yes, head straight to hong leong bank if you want unsecured credit. they have just approved mine, much to my surprise, when other banks have been rejecting.

or you can get credit cards by using fixed deposits as collateral.

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.

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

it's a good card. if you have rm3000 to spare, put it in fd and use it as collateral for the credit card.

if you are getting a malaysian credit card for overseas use, then getting credit card in singapore would make more sense. banks there are more competitive and rebates are much more attractive too

unless you have savings in malaysia to pay the bills, you might end up losing twice on exchange rate, ie foreign currency -> ringgit -> sing dollar.

This post has been edited by kit2: Feb 17 2016, 11:30 PM