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Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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omgimahero
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 Mar 7 2016, 11:45 AM
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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 |
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omgimahero
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Mar 7 2016, 11:51 AM
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QUOTE(laymank @ Mar 7 2016, 11:47 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? |
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omgimahero
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Mar 7 2016, 12:03 PM
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QUOTE(laymank @ Mar 7 2016, 11:57 AM) (2) Can't say. Only the card approval dept knows. (3) If you have access to card center, try walk in to apply. thank you! i will try apply once more through walk in... not sure if i wanna try maybank again anot since they rejected once already. |
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omgimahero
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Mar 7 2016, 01:09 PM
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QUOTE(fly126 @ Mar 7 2016, 12:32 PM) Try UOB One Card or HLB Mach or SCB Cash Back Gold a bit Lenient Compare to other banks for build up your Credit History 1st...  Actually, 1 of MY first CCs also from Them...  https://forum.lowyat.net/topic/3842474https://forum.lowyat.net/topic/2421215https://www.sc.com/my/campaign/cashback-gold.html Btw, U are fresh grad...???  Thank you for your recommendations. Will find out more info and apply accordingly. Yes, i am fresh grad but i've been working for 2 years freelance for my company. Now i'm permanent full time staff confirmed on January 2016. This post has been edited by omgimahero: Mar 7 2016, 01:10 PM |
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omgimahero
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Mar 7 2016, 01:28 PM
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QUOTE(laymank @ Mar 7 2016, 01:17 PM) That explains why your application was rejected - cause there is not enough credit record histories to look at. You may still try to apply, but without a consistent EPF contributions for past 1 year (since you said you work freelance), it's hard to approve. Ahh.. icic, i think i will try to apply one more time but with the card requirement of RM24k PA instead of MBB RM30k PA requirement. if still rejected i think i will have to wait for another 6-9 months before applying again with a stronger credit record history i guess? This post has been edited by omgimahero: Mar 7 2016, 01:30 PM |
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omgimahero
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Mar 7 2016, 04:08 PM
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QUOTE(fly126 @ Mar 7 2016, 03:57 PM) At least 6 months EPF's Contribution as you need for Bank Reference on New CC apps. Yup, Becos of U tiada EPF, the Bank will assumed you're Not working long enough do not got a Stable Job, yet.. ok.. then i might consider reapplying again in another 3 months i guess... |
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omgimahero
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May 30 2016, 12:29 PM
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Hi guys.
How do u check how much cashback did u get? I got 5% cashback on dining on weekend using maybank2 card but i check statement got no such information provided.
edit: i checked directly with mbb, only reflected on 1st june...
This post has been edited by omgimahero: May 30 2016, 12:53 PM
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omgimahero
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Jul 21 2016, 04:49 PM
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hey guys,
I bought an item online with credit card worth RM300 and after 10 days the seller inform me no stock. He ask me if it's okay if he refund. He say refund into credit card will take 7-14 working days. I say ok la.
But then i think, now my cc statement is coming on 23/7/16 with the RM300 already billed. How now? Pay the RM300 for a product i did not receive? Should i call bank or what?
This post has been edited by omgimahero: Jul 21 2016, 05:11 PM
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omgimahero
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Jul 21 2016, 05:25 PM
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QUOTE(fruitie @ Jul 21 2016, 05:04 PM) You have to pay for it. The refund will come in later, and will offset with your future purchase. Else, when the refund comes in, call bank and ask if can offset against the statement amount. I had refund before too but because I still use the card, so let it offset my future purchases while I pay that amount first to avoid any interest due to shortpayment. Thank you bro for your fast reply. Then I need to call bank to offset against statement amount cause that card i dont use very often. Thanks again bro!  |
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