For future credit card applications and loans. Banks will calculate your exposure vs your income. I just want to avoid my future applications get rejected. I already had few encounters for the last few months.

And the total credit limit. Mine is probably 50x or more of my monthly salary.

Yes, credit cards only.

Well, I don't bother to increase too, I just accept whatever banks give me. Preferable 10k but these days I don't get anymore. The only time I increased my limit was for my Maybank because that was my main card that time and after that my CL was adjusted again when I upgraded my card.

So for this AEON thingy, I didn't ask for it, I will ask to reduce as they are one of my least used cards.

Unfortunately no for you, it's a shared limit.

It depends on cards.

Oops, just noticed it's AEON BiG topic, I thought I replied this in the PPL thread.

For AEON BiG, only KLIA and KLIA2, the rest is changeable at discounted rates.

This post has been edited by fruitie: Mar 15 2016, 07:12 PM

What do you mean here?

It's not even in CCRIS.

Plus, not all applications will be approved, it's really up to their own assessment.
So if it's rejected, try to appeal and still not possible then wait until 6 months later to reapply again or just move on to another card.

Throughout my experience using credit cards these few years, not all the time, my cards are approved as well.

No. This is just normal GIRO and not AEON payment, been paying my AEON bills using GIRO since the first month I got AEON credit card.
RM 0.11, transfer to Citibank. Easy peasy.

He is famous for putting up April Fool joke.

I'm not that stupid to be fooled.

AEON is not a bank, so how can you transfer to them?
You can only make payment to them or pay via Citibank, it is mentioned in their website.

This post has been edited by fruitie: Mar 28 2016, 02:00 PM

I guess everyone needs to understand fulfilling salary requirement and paying full on time are not the only reason to approve a CC.

Though I have many CCs but I did have a few rejections before, so either I appealed if I wanted it badly or just moved on. Every bank or credit service has their own assessment, so I can't comment on this part.

Still shared but CL increased only. Mine is also the same case, my CL was increased when my AEON BiG was approved, it is shared with my AEON Gold.

Yes, I was also asked the same thing and my CL was increased.
I plan to call to reduce, totally forgot about it.

Calendar year.

You can try UOBPayOnline.

Probably it has failed.

Oops, I just re-read your post again, it seems you didn't receive the notification earlier. If that's the case, you should wait for it. I thought you have received a "non-approved" email. Sorry replied you in a rush just now. I had the same problem too sometimes during weekends.

Yes, another card. At least for my case...

Yes, they will send "non-approved" emails too, then just redo again. So far I think I faced once only.