Last month i submitted an application for a credit card which has a minimum annual income requirement. As i wanted it urgently, i did not wait for my january payslip to come through for the application. I sent in my latest 3 months payslip at the time of submission, and a letter from HR confirming my annual income (to show that i reached the min annual income requirmnt). Actually, if they used the payslips that i submitted and x 12, they will not get the min requiremnt as my increment is shown only on the january slip (which i could not wait due to urgency as i mentioned earlier).

Even with my new salary increment and x12, will not get the min requirement. Therefore at the time of submission, I was solely relying on my HR letter, which multiply my monthly salary by 14 (not 12), as our company has a 2months fixed bonus yearly, no more and no less.

My point is, at least in my case, i do think they are also taking into consideration othr things rather than monthly salary x12. When i submitted, wasnt even confident that they will approve my apllication.

Anyway, i received the HR letter not for the sole purpose of applying for credit card. Coincidentally i was applying for home loan end of last year.

Letter is just a supoorting and it is not the main document. Main documents are still payslips. I'm also a HR and usually we prepare the letter as supporting on top of their payslip.

Just resubmit again in March after you have enough 3 months latest payslip showing your new salary.

Actually in my earlier post, i also wanted to say that my credit card application approved! So i dont know how i got it though..my monthly salaryx12 didnt reach the minimum requirement, but x14 does. Glad i tried then not trying at all

guys recently i register the CC cash back M-power amanah but its come with visa platinum which is reward card may i know HSBC allow me to change to cash back or not ? why i know cause i see from my hsbc account inside show that my card is visa platinum .

for CTOS, you can register online here https://ctosid.ctos.com.my/ctosid_new/Simpl...pleRegistration . they will send the CCRIS document twice a year. And for CCRIS report, you can call maybank bureau de change. ask for ccris report..but you need to pay for rm10..

To everyone / 안녕하세요

Hope it is not too late. Would like to wish everyone a Happy Chinese New Year/Happy Lunar New year and may 2016 brings good luck and prosperity to you and family! Hope everyone will be safe during the holidays!

Thanks to everyone for making this section the way it is today and to the seniors (Gen-X, alexwsk, MilesAndMore, zenquix, brotan,victorywp, Human Nature and many more) - my personal thanks to all of you!

Happy Chinese New Year Hye and good to have you dropping by

bank will send us the new pin and pay card on our card annivesary regardless of our expiry date, right?

The new card i believe will have same card number, but how about the CVV number or expiry date? Will it be different?

Do I need to update all auto billing / paypal linked / ps store linked credit card information?

Yes, U need to inform the update with THEM, becos the Expiry Date of the PIN card will be different as compared to your existing card.

https://m.youtube.com/watch?v=X7pjUIxKoEc ,https://m.youtube.com/watch?v=1pMuV2o4Lrw , https://m.youtube.com/watch?v=Ks_w352BS-Q , Danger of chip and pin in Europe not sure about 2017 bolehland handle these system

Which is the best credit card to use when buying items from AliExpress?

UOB VOX
CIMB Cash Rebate

How many days in advance the bank need to give notice on any revision to CC?

up to the bank to decide, normally it will be in the general tnc for each card