(1) If you are already planning to cut, then anytime will do. Make sure that you do not use the card after the AF is charged or you will have to pay even though you cancel it.
(2) Still subject to bank discretion.

can you really swipe more than your credit limit if you debit your credit card with cash beforehand?

for example:
limit 1k, debit 500 cash. the max you can swipe is it still 1k or 1.5k now?

someone argue this is possible but i have doubts

Yes, it works can swipe for 1.5k provided you have no outstanding payment beforehand.

thanks! i guess i learn something new today

Can work.

Last time i travel for business, had to use my own credit card that only have CL of 5k when the hotel rental itself is more than that.
I also deposited a few Ks to allow me to use the card for more than 5K without problem.

none of the situations above i able to fulfills...

monthly premium RM200, some yearly RM5k & RM2k. that's all.

Guess any card will be look the same for me then. Thank!

if you do not plan to have any other spending on the card except insurance.
since only 2 in your month got higher spend of 5k and 2k
you can get Alliance Younique
for rm200, can get rm1 (0.5%)
during 5.2k charge, can get rm5(0.5%) + rm15 (1.5%) + rm30(3%) + rm6.6(0.3%) = rm56.6
during 2.2k charge, can get rm5(0.5%) + rm15 (1.5%) + rm6(3%) = rm26
in a year, you get rm1*10 + rm56.6 +rm26 = 92.6 for insurance premium


while for ocbc GE
if charge only rm200, can get rm2 (1%)
during 5.2k charge, can get rm10(1%) + rm21 (0.5%)= rm31
during 2.2k charge, can get rm10(1%) + rm6(0.5%) = rm16
in a year, you get rm2*10 + rm31 +rm16 = 67 for insurance premium

Hi, Im a fresh grad, if I wanna apply for a credit card, how many months of bank statement/payment slip/EPF statement I need to provide? Given that I wanna apply for the RM24k per annum card.

Do I have to only provide 1 of the above 3 mentioned statement?

This post has been edited by Bendan[520]: Mar 4 2016, 10:35 AM

According to some card sales agent, EPF of 6 months or above is adequate. However, if you supply 3 months latest payslips, it will strengthen your application. Bank statement is not required.

Hey thanks for the info (:

Make sure you submit at least the minimum documents required, this info is usually found at the website or at the application form. anything further will strengthen your application.

How many card limit in malaysia a person have? Or there is non? I believe so far it only applies to those earning below 24k have a max 2 card limit right?

those below 36k can have cards from maximum 2 issuers, not card. for those above, as high as your rating allow

This post has been edited by Human Nature: Mar 5 2016, 09:01 PM

Er, 36k per annum and below, guys; for maximum two issuing banks' cards.
Below 24k per annum cannot own even a CC, minimum is 24k per annum.

This post has been edited by fruitie: Mar 5 2016, 07:42 PM

May I know what rating is that?

Ah..right. my mistake there.

Just the normal credit rating.

hey everyone,

i just applied for my first CC with Maybank for their 2 card gold.. apparently my application got rejected... because im still new in this I wanna find out more information and what can i do next

1) can i call maybank and verify why my application got rejected?

2) maybank 2 card gold require a minimum annual salary of RM30k meanwhile my annual net income is RM29,500 after deducting epf and etc. Is this the reason why my application got rejected?

3) is it advisable to try to apply for other cards with other bank straight away after my application got rejected with maybank?

thanks all senpai for their assistance!

This post has been edited by omgimahero: Mar 7 2016, 11:48 AM

1) standard bank practice won't tell you the reason.

2) should be based on before deduction, not after.

3) no harm trying.

1) yeah i tot so.

2) okay, so do u think my application got rejected because my anuual income is RM500 lesser than RM30k requirement?

3) any entry level credit card can u recommend me to apply? i just scared if i spam apply cc then it shows bad credit score next time in the future cause alot of rejected cc application.

i applied on my own through mb2u website. do u think i have a better chance if i apply through maybank credit card sales person?

(2) Can't say. Only the card approval dept knows.

(3) If you have access to card center, try walk in to apply.