Trust me, high CL won't do much good.

Well, for big items, paying cash usually get better offer price.

Depending on locations, in Seremban, i can always get cheaper by at least 10% and with freebies that I can choose from.

Cannot reduce to minimum, their minimum still quite high.

usually 3 weeks max from the day you applied.
Something like 1-2 weeks waiting for the form reach HQ, process and come out in the system, then the last 1 week is dispatch the card to you or to branch.

Basically don't always expect that you will get same date transaction posting, still give some 1-3 days as buffer.

Wait when you need to pay using CDM, say only 24 hours operation, but at 8pm, only 1 CDM working out of 6 CDMs

Set rm50 are more practical.
There are cases where people not receiving any sms when set at rm1.
Also another so-called reputable member here(also set rm1) die die saying he got charged twice when using his card but as a matter of fact, he swiped twice and ignored the 2 sms he received.

So far Maybank are the best for me, HLB and PBB are hopeless on this.

That's why keeping the card(s) secure is our duty

Basically the stated "minimum requirement" just a general guide, like your annual income just hit rm100k with OT and bonus, risk of getting rejected are quite high. But if rm100k are your basic salary not including OT and bonus, then it will get approved.
Another way is, your EPF's amount, how much tax you paid in average for the past few years also comes in to play.
Till today I'm still trying to know is there any rules and regulations that every person applies a credit card and banks shall approve it without doing proper risk assessments

IRB's redirected online portal.
https://byrhasil.hasil.gov.my/

This post has been edited by supersound: Apr 19 2016, 04:33 PM

What's HNW?

That's different story

Well, once you get it, you will get 6% of cash back.
Is you that want their card, not they offer you the card, so nothing much you can do.

Basically most transactions that requires TAC except PBB website are considered as online.

Last time yes,now nope, you need TAC except for own bank, like PBB's card on PBB's online portal, then you no need to have TAC.

Hope it will be good all the time

https://www.pbebank.com/Personal-Banking/Ra...ebit-Cards.aspx

Read back the T&C from PBB if don't know.
It is quite obvious you never read that when you get the card.

If you received TAC on the transaction, sure can get.