Anyone able to swipe CC for car down payment lately? Without surcharge.

The last post on the closed thread on this topic was 2014.

am curious about this too. btw, i think things have changed. back then, share holdings can give more weight in getting loans approved. But now bank see it as too 'volatile', and places more weightage on the re-payment pattern of the applicants. in other words, ccris/ctos standings.

If I recall correctly, I think only a few banks have an "other income" section in the CC app form, which would imply that it is not a primary factor. I agree with previous comment that it's too volatile and not a good indicator of creditworthiness.

I have significant rental income but only use salary slips to support my CC applications, as l think that's all they really care about.

And supporting docs for other income a bit tricky - have to use submitted income tax return I suppose?

tried to apply CC via imoney website, they called and ask a few questions. I was asked if there is bank loan payment records for the past 12 months, my answer was "no", then she said it is very hard to get CC.

Is that one of the criteria as well for applying CC as well?

Hello guys,
I apply for maybank credit card but rejected coz of no any financial report that means too clean.
So any idea how can i have financial report and can get credit card approve from bank?

Oh
Coz now my cc get reject so If i open fixed deposit today when can i apply cc back?
How much FD should i put ?

Ok but today cc reject tomorrow i go apply fd plege cc no problem with that?

Keep for how long 1 year?

Please note the Minimum deposit of RM5,000 for 1 month and RM1,000 for 2 months and above.
Minimum deposit 5k for 1 month it is every month need to deposit?

Usually after a minimum period of one year, with good payment record, Maybank will discreetly release the pledge from the system. Even though they still hold the FD. The code in CCRIS will change from 29 ( Secured Loans under guarantee by financial instrument) to 00 ( unsecured loans) when it happens.

Hi there.. some say 3K can apply for 3rd card, and some say need 3.6K permonth salary income... so, how can i get my 3rd card? coz now market seem got lot cashback card which i really interested...

okok， clear... no ptptn la.. only hutang bank for card usage only...

Well, maybe you could but I don't know. Will be paying card center a visit soon to enquire about this.

Hi guys,

wanna ask something. i'm gonna apply for maybankard 2 gold at the 1utama center. What should I bring there other than my IC and payslip?

Hi All, as you know PBB visa gold require 12 swipes for free annua fees. Can I ask if I have purchase with sen heng of installment plan for 24 months. Is that consider a swipe a month? Thanks

Can I cash advance 5k on RHB,
Then balance transfer to alliance bank?
Will I get charge on any fees?

still doing research on 0% BT, yea, cash advance too, 5% on amount

Hi Chia,
I still yet apply the card,
On progress,
Example,
I got 10k limit,
I withdraw 6,800 , got 6.99% P.A, at BanK A

Can I Transfer all 6,800 from bank B to another bank B? If I got 0%,
Or can't? Please give advice

No, is still cheaper than PL if bank allow do that

Hi guys, earlier my post was removed so couldnt check the reply due to violation of section T-1.

Anyhow, my credit card payment was due yesterday and because i was outstation, i paid my cc a day later than the due date, im not worrying about the penalty tho it may be a bonus if they could waive it but more worrying about CTOS record. Do they have any grace period? FYI, my cc is maybank.

please advise sifu, thanks!