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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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victorywp
post Apr 20 2017, 09:49 PM

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QUOTE(sendohz @ Apr 19 2017, 04:35 PM)
There is a thread.
But i'm not sure how to link it
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QUOTE(fruitie @ Apr 19 2017, 04:36 PM)
PBB VS thread is now rebranded for both Quantum and VS card.
*
QUOTE(DarReNz @ Apr 19 2017, 09:52 PM)
missed the PB thread ? https://forum.lowyat.net/index.php?showtopi...post&p=84425714
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lol yeah.. missed reading all threads now lol..
roimekoi
post Apr 20 2017, 11:47 PM

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Damn hard to apply for credit card.
my base salary more than double the minimum of 24000 annum
plus allowance about triple the minimum.

yes i know i am old, age 33 and dont have any credit history.
my ctos is clean.

no credit card -> no credit history
no credit history-> no credit card
loop....

degionz
post Apr 21 2017, 12:37 AM

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QUOTE(roimekoi @ Apr 20 2017, 11:47 PM)
Damn hard to apply for credit card.
my base salary more than double the minimum of 24000 annum
plus allowance about triple the minimum.

yes i know i am old, age 33 and dont have any credit history.
my ctos is clean.

no credit card -> no credit history
no credit history-> no credit card
loop....
*
Try uob
Im also clean credit history.
Mr.7
post Apr 21 2017, 07:06 AM

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QUOTE(roimekoi @ Apr 20 2017, 11:47 PM)
Damn hard to apply for credit card.
my base salary more than double the minimum of 24000 annum
plus allowance about triple the minimum.

yes i know i am old, age 33 and dont have any credit history.
my ctos is clean.

no credit card -> no credit history
no credit history-> no credit card
loop....
*
Why not apply with you salary crediting bank? Approval chances are higher
roimekoi
post Apr 21 2017, 07:27 AM

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QUOTE(Mr.7 @ Apr 21 2017, 07:06 AM)
Why not apply with you salary crediting bank? Approval chances are higher
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cimb rejected
degionz
post Apr 21 2017, 08:14 AM

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QUOTE(roimekoi @ Apr 21 2017, 07:27 AM)
cimb rejected
*
Same as me.
My salary crediting to cimb also get rejected.
fly126
post Apr 21 2017, 09:26 AM

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QUOTE(roimekoi @ Apr 21 2017, 07:27 AM)
cimb rejected
*
QUOTE(degionz @ Apr 21 2017, 08:14 AM)
Same as me.
My salary crediting to cimb also get rejected.
*
Try HLB, RHB, UOB are Lenient compare to Others
My 1st Batch Credit Card also from them.
degionz
post Apr 21 2017, 10:00 AM

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QUOTE(fly126 @ Apr 21 2017, 09:26 AM)
Try HLB, RHB, UOB are Lenient compare to Others
My 1st Batch Credit Card also from them.
*
Yea.applying uob last week waiting for approval.
roimekoi
post Apr 22 2017, 10:01 AM

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the clean ctos is the free version
so just purchase my full ctos report...
found out that i have co-loan with my father with my name as borrower to buy house with public bank, approved since last year april or may.

I wonder if i can put it inside my financial commitment? but the person paying back the loan is my father instead of me...

btw ctos score is 621 orange area


i wonder if i have a better chance applying public bank card ..

This post has been edited by roimekoi: Apr 22 2017, 10:10 AM
chiahau
post Apr 22 2017, 10:27 AM

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QUOTE(roimekoi @ Apr 22 2017, 10:01 AM)
the clean ctos is the free version
so just purchase my full ctos report...
found out that i have co-loan with my father with my name as borrower to buy house with public bank, approved since last year april or may.

I wonder if i can put it inside my financial commitment? but the person paying back the loan is my father instead of me...

btw ctos score is 621  orange area
i wonder if i have a better chance  applying public bank card ..
*
It's part of your financial commitment I think.

Whether your dad pays or not, your name is a borrower as well, you're still liable.

621 should be okay, mine around 500+ only but still approved for new CC lol.
TSalexwsk
post Apr 22 2017, 12:10 PM

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QUOTE(chiahau @ Apr 22 2017, 10:27 AM)
It's part of your financial commitment I think.

Whether your dad pays or not, your name is a borrower as well, you're still liable.

621 should be okay, mine around 500+ only but still approved for new CC lol.
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500+, ini confirm PTPTN punya pasal, same as my wife
chiahau
post Apr 22 2017, 12:20 PM

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QUOTE(alexwsk @ Apr 22 2017, 12:10 PM)
500+, ini confirm PTPTN punya pasal, same as my wife
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BT punya pasal.

Hardcore Bt until become like that.

Once I cleared it off, I would be healthier in terms of scoring.
TSalexwsk
post Apr 22 2017, 12:28 PM

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QUOTE(chiahau @ Apr 22 2017, 12:20 PM)
BT punya pasal.

Hardcore Bt until become like that.

Once I cleared it off, I would be healthier in terms of scoring.
*
my bad blush.gif
lol, i oso hv 2 bt, but just around 10k
theberry
post Apr 23 2017, 10:17 AM

OK!
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Is Mach HLB best for cash back from telco bill payment?
CIMB is ok but got standing instruction.
SzeMeng76
post Apr 23 2017, 10:20 AM

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QUOTE(theberry @ Apr 23 2017, 10:17 AM)
Is Mach HLB best for cash back from telco bill payment?
CIMB is ok but got standing instruction.
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I suggest SCB justone platinum, I'm using.
theberry
post Apr 23 2017, 10:32 AM

OK!
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QUOTE(SzeMeng76 @ Apr 23 2017, 10:20 AM)
I suggest SCB justone platinum, I'm using.
*
ahh any other alternative?
got minimum qualifying spending of 1k oh
below 1k got?

Human Nature
post Apr 23 2017, 10:39 AM

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QUOTE(theberry @ Apr 23 2017, 10:17 AM)
Is Mach HLB best for cash back from telco bill payment?
CIMB is ok but got standing instruction.
*
PBB VS for 6% CB, online payment
theberry
post Apr 23 2017, 10:55 AM

OK!
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Joined: Oct 2011
QUOTE(Human Nature @ Apr 23 2017, 10:39 AM)
PBB VS for 6% CB, online payment
*
requirement too high. laugh.gif laugh.gif

Human Nature
post Apr 23 2017, 11:04 AM

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QUOTE(theberry @ Apr 23 2017, 10:55 AM)
requirement too high.  laugh.gif  laugh.gif
*
PBB Quantum then
SzeMeng76
post Apr 23 2017, 12:24 PM

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QUOTE(theberry @ Apr 23 2017, 10:32 AM)
ahh any other alternative?
got minimum qualifying spending of 1k oh
below 1k got?
*

Then is pbb quantum, I also holding. But they having issue for online payment with their MasterCard. But will be solved la. No Min require ment too

Uob yolo min spend 500. But recently their cash back like quite lots restrict, u need to check uob thread ya.
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