It is not a new rule. Already existed back in 2011. However, it only applies for those with annual income of RM 36k and below, they cannot have more than two issuing banks' cards. For e.g., you can have few HLB cards and few UOB cards even below RM 36k, because still two issuing banks, not two cards actually.

There are many factors which affect the credit card application actually, not only because of income.
Have you tried checking your CCRIS especially if you have PTPTN?

Maybe your commitment is too high vs income? Not sure. First step, to check out your CCRIS score.

Easiest is to go to Bank Negara as it is a kiosk, you just need to insert your MyKad and scan thumbprint then you will get it instantly. Else, you can request. http://creditbureau.bnm.gov.my/reportobtain.html

Just a simple note saying you want to request for credit limit increase and hope they will consider. Attach 3 months latest payslip, that's all.

Then you gotta draft it yourself. I don't see any draft in this section. We just send them a simple email with latest 3 months payslip. Good luck.

I know AEON, RHB and even some Maybank branches too. These days almost every bank and agent has the EPF machine.

But it wasn't me!

"ARMED with the victim’s valid documents, a scammer assumes the former’s identity and applies for a credit card to commit a crime.

The poor victim is then left saddled with sky-high debts..."

Read more here.

Not all. They do have the rights to ask for documents from you even they have printed your documents from the machine.
I know HSBC in MV is like permanently there and applied once back in 2014, didn't like the card as it has a lot of hidden T&C for me, got it approved and cancelled it not long after that. Well, that time I wasn't really into CC stuff yet.

0%? Are you really sure? That's really amazing if it really is. I'm sure all the big bosses here will grab and put in whatever FD and investment stuff that they have. Heck, I will too. However, I can't seem to find it from their website... Any clue?

Edit: I found it: https://sp.hsbc.com.my/10k?WABFormEntryComm...YH_GETITNOW_LPR
Will read further.

This post has been edited by fruitie: Aug 28 2016, 04:46 PM

Not bad at all. I will take that and dump in FD but limited to 6780 units.
Anyway, thanks for sharing. I had nightmare with HSBC and will try to avoid it.

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.

For now yes because I'm very busy likely to do all the changes and uncertain of VOX/YOLO. I will hold it for a while even without rebate.

Not legal. You can complain to bank and also BNM.

I haven't faced for restaurants. So far I face the most from camera and computer shops. Even some big shops in Low Yat Plaza charge the customers for paying CC.

Yes just call and tell them, not interested anymore. They are quite efficient in removing.

I wanted to convert from my existing GE Plat to 365, everything was OK and they even sent me the card as well. Unfortunately, AF was charged immediately. I called in for waiver, received SMS on the next day that it's not successful. Immediately called them to cancel it as I haven't activated it.

Only if you are totally new to OCBC, you will get first year free AF, else no chance to waive at all. Based on a few forummers' feedback as well.

I will apply first and at least it's a temporary solution for me. That was my intention.

Well, at least they get to enjoy for first year...

Yes, no chance.

Mine shown before even it reached me. Heard you will need to link it yourself. You may want to search in CIMB thread.