Note : for annual income less than 36000 can only hold maximum 2 cards based on BNM rules.

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.

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

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

Hi, I m new cc user, i got a question here, my credit card limit is rm4000, and the credit available left rm300++, can i still buy a rm2100++ item ? Thanks

thank you sir for your info, actually i wanted to buy an audio equipment and i left available credit of rm330 only.. anyway, thank you again.

still essential 0.6% more worth for high spend unlimited.
ocbc second as after first 1k at 1% you still can get 0.5% subsequently unlimited.
watami after first 5k/quarter at 3% you still can get 0.4% subsequently unlimited.

if my old card expired and i did not activate my new card.

do i still need to call the bank to cancel my old card?

The credit report request form has 3 pages. Second page is left blank (only for date review) The third page is the table for loan declaration. Do we need to list all our credit card details here?

alright thanks. so just front page and the supporting docs. how long it takes them to send the report?

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

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 24k can have cards from maximum 2 issuers, not card. for those above, as high as your rating allow 

Plan to check my CCRIS, we could only go to BNM and print it, right?
Any cheap parking suggestion nearby the area?
I am from Klang Valley

Do you mean inside BNM building?
My places is no where near to any public transport, unless i park in station and use public transport but it will be costy than i drive there and park. I believe within 1 hour can settle all.

for booking.com? none of it useful lol... because you will only swipe your cc during your stay at the hotel. now they just use your cc to guarantee your room only. they will only charge to your cc if you did not turn up on that day.

like what victory said. have to pay to the hotel upon check in.

when you stay there, the hotel will update to booking.com because booking.com get their commission from the hotel. if they are linked to booking.com, you can almost fully sure that the hotel will have a cc terminal.

better get some cash, btw, under the hotel policies, it does state if they accept card, and what kind of cards.

i think citibank for 8%? correct me if i am wrong.

always cross check with milkadeal. sometimes either one offering higher rebate than the other, although usually they offer the same.

if you want to use online cb cc, then you have to go through agoda rather than booking.com.