I've been trying to apply for some new credit cards, especially the Maybank 2 Platinum Cards, but I've been rejected by all the banks I've applied to so far.

I have 3 credit cards (UOB One Card, HLB Wise, Aeon Credit Card) with total credit limit of RM34,000.

I have 2 joint housing loans, with my portion being RM425,000 and a car loan of RM25,000.

With a monthly income of RM10k, I am not eligible for new cards?

After being rejected, how soon can I apply for new cards again? I'm interested in trying what GenX is recommending in his blog, but not a single bank has approved my new card applications.

usually 6 months but you may try your luck again earlier if you are confident that it's a mistake that you got rejected.

i got the answer from agoda. their pay later option will follow the exact amount during booking.

but if you book overseas hotel, your pay later option will follow forex during that time. unless you reserve local hotel, then no forex involved.

Not according to Agoda. Pay later option, overseas hotel, the card will be charged with the amount shown during booking.

i don't trust what the cs said... because forex doesn't wait for people... it's always based on the date and time the amount is charged for foreign exchange conversion.

For booking that is Book Now Pay Later, it will be charged as per the amount when you did the booking.

Got black and white

but they don't write if forex involved or not?

i just tracked my previous transaction using this method last year...can confirm that charged based on the locked up amount during booking.

you mean overseas hotel which involved forex right?

Yup, that is correct. I selected MYR.

oh yes, if select myr then no forex is involved and thus no issue with pay later option.

Maybank sifu,generally maybank TP is equal to how many percent cb ? For example maybank2card amex 5X to = %cb ?

Maybank sifu,generally maybank TP is equal to how many percent cb ? For example maybank2card amex 5X to = %cb ?

Query on Extended Payment Period (EPP, usually so called interest free)

Usually EPP is used to purchase big item eg. TV etc.  Can we arrange EPP for items like pharmacy product monthly ? 

If it can, how do we come about doing it ? 
Thanks for all the help .

Question:

someone is under akpk with a few banks, out of sudden a bank call n offer the credit card, which only needs to verify some details and accept the terms over the phone, well, the guy gave it a try, although he knows that under akpk it won't get any chance to apply credit facilities, but this is interesting 'coz bank offer like a pre approved card.

But after this he is concerned whether it will trigger any risk or alert to akpk.

Any opinions?