Hi, I'm very sad my credit card got rejected. I'm more than qualify for it. When try apply again online, it ask me for wait 3 months.

If I go branch apply is it will same result or have chance different approver?

This post has been edited by MasterConfucion: Mar 9 2024, 10:43 AM

application review and approval is at HQ, not at the branch.

resubmission won't get different results as your previous application already has record there.

also, your definition of 'im more than qualify' doesn't guarantee approval because banks has more criteria of checking.

Maybank Islamic is known to be quite stringent and stingy too. I was also rejected for 2x before they approved me.

I see.. They didn't even tell the reason so don't know where wrong. So u wait 3 months and 3 months apply before get approve?

reasons are internal p&c

if ppl know exact rejection reason, ppl will attempt to manipulate data/documents just to pass that specific reason.

mine, forgotten how long I waited. just randomly reaply again when there's a good card out.

You don't qualify for Maybank Islamic's new credit line, as you still had a credit line from Maybank.
Normally Maybank Card Centre won't give a new credit line, unless your income is substantially improved from last review.

Also, apply directly at Maybank Card Centre, avoid third party and Maybank2U online application.

I see. I try to get the free gift from ringgit plus. 3 months later will try direct from maybank since I already cancel all maybank credit card should be ok.

I never have a single rejection from other banks before that's why so disappoint

When you still had Maybank CC last month, emailed the Conversion form to Card Centre, almost 100% you would get approved for Maybank Islamic CC.

The M2U robot can be too smart to reject application even though you meet all the criterias. So email/talk to card centre, Maybankers are helpful.

Just wondering if Maybank can reinstate your credit line that you cancelled a few days ago. If possible, then spilt the credit limit into 2 parts, for conventional banking and islamic banking. Eg your existing credit limit RM20000, spilt into Maybank CC (Amex 5% CB) RM10000 and Maybank Islamic CC RM10000 (Visa-i 8% CB, MasterCard-i 5% CB, Amex-i 8% CB).

I already cancel no point going through if I should have done this and that.

Is it true my application is rejected by robot instead of real human assessing it? Cos when I click submit it says your application is principally approve but next day it SMS me say rejected.

Yes rejected by the robot.
Then I emailed to card centre, human read my supporting documents and approved it and increased credit limit (I didn't request).

I applied for 3 times online before this. Got Rejected.

Lately for the past 2-3 months, telemarketing team from Maybank sent me 2-3 emails to apply for the credit card. Applied for 1 time, and APPROVED.

I think you should check your spam/junk folder. Their telemarketing team may send blast email to apply for the credit card.

I hate telemarketers, but when it comes to this situation, I truly appreciate them.

This post has been edited by xpole: Mar 9 2024, 06:27 PM

Thanks for the confirm. Then I think I should try reach out to real human for a chance. Means can't get ringgit plus rm100 🥲

Hey guys, My statement date is on the 8 March. On 5th March I spend RM846 on Lazada EC KUALA LUMPUR, but the I didn't get the cashback, does it mean I will only get on the next statement ie, 8 April?

cb by calendar month la

for ikhwan amex, cb crediting by 15th next month (so far on 8th)

This post has been edited by cybpsych: Mar 10 2024, 09:28 AM

I'm not sure why some comments mention you can't get islamic credit if u have maybank.

Just to share my own experience, I have maybank cc, I applied online for islamic card on December '23, and "instantly" got approved.
Why is say instantly is because, after I submitted, I check on MAE and saw the card, realised it's the wrong card showing, I immediately called to cancel.
I was told there was no system error, so they say likely it's human error on my end. The card was immediately cancelled, as shown in MAE app. 2 days later, the card arrived at my house.

On Feb '24, I apply online again for the card that I wanted, wasn't because of cooldown period or anything, just that I was lazy, and didn't really need the card.
Got "rejected" this time.

Then I went to Maybank credit card center and told the staff what happened, the whole story above, and he say can apply again with him. Approved this time.

tl;dr Probably you can try to apply at Maybank credit card center if you really want the card, and not the ringgitplus gift.

I'm not locAted in KL. U think they will layan me if call customer service?

No, I think calling won't work, probably you can visit your nearest maybank branch, they can help to submit as well.

i apply mbb islamic cc on october 24-approved

i apply another mbb conventional card jan 24 and approved

both got their own credit limit and same amount of credit limit.. i think because my salary acc is mbb.

Attached thumbnail(s)

Actually I can choose to pay the Allianz Car insurance at Shopee directly by ikhwan-amex instead of spaylater to get the 8% cb since i dont need to pay on weekend like m2amex. Right?

Interested to know this too.

This post has been edited by Human Nature: Mar 14 2024, 08:56 AM