Maybe wait for 1-2 months later baru U submit Fresh Application, becos if the bank sees that you're applying for more than one card in a short time as they may Assume U Desperately needed $$$ & hence of desperate ppl don't make Good Credit, they might not willing to grant you a CC.
Try to have the Basic CC from local bank to build up your Credit History 1st, after that baru apply the Foreign Bank's punyai...

Btw, My 1st CC is HLB-GSC Gold Card

chiahau
Happy Birthday to U

yeah thinking of doing on april or may, haha.
see how the UOB application goes.
if still decline, then I'll wait 2-3 months before reapply.

The actual reason for the registration is that once your credit card is renewed - 2 infos will change. (Assuming that your cc number does not change) Namely your card's expiry date and CVV info.

Nothing to do about updating your other personal info as stated by another forummer - just that these 2 details will change. To note that CC card change only happens once in a few years. (depending on the card issuer, it can be as long as 5 years) Personally I don't see this as a major inconvenience as this is done once off every few years. The other scenario where cc update will happen is when you lose your credit card and you will be issued a fresh card with all details changed. In this scenario, card update is a consumer protection and should not be viewed as troublesome unless you want to give out free money to the people who stole your card!

This post has been edited by hye: Feb 16 2016, 09:48 AM

For Hong Leong Bank Essential, the 12 swipes per year annual fee waiver can be done with petrol pump or not? Just to confirm haha

why? because you wanted to pump few cents a transaction just to meet the min 12x for the af waiver?

i did not personally tried it, but i believe it will be counted as a transaction for the af waiver, although you won't be getting any cb for that.

ohhh dammit dont say so loud lehhh hahaha

yaya... coz they say 12 swipes not 12 retail transactions right? I wonder who else tried this before??

btw, what is the most minimum transaction amount for a credit card u ever know, other than petrol? so far the least i know is maxis pay minimum rm5...

I apply HLB > MBB > RHB = Fail

Then shopping time meet HSBC.. minimum requirement is 38k but i didnt meet the requirement.. but still apply..

APPROVE..

hello..i have a question regarding "new to bank". usually, banks will give more privilege to those who are new to bank. for example, last time public bank have promo get luggage bag or somethin if apply for their credit card, but only for those who are new to the bank. those that already have other pbb credit card not entitled for the gift if they apply for that type of cc.

for my situation, i applied for home loan to a few banks. then without me knowing, i received many cc's from most of the banks. when i call a call center for one of the banks (it's cimb), i told them i want to cancel the cc they gave me, and can i be considered new to bank in the system coz technically i did not apply for their CC, their ans is no. Coz when i applied for the home loan, i have agreed and signed that the home loan and cc is part of a bundle package.

the thing is, I never signed anything! i only gave my documents for home loan application, so even if there is a document, maybe the officer would have signed it for me????

my question is:

1. is there any way that I can still be considered "new to bank" by showing that they never get any consent from me? I don't even have anythg to prove anyway, but just asking if anyone got experience

2. not related to cc, but is it normal for home loan application, not to have any forms to be filled etc? I applied for 6 banks and 4 out of 6 did not ask for my signature, did not ask me to fill up forms..

1. You can cancel the card and after some time (6 months to 1 year, depending on bank), you'll be considered new to bank again. If you are sure you didn't sign a credit card application form, you can complain to bank and BNM about this.

2. Based on my personal experience with several banks, the loan officer will include an empty credit card application form and ask you to sign when applying for home loan. Most people will just sign it and the loan officer will fill up the form for them.

1. Sometimes, even the application forms will state so. So read carefully before you apply

2. Nope, usually they'll need your signature as an indicator of consent.

Number 2 is very correct. Read what you sign before you put your signatures on it.

Loan officers are a bunch of cheeky people. I got plenty of "unwanted" CC from banks when I apply for Term Loans as well

This post has been edited by chiahau: Feb 19 2016, 09:41 AM

Which credit cards do you already have?

I have the following cards:
1) M2C Amex and Visa
2) UOB One Card and VOX Visa
3) OCBC Great Eastern Platinum MasterCard
4) Hong Leong Essential Visa
5) MBB Ikhwan MasterCard
6) AEON Watami Visa
7) Alliance You:nique MasterCard
8) CIMB Cash Rebate Platinum MasterCard
9) Citibank Platinum Cash Back

OK thanks very much. Like I said, I did not fill up any forms for 4 out of 6 of the banks. So I assume the officer filled it up for me, altho I don't know how would they put down the signature if I wasn't the one signing it up. Since I am on a long leave and have no printer/scanner at home, I had to go to the shop to print, and then to scan when the form is being signed (i.e. take effort to do) , so I am aware if I sign something or if I don't.

Thank you. Like I said I did not put down any signatures. Anyway, I was just curious.. it wasn't a hassle to cancel those credit cards, even though the officer of one of the banks keep luring me with many offers to entice me of not cancelling the card

I would suggest you to file a complaint direct to Bank Negara. 4 banks doing this paint a very bad picture. If they can forge signatures for CC application, who knows what else they have been doing.

McDonald's now can accepted for credit card Paywave features ??


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certain branches in Malaysia or all McDs in Msia accept cc?

Certain only. In fact, I only know MV has, others I don't know.

Should be some of branches, this is taken from Genting McD, but 1u McD no such offer