, else will failed...
for example, if you got 7k loan to serve per month, your net income is 10k...means 70% already, system will reject, need to submit more income document to them, or submit fd..

mine also rejected by Public bank..they didnt even call or inform me, just receive letter like you...i am waiting for their call to ask me submit more document...
for HL, i was being rejected for first time, the officer sms me, ask for more document for second try, explain alot of thing to me also.

i also will reapply public bank VS soon, after most of the BT clear..

This post has been edited by red_scorpion: Jul 16 2015, 12:47 AM

Another reason which I can think of why they reject my application is I rejected their car loan after it was approved in last year.. i didn't have any loan, fd in pb bank. Only a saving acct with less than 50 dollar always..

I believe that if you hold alot of their product, chance to get approval is higher.
This happen to me for mbb cc, even though other bank reject me due to high commitment, but mbb still approve additional new cc to me because I have car loan house loan and fd with them..
HL rejected first time, but after submitted HLebroking statement, they approved as well...

This post has been edited by red_scorpion: Jul 16 2015, 08:33 PM

girl, 6% Cash Back on Grocery, Dining and Online Transaction categor only.
yea, and all days.

dont know..but for me, even more than 100k, still failed to get this card...sad...high commitment... bnm so strict already

erm, think of this before, but still undecided....will use other card as replacement first.
then maybe next year after all bt amount clear, only retry this card.

you can just try, no harm..60% DSR should be ok. Only worries is your income lower 10k..

For FD pledged, not calculated like that. You need to pledge 35k to get this card, it is the value set by bank.
Just try your normal application first, if rejected, only consider this FD pledge, or else change card just like me... then work harder to earn more, or clear your debt more, then only reapply

This post has been edited by red_scorpion: Jul 30 2015, 04:50 PM

Ikhwan, WIse, and Mach :-)

petrol, utilities, and free category is mobile lor..

Why cimb and aeon rejected u? High commitment?
I think pb is stricter than cimb and aeon, luck for you to get approve is low . do you have loan with pb bank? Loan might increase your chances.

BTW, 2 weeks already maybe you can call hotline check application status already

This post has been edited by red_scorpion: Aug 4 2015, 01:46 AM

Yup. Never changed