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Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq

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fly126
post Jun 26 2016, 12:24 AM

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QUOTE(AmmoShaf @ Jun 26 2016, 12:05 AM)
» Click to show Spoiler - click again to hide... «


Off-topic : Guys like you really means a lot in this community. Thanks for your sharing. Sorry for this useless post, but I really feel like thanking you.
Btw, change my mind from want to apply HLB Essential to applied HLB Wise Gold. After calculated everything, it is quite impossible for me to swipe 10x per month and get the cash back. Regret my decision, should I call CS and inform that I want to change?
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Yes U got to Inform THEM nod.gif
fly126
post Jun 27 2016, 09:59 PM

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QUOTE(peigeng @ Jun 27 2016, 08:04 PM)
I am applying for alliance  bank very very basic credit card younique rewards card(income requirement is rm24000 per year)  but the application was not even submitted as the officer said after she keyed in my name into their system ,i have two hosing loan with two different bank and based on my current salary i cant get any credit card  with the bank. how true is that ?is that really i cant have credit card?or is it possible to apply with the bank who provide my housing loan?
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U don't have any CC before...??? blink.gif
Better You apply with the bank which give you housing Loan, bcos they got ALL your Credit history/ Payment record or try HLB, UOB they're more Lenient compare to Others nod.gif

This post has been edited by fly126: Jun 27 2016, 10:00 PM
fly126
post Jul 4 2016, 11:45 AM

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QUOTE(Zavia/GenX @ Jul 4 2016, 03:01 AM)
UGPM!!!!
Question:
So on the 1st of June I signed up for Aeon's Gold CC, wanting to get the free 6x airline lounge tickets and confident of the 12x swipes a year requirement for free annual fee.
I surpassed the minimum salary requirement by 2x

On 30th June I received a sms saying it was rejected. No reason.

If I was working overseas, and my salary is in another currency in a foreign (but international bank which is present in malaysia), would it have effected the approval? The agent said they dont think so.

Note:
I currently have one at -2.2%BLR when i was working in malaysia a few years ago. DIBS repayments not yet started.
No other loans. 1 CC with above mortgage company, limit 3k, no ownings.
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If Working at Overseas, Most of Bank in Malaysia Only Consider Singapore, Brunei's Income + No Conversion (1:1)
fly126
post Jul 21 2016, 08:33 AM

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QUOTE(oldKyoo @ Jul 21 2016, 01:30 AM)
guys quick q.

actually just thought of this as hsbc flooded me with their emails.

for easy payment plans, our intended purchase price must be within the limits of our credit card limit ??

coz i was wondering why would they have 36 months easy payment plans if my card cant swipe way above my limit?
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Nope Not Beyond over your CL , Cash Installment/ Easy Payment Plant we just can Max. Used up to 90% of our CL. nod.gif

This post has been edited by fly126: Jul 21 2016, 08:50 AM
fly126
post Jul 21 2016, 09:37 AM

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QUOTE(Duckies @ Jul 21 2016, 09:03 AM)
Quick question guys, if I want to cancel a credit card do I need to settle all the bill first? Can I cancel then settle it later?
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Of course Pay Off All 1st before you can Proceed to Cancel ... nod.gif

This post has been edited by fly126: Jul 21 2016, 09:41 AM
fly126
post Jul 25 2016, 01:09 PM

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QUOTE(-Nos- @ Jul 25 2016, 01:06 PM)
What other cards can be use to pay bills online for cash back other than PBVS?
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UOB Vox- 5%CB, It's Good for Online Spend, pay Utilities bill via UOB Payonline.
(MUST with a minimum spend of RM50 in a single receipt/transaction)
- Capped at RM1,000 Spend with Max. CB RM50 per month & Monthly Fee (RM6.36) will be Waived with 1x Swipe/month.
fly126
post Jul 27 2016, 08:40 AM

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QUOTE(DeepMemory @ Jul 27 2016, 07:27 AM)
Is it standard for all credit cards application requires a 6 month EPF statement? My friend is trying apply for a basic credit card with annual income of 24k +
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Yup,
It's a Usual Practice of Bank they want to make sure the Applicant got a Stable job with Ability to repay Debt 1st, only they grant you a Credit Card.

This post has been edited by fly126: Jul 27 2016, 08:55 AM
fly126
post Aug 19 2016, 01:45 AM

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QUOTE(SummerSnow2016 @ Aug 19 2016, 01:27 AM)
Hi, recently my bag was lost/stolen inside bus in singapore. I had made police report. Will I need to pay for cards replacement...? All the banks need to pay RM50...?
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Show them the Police Report, you may get waiver for Replacement Cards
fly126
post Aug 19 2016, 06:22 PM

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QUOTE(SummerSnow2016 @ Aug 19 2016, 05:36 PM)
Usually how long will process to get a replacement card?
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at Least 5 Working Days sweat.gif
fly126
post Aug 22 2016, 12:59 PM

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QUOTE(peigeng @ Aug 22 2016, 06:56 AM)
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
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It's No Problem to get loan(Approved) with Bank if you holding Multiple Credit Cards.
As my Case, they Offered Me PL of RM100-150K thru phone Straight Approved, No question ask , but I reject their good decent Offer...

