Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Public Bank Visa Signature v4, 6% Cashback On Grocery, Dining, Online
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 Jul 17 2016, 05:08 PM
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#1
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102  
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QUOTE(??!! @ Jul 17 2016, 03:45 PM) I know someone with > RM200k annual income, ... no borrowings. kena reject 2 times. CS refuse to give reason for rejection..says they don't know and won't divulge. Only 2 reasons, either CCRIS not nice, or CTOS not nice ! |
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Jul 17 2016, 07:39 PM
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#2
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(??!! @ Jul 17 2016, 05:35 PM) Never borrow any money. Only have 2 other credit card..no outstanding amount. Better ask him to check his CCRIS and CTOS. Either his CCRIS is 'dirty' or 'empty' . Or he might have some CTOS issue . |
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Jul 17 2016, 09:48 PM
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#3
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(??!! @ Jul 17 2016, 07:55 PM) Thanks for advice! About CCRIS - https://loanstreet.com.my/learning-centre/e...ing-about-ccrisWhat are the possible areas that may contribute to issues with CCRIS or CTOS if he had never had any borrowings before? Not sure how these things work. About CTOS - https://loanstreet.com.my/learning-centre/e...hing-about-ctos |
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Aug 1 2016, 02:14 AM
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#4
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(DarReNz @ Jul 31 2016, 10:11 PM) wanna check for online transactions is it mostly for you guys that if you receive OTP, most likely is eligible for 6% and if you don't it's not eligible ? OTP does not affect in any way. Used it in ITunes before and it's good ! |
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Nov 3 2016, 10:06 PM
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#5
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(joylay83 @ Nov 3 2016, 08:49 PM) may I know besides pledging Rm35k FD to apply for this card? what else is acceptable as a pledge? Only board rate FD are acceptable. If you are very lucky, you may be allowed to use step up FD. Once you pledge, your FD cannot be withdrawn. You have to cancel the card before you are allowed to withdraw the FD.GIA/PM/foreign currency FD acceptable or not? and are we allowed to withdraw it later or we have to keep it there as long as the card is active? thanks |
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