Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards CIMB Bank Credit Cards v5
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 Jun 30 2016, 08:28 PM
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#1
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca  
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off topic:
Hi guys, if I am currently under hire purchase agreement with public bank with very good track record of servicing the loan, do I need to submit additional income proof to apply for a credit card ? |
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Jun 30 2016, 09:05 PM
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#2
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(David83 @ Jun 30 2016, 08:40 PM) Of course. thx |
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Sep 8 2016, 07:22 PM
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#3
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(fruitie @ Sep 7 2016, 08:54 PM) No, I don't think so. It's still at stage two? No date shown in stage 3 onward. I think you will need to call CS to clarify. If based on my understanding, I don't think it's approved yet. Bro how long it took for your status to change to process n approve? Previously were there any tick next to Process and Approved? |
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Dec 22 2016, 09:45 PM
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#4
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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1. Annual Income: >RM27000
2. Free Lifetime Annual Fee: Must 3. Card required for: bills payment, online shopping,petrol 4. Existing credit cards if any: None 5. Looking at CC from: Any bank 6. Others: - Looking for cash back and annual fee waiver, fresh grads can easily be approved! - Tried a few from starting till 6months epf still kena rejected... - CCRIS GUARANTEED nice record and PTPTN all cleared Got rejected by CIMB 3 months back through online application... epf this month got six month only as fresh grad... walk in will get direct approval? |
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Dec 22 2016, 10:10 PM
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#5
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(alexanderclz @ Dec 22 2016, 10:08 PM) first credit card, better if it's from the bank where ur salary is being credited. recommend to wait for 6 months after previous rejection to try again. Why must six months? If 3? Do I need to submit my bank statement too? |
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Dec 22 2016, 10:15 PM
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#6
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(alexanderclz @ Dec 22 2016, 10:13 PM) generally accepted 6 months cooling off period. anything less will show ur 'desperation'. and yep, usually i will supply epf + 3 months pay slip. the more supporting documents, the better. but some may feel uncomfortable sharing those with the bank. Any bank easier to get approval? I felt uncomfortable to share bank statement... epf n payslip ok... but if walk in to kiosk for instant approval type not bind by 6 months rule right?bsn easy? |
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Dec 22 2016, 10:22 PM
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#7
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(alexanderclz @ Dec 22 2016, 10:18 PM) hard to say. different banks have different algorithm. but they share a common info - CCRIS. you can try but if i'm not mistaken, it shows on ur CCRIS how many credit cards you tried to apply recently. and of course, having many failed attempts in a short period of time may appear fishy to the bank. I tried checking CCRIS, just got historical check by Financial institution... no record on attempts to get loan or cc approved except for the same months ...mean they only can know how many have checked your CCRIS previously |
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Dec 22 2016, 10:30 PM
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#8
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(alexanderclz @ Dec 22 2016, 10:26 PM) ooo, learn something new today. but as far as i know, banks wun check ur CCRIS unless for loan/credit card services? Yea... but I can go BNM check CCRIS... also a check from FI? And also it might be Lon, unnecessarily cc...My auto loan payment very nice, PTPTN cleared recently ... so would like to try walk in to CIMB for instant approval upon next month epf masukThis post has been edited by MrLoo: Dec 22 2016, 10:31 PM |
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Dec 23 2016, 12:16 AM
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#9
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(alexwsk @ Dec 22 2016, 11:19 PM) if using paypal, not necessary better to pay in RM coz paypal's conversion rate might be worse compared to 2% forex charge What I meant is totally paid off... no more hutang... CCRIS no more PTPTN... OCBC criteria is what? I applied today...PTPTN cleared recently, meaning got missed payments before this? this might contributed to not so nice CCRIS reading |
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Dec 23 2016, 07:33 AM
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#10
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(alexanderclz @ Dec 23 2016, 12:33 AM) every bank got their own evaluation. perhaps the following link will help: Oh now only I knew they want six cause always put latest 3 moons epf statement... thanks bro... next month CIMBhttps://ringgitplus.com/en/blog/Credit-Card...t-Rejected.html |
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Dec 24 2016, 11:28 AM
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#11
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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Off-topics: anyone using OCBC Cashflo MasterCard?
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Dec 24 2016, 12:25 PM
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#12
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(edwardccg @ Dec 24 2016, 11:37 AM) you can ask at this pin thread :https://forum.lowyat.net/topic/3802512 Thanks & sobx...we should discuss only cimb card here |
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