Perhaps you can consider PBB AIA Gold Card for your AIA insurance payment ?

Thank u... fly..

Hi,

A general question here, not sure whether it has been asked before.

If we applied for CC and banks will call your HR (salaried employee), do they ask how much is our monthly salary? I'm wondering as this kind of information is P&C and not many HR personnel in my company knows what we earn (level of clearance to hold such information), or do they just refer to our payslips for reference?

Thanks!

Credit cards seldom will call HR unless it's for foreigners, just to check the period employers grant them to be in Malaysia.

Loan yes, will call most of the time. Sometimes they want to confirm the salary information too against the payslip provided. For me, the employers are also obliged to adhere PDPA Act 2010 and cannot simply reveal employees' information to third party unless employees give the permission. I will get banks to write me an email and I will forward to employees for their reference and approval before I share.

Yes, I'm a HR in an MNC and I have the access to salary of every single employee working in our APAC, ANZ, China office. It falls back to the professionalism of HR practitioners and also if everything can't be shared to banks (assuming if employees don't give the permission, then nothing will be approved). So far, my employees are OK to allow us share such information with banks.

Bank like Bank Islam is very strict. Most of the time they will call HR for loans & cc. they will ask for the employee's salary if that's >Rm25k per month. They will verify if the amount is the same or not and HR just need to answer a simple 'yes' or 'no'.

Actually rightfully even yes or no also cannot simply answer. You wouldn't know if they are impersonating, that's why employers these days no longer do staff confirmation over phone anymore. Write an email if you want to know.

thats a good choice,thx

Most of the banks i know still did it in the way i mentioned.

Bank like Alliance they will google your company and they will know company background.. if small company they will be very careful in approving unsecured loans..

If bank like bank islam & BSN , Bank Rakyat found you are suspicious or forgery did happens, HR audit team will come to your company interview.. kinda strict nowadays

means stick to ocbc ge? or both kensel..

All banks still do and most of the time I don't entertain these calls anymore. Before these calls are passed to me, I already informed my staff to get these banks to send me email. Banks also know more and more companies don't accept calls anymore, they still try but if requested will write in.

Stick for now but I will think of another solution, eventually I will cancel this GE Plat too. They have sent me the replacment PIN & Pay for GE Plat.

Thanks for your valuable feedback. I know that some loans that I applied the banks called my HR directly but I just don't know who is the actual person who revealed/shared my information.

I'm not really sure about CC application, but I guess some banks don't really call HR to verify the salary but just the employment status. I think it's prone to social engineering attack like a person could claim that he/she is from Bank A and requires information about me, and if the HR personnel does not verify the credentials of the requester, it could leak my personal information to unauthorized parties.

I think, like you mentioned, it's all about how skillful the person is in term of safeguarding the employees' information to the outsider. Thanks a lot for sharing this (and if there are things that we don't know, please elaborate as well ya )

Just want to check you u all as some forumer here said they are holding 5-6 credit card,but when it comes to every year gst payment,will it still be worth holding so many card?what do you think?

What is the relation between GST and number of CC?

if you are referring to the RM50 tax, it has been discontinued.

I have already shared all I have/know.

It has been removed since last year's 1st April. That's why I added from two cards to 11 today.

Oh ya...free for life card no gst imposed as no annual fee.am i correct?

Oh you are referring to the GST for AF. Yes, no GST for free for life cards.

So if we are holding card which charged no annual fee,we will be holding that card free for life?

Two things about credit cards' GST here.

1) Government Service Tax - Used to be RM 50 per card, it has been removed since last year's 1st April.

2) Goods & Services Tax - Only applicable if the credit card comes with annual fees. AF + 6%.

Yes.

As said u are holding 11 cc.,in the event you want to apply mortgage loan or personal loan or even business loan,will it effect your credit score ?any difficulties to apply