FYI , I got 14 CC+ Amex Charge Card from across 7 Banks

This post has been edited by fly126: Aug 22 2016, 01:06 PM
fly126
post Aug 30 2016, 11:09 AM

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QUOTE(fruitie @ Aug 30 2016, 11:05 AM)
I converted from OCBC GE Plat to OCBC 365 since the cash back will be ceased effective September 1st, unfortunately, my waiver request was declined too. So, I called to cancel as I haven't activated anything. It is already removed from my OCBC page.
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So, you still keep your OCBC GE...???
fly126
post Sep 6 2016, 10:24 AM

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QUOTE(OldSchoolJoke @ Sep 6 2016, 10:00 AM)
Guys, want to ask, is it hard for bank to approve CC now?

I applied for CIMB and CitiBank, both got rejected but they doesn't specify the reason.

Got no loans and no debts. Working for a year now. Is it because of the company I'm working with? Working in a small company now.
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What's your Annual Income...?
Try apply with the bank which your Salary credit into...
And, also can apply with HLB, UOB, RHB they're more lenient compare to Others.

Reason of CC Rejection
https://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html
fly126
post Sep 8 2016, 10:32 AM

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QUOTE(Duckies @ Sep 8 2016, 10:06 AM)
Haha you are correct on your guesses  laugh.gif I just leave the CL to the default lol. Need to reduce CL? Why?
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Credit Card also it's a Commitment, if You apply loan they see you got high CL they will reduce your Loan approval chances sweat.gif
fly126
post Sep 11 2016, 11:09 PM

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QUOTE(joshuatly @ Sep 11 2016, 10:20 PM)
Are there still any reward points type credit cards which give points for petrol?
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PETRONAS Maybank Visa / Maybank Islamic PETRONAS Ikhwan Visa Card-i
fly126
post Sep 15 2016, 02:50 PM

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QUOTE(OldSchoolJoke @ Sep 15 2016, 12:12 PM)
Wanna ask, which bank approve CC the easiest? I online apply UOB but until now no call from them, got rejected from CIMB and CitiBank, any more recommendation?

Current salary ~RM3.5k (since July). no debts, loans, no PTPTN.
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How long you been submit apps to UOB, 1 week..??? blink.gif

This post has been edited by fly126: Sep 15 2016, 02:51 PM
fly126
post Sep 15 2016, 03:25 PM

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Edited 2x post sweat.gif

This post has been edited by fly126: Sep 15 2016, 03:30 PM
fly126
post Sep 15 2016, 03:25 PM

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QUOTE(OldSchoolJoke @ Sep 15 2016, 03:08 PM)
Am not sure how to check CCRIS record but it should be clean since I got no loans, debts. So IMO that's the reason my application for rejected. Either that or the company I'm working now doesn't look secure. Working in small company now.
Last week if not mistaken.
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Maybe you can give UOB a call at 03-26128121 , ask their Sales Rep. to contact You regarding of THIS... nod.gif
or jz get Apply with HLB or RHB icon_idea.gif

Btw, MY 1st Batch CC also from HLB, UOB, RHB, HSBC blush.gif

This post has been edited by fly126: Sep 15 2016, 03:30 PM
fly126
post Sep 25 2016, 07:22 PM

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QUOTE(Sirius @ Sep 25 2016, 07:01 PM)
Hi,

Any card/ cards suggestion for me? :-) Currently using HLB Wise, MBB 2 AMEX and OCBC GE card.  My monthly spending:

Petrol: RM250
TNB: RM 100 ~ 150
Unifi: RM 160
Telco: RM80
Groceries: RM 300+ (Aeon or Tesco)
TnG: RM50
Insurance: RM730 (OCBC GE card)

My wise cash back = petrol 250 + telco 80 + Groceries 300 + tng = 680 :-)

Thanks
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Citibank CB Plat.
fly126
post Oct 7 2016, 09:24 PM

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QUOTE(socialchef @ Oct 7 2016, 09:22 PM)
Want to ask...I do not have any payslips. Can still apply for credit card?
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Got EPF...???
fly126
post Oct 9 2016, 08:45 AM

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QUOTE(socialchef @ Oct 8 2016, 10:54 PM)
EPF stopped transactions for a year already. Doing own small business. Can use bank statements?
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You can Try, if bank statement need up to 6 months...

Income Submission Guide for Credit Card Application :
I) For Commission Earners,
*Latest 3 Months Computerized Pay Slips OR
*Latest Computerized EA Form (dated within the Last 12 Months) OR
*Latest EPF Statement (dated within the Last 12 Months) OR
*Latest Borang BE with LHDN Receipt (or Proof of Tax Paid)

II) For Fixed Salary Earners,
*Latest 1 Month Computerized Pay Slips OR
*Latest Computerized EA Form (dated within the Last 12 Months) OR
*Latest EPF Statement (dated within the Last 12 Months) OR
*Latest Borang BE with LHDN Receipt (or Proof of Tax Paid)
For Non-Computerized Income Documents, it is Advisable to Provide more than 1 Income Document (eg. Bank Statements, EPF, EA) to Show Salary Received.

III) For Self-Employed,
*Latest Borang B acknowledged/duly Certified by LHDN, with LHDN Receipt (or Proof of Tax Paid)
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