yes, payslips and banking statements to show that you have been receiving salary. just register your interests at hong leong bank website and they will contact you and walk you thru the process.

no payslip is needed if you are getting credit card backed by fixed deposits. on the application form, you can strike out the income and employment section.

I thought once you opt to convert, all your EPP will be terminated ( early settlement and transferred to your new card).

Unless it's EPP done via Merchant, which I have no experience in early settlement.

And CIMB that CR card, I got approved for it using my 1st employment income, which is barely exceeding the 24k PA barrier.

Surely there are other factors which caused your applications to be rejected.

For alternative, try UOB Vox.

If you put in FD, no need documentations indeed.

It requires 8 RM 50 swipe right?

Online transaction valid also?

Correction: 10x RM50
Yes, online transactions also contribute into the 10x swipes, as long as it exceeds RM49.99.

Thank you for your advise. Is there a minimum amount of fixed deposit needed?

http://48smart.blogspot.com/2013/02/how-to...ithout.html?m=1

This post has been edited by kit2: Aug 15 2015, 10:54 PM

Thank you

1. Annual Income: RM60K to RM100K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol Cash Back, online shopping, occasional weekend dining, insurance and broadband+postpaid bills

4. Existing credit cards if any: Citibank clear card and citibank cash back platinum

5. Looking at CC from: I need help on this lol

6. Others: my job makes it hard for me to monitor my spending properly. However I do always manage to settle my credit card on time.

Thanks!

This post has been edited by seiken: Aug 16 2015, 08:43 PM

pbb vs

Cannot...my annual income is only around 70-80k

then you shouldn't put 60k-100k.
anyway, you have some choices depending of your monthly expenses in each category. you need to check your priority to maximise your cashback.
mbb ikhwan, cimb cr plat = af free for life
uob one, aeon watami = af can be waived
hlb wise = af covered by high cashback

Petrol - Ikhwan MBB

Online - UOB Vox or CIMB CR

Dining - HLB Mach/Wise or MBB Amex

Insurance - Lump to Aeon Watami if huge amount

Broadband / postpaid - HLB wise if you plan to mix it up with dining and etc.

Or you can get a MBB VS for higher capping of petrol and PBB Vs for online. Best combo already.

Both can be obtained via FD if you are interested.

Can't blame him la. That's the range given in second post.

you must have missed out something?

i replied pbb vs to his first post when he put 60k-100k. second post only he said 70k-80k. lol...

This post has been edited by victorywp: Aug 17 2015, 10:54 AM

You were the one missed it.
Let me rephrase, he did nothing wrong. This is based on second post template, the range is from 60k-100k. He jut put it. 70k-80k also within 60k-100k right?
How would he know so much of things?

This post has been edited by fruitie: Aug 17 2015, 11:00 AM

lol, now only i get what you mean.

you said "second post" was referring to this thread's second post, and not his second post.

ok ok, uncle admit wrong.

Would like to ask, if my fix salary job range income is about 80k plus rental agreement 20k annually. Would I be eligible to apply for pbb vs?

Thanks for advance.

This post has been edited by OldKidz: Aug 18 2015, 04:56 PM

If you can show proof of your 20k rental income, bank might consider.

Some "genius" banks don't, in my experience.

ehhh... define "genius"... haha

Can, gt tenancy agreement and even bank statement to support tat it being banked in monthly... can give a try perhaps... as the pbb vs 6% seems a good deal which wise 10% is complicated thn MBB2card no longer good...

omg, i have to read 3 times only understand that your "apple" means "apply". at first, i thought got apple iphone as free gift for new sign up. lol...