hello, just wanted to ask whether it is possible to used 'fixed deposit' as an application to apply credit cards?

as i don't really have pay slip for my current job at the moment,
and what is minimum amount of fixed deposit amount to apply?
is there such thing available?

hello, just wanted to ask whether it is possible to used 'fixed deposit' as an application to apply credit cards?

as i don't really have pay slip for my current job at the moment,
and what is minimum amount of fixed deposit amount to apply?
is there such thing available?

Yes, you can.
Minimum amount is depending on which grade of card you are applying for.

It is possible with some banks although they don’t publicize it. Only BSN mentioned a minimum of RM4k in SSP/FD required. Public bank mentioned the FD principal amount will be the CL.

hmmmm!! any lubang or idea where can i enquiry regarding this??
or should i jump over to each 'bank' credit card topics XD

hmmmm!! any lubang or idea where can i enquiry regarding this??
or should i jump over to each 'bank' credit card topics XD

same as post # 1829

Hi, appreciate your recommendation as per below

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Only need it for emergency cases (hospitalization, emergency booking of flight tickets etc.

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: I need a credit card for standby only, wont be using it for daily transaction.

any card with no AF such as m2card

Hi, appreciate your recommendation as per below

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Only need it for emergency cases (hospitalization, emergency booking of flight tickets etc.

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: I need a credit card for standby only, wont be using it for daily transaction.

any card with no AF such as m2card

Hi guys,

I've been trying to apply for the 1st CC, but got rejected twice w/o reasons.

I don't have any loans, apart from ptptn, which was alrdy fully paid.

Any idea where I can ask about my application rejection?

FD pledging for credit card is possible.

no need find lubang, just ask the from the official source: BANK

give them a call and ask. diff bank, diff card, has diff FD pledging amount.

Just hop over to the bank branch of your interested card and ask will do.

Hi, appreciate your recommendation as per below

1. Annual Income: RM24K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Only need it for emergency cases (hospitalization, emergency booking of flight tickets etc.

4. Existing credit cards (if any): n/a

5. Interested in CC from: n/a

6. Others: I need a credit card for standby only, wont be using it for daily transaction.

what bank you applied? maybank was easier for me. Try ringgit plus or offline application. Online one tends to be harder.
Maybank works for me then from there build your nice credit record.

1. Annual Income: RM80K

2. Free Lifetime Annual Fee: Yes or can be waived by swipes

3. Card required for: Utilities Bill/Dining/Shopping/ BT(if possible)

4. Existing credit cards (if any): Maybank 2 Gold Cards, UOB onecard

5. Interested in CC from: looking at PBB Visa Signature OR PBB Quantum2card (pls enlighten, which 1 of these 2 is better), + suggestion for other.

6. Others: Cashback, or Points... (better cash back) since i have mbb 2gold for points.

PBB Visa Signature
6% Cash Back on Grocery, Dining and Online Transaction, 6% Cash Rebate is capped at RM38 per month per principal account equivalent to RM633.33 spend

PBB Quantum 2Cards (Free for Life)
Quantum MC -   5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment (movie) & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
You can Pay your (UTILITIES) billing thru Online to get Cash Back...

Take PBB Quantums better becos can get CB up to RM60/month from these Combo, if compare to PBB VS  You can earn Only CB RM38/month.
And, Since  You already have MBB 2Cards, You may ADD Maybank FC Barcelona Visa Signature to Your List to to earn more CB.  :thumbsup:
* Lifetime Fee Waiver
* 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards