Hi,

Tried to apply for CC but rejected.
I am self employed and declared my income tax too.
Based on income tax my monthly income about RM 4000.
PTPTN Loan was restructured on April 2017 and did not missed the installment since April 2017.
Checked my CCRIS for PTPTN, it appeared 0 0 0 0 (which means i pay on time)
At the same time, i do contribute EPF (on own) RM 200 per month.

Any reason why my application was failed?
The banker said my record was too clean as I dont have any car/house loan except PTPTN

1. Annual Income: RM60K

2. Free Lifetime Annual Fee: yes

3. Card required for: cashback priority. Breakdown: petrol 300, dining 200, misc 300

4. Existing credit cards (if any): CIMB CB, HLB Mach

5. Interested in CC from: Any

6. Others: preferably get better cb for petrol and dining. Sometimes online transaction too.

May I know which bank offer free luggage on signup of credit card right now?

Thanks.

1. Annual Income:
RM80k

2. Free Lifetime Annual Fee:
A Must

3. Card required for (in order of importance):
Dining, Cash Back/Rebate, Overseas Transactions.

4. Existing credit cards (if any):
a. Maybank 2 Cards
b. Quantum 2 Cards
c. Maybank Islamic MC Ikhwan

5. Interested in CC from:
I have account with below banks.
1) Maybank
2) CIMB
3) Public Bank
4) Hong Leong
Or can suggest me others

6. Others:
I have maxed out the above cards with bills and commitments. So the next card I'm looking is for dining and cashback when I occasionally outstation, within and most of the time out of Malaysia.

Appreciate your kind help, thank you in advance.

1. Annual Income: -

2. Free Lifetime Annual Fee: Must, but if lets say the bank offers XX swipe per year then its waived (thats fine too because i'll definitely be swiping more than 15-20 times)

3. Card required for: Online shopping, petrol, groceries, miscellaneous shopping -> clothing, gadgets, literally anything applicable for swiping

4. Existing credit cards (if any):

5. Interested in CC from: Unsure, any recommendation?

6. Others: having the highest cashback/rebate provided on next outstanding (but must have annual fee waived or at least swipe XX amount for it to be waived).. Principal card only
Thanks 

both of them seems quite similar to me in terms of benefits. Mbb is amex + master card while pbb is visa + master

any specific reason that I should go for either of them?

haha ok thanks anyway, btw i check uob one the rebate % is low too 

1. Annual Income: RM100K

2. Free Lifetime Annual Fee: Yes

3. Card required for: Mainly for petrol, any day any time.

4. Existing credit cards (if any): PBB VISA Platinum, HSBC Visa Platinum

5. Interested in CC from: MBB, CIMB

6. Others: Need a credit card that provide cash rebate, 0% balance transfer

1. Annual Income: RM150K

2. Free Lifetime Annual Fee: Any.

3. Card required for: Online (google adwords & facebook) - Cash back/Rebate,AirMiles .

4. Existing credit cards (if any): MBB 2 cards Reserve, MBB 2 cards Platinum, CIMB World MC, CIMB CB Platinum, CIMB Preferred VI, Citibank - Premier Miles, Citibank - Business Platinum, Citibank - Clear Card, Alliance Platinum Visa .

5. Interested in CC from: PB

6. Others: Due to (company related) heavy online ads payment about RM24K (GOOGLE & FB ads), Utilities (TNB-1.1K,TM RM1.3K, Celcom - RM100), Insurance autopay (Yearly=RM6K, Monthly=RM408), PAYPAL-RM120, online subscription - RM1000, AF(anytime fitness) GYM RM631.6, PETROL-RM400, TNG-RM100. All above is MONTHLY expense (except insurance), my goal is to optimize it as much as possible from cash back/rebate to air miles (enrich miles) from RM30K spending. 

. Annual Income: (gross income?) ~RM90k

2. Free Lifetime Annual Fee: A must or x number of swipe for waiver (not amount)

3. Card required for: Cashback

4. Existing credit cards (if any): Citibank cashback platinum, other just debit cards

5. Interested in CC from: Open for suggestion

6. Others: Prefers cashback instead of points.
- Petrol (currently only Caltex)
- Reload TnGO
- Occasionally taking Grab
- Grocery
- Auto debit for Unifi, insurance

Thank you for the advice.

Annual Income: Rm60k

2. Free Lifetime Annual Fee: A Must or can be waive easily

3. Card required for: List all your needs. petrol with 5% cashback

4. Existing credit cards (if any): maybank2card, cimb cash back, ocbc amanah

5. Interested in CC from: nil

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?

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

Hi i m looking for a credit card that have the best cash back or benefits to shop at marketplace like lazada, shopee, 11 street...i shop online at marketplace average at rm10k per month for business purposes...may i know which credit card best suit my requirement? thanks

But the max cashback per month is only RM50 for this Fortune Card.

hmmm sounds troublesome... so the best I could do is with 1% with the Amex cash back credit card hmmm.... what about points? any good card with points? HSBC VS? but only Citibank, Amex and Alliance bank got evergreen points

1. Annual Income: RM120K

2. Free Lifetime Annual Fee: waivable

3. Card required for: Petrol, F&B, Groceries, Fashion, cash rebate, insurance, utilities bill, etc

4. Existing credit cards (if any): None

5. Interested in CC from: No particular preference, preferably easy to apply.

6. Others: Plan to make installment for furnitures n fittings  & electrical appliances for new house

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: A Must or No only.

3. Card required for: Petrol, Groceries, Phone bills, online digital services( like Netflix or Steam), online purchase (Lazada etc)

4. Existing credit cards (if any): None

5. Interested in CC from: No bank preference, but if possible, Islamic CC

Hi
Annual income RM36K
Just started this new job one month
So far only have one payslip. Epf only have 1 mth continuation
Is that good to go apply Maybank 2 Gold CC?
Any other CC can suggest which easy to apply?

1. Annual Income: RM 54k

2. Free Lifetime Annual Fee: No.

3. Card required for: Petrol, online overseas shopping/transaction, groceries, entertainment

4. Existing credit cards (if any): no.

5. Interested in CC from: No preference

6. Others: Looking to get the best cash back for petrol and online purchases, not just weekends only.

Which credit card should I get? Also, I should apply at malls right, usually got like free stuff. Please advise!

Thanks

Edit: reworded the criteria and formatting.