Aeon gold - 5% capped rm25. no min spend.
CIMB petronas infinite - 5% dining n grocery capped rm50. require statment balance min 4k. dinig included Pub MCC 5813

Tried to apply for Bank Islam gold card. Got rejected because "my commitment too high". I wonder how they evaluate.

My CCRIS total credit limit offered by bank is around RM800k combined. I utilize around RM200k. No late payment ever. Holding few Visa Infinite from big banks but got rejected for Gold card. lol

Banks don't usually share the rejection reason and at least you know why.

Maybe a lot of BTs ongoing?

not because of "gold card" la .... the whole bank wouldnt take the risk to onboard you

Maybe? But can they tell from CCRIS? lol

So many 0% bt promo ongoing, hard to resist.

I thought bank only consider those CCRIS record with a lot of 1111111 to be high risk ma. Me with perfect payment record also high risk meh? They should be happy I can spend 5-6 figures every month with no outstanding. Or maybe they reject because cannot earn late payment interest from me?

It's ok la let's see Bank Muamalat EON reject me with the same reason or not.

Yes, the total outstanding will be shown on CCRIS.

many variations to review your financial "health"

they may not have high risk appetite to onboard you/your "high commitment"; without considering repayment capability (could be transient, no guarantee)

Likely from BT. In eccris, BTs is lumped together as utilization for some banks.

DSR too high........... you can just calculate it. monthly payment (home n car loan, PTPTN, PL), add total credit card monthly payment divide with your income.

i got more than 100%, meaning all my income not sufficient to pay my monthly bill. actually is the 0% BT, i took the money and put somewhere.
with high DSR meaning you already in deepshit, then how can a bank approve your loan to pay loan.

this will help some, just pay all your credit card before end of the month, so it will show all CC with 0 outstanding balance at criss report.

Makes sense. Although I have zero loan but my month credit card repayment is more than 2x of my monthly salary. Thanks for sharing.

Approved? What is auto transfer? Mine is recommended status

dont know

i think good for you since rejected because Bank Islam Customer Services really really really bad...........

I have call more than 20 times, but no one answer call.

The system will auto end the call.

If you have question to ask, they ask you go branch.

Hi, did you manage to get the card?

Applied this card since 7 Oct and there was not a single email/call/update of the application status. Then called Muamalat call center 1 weeks+ back and lodged a Complaint about card application not being processed/entertained. Call centre called every 2 days to give status updates until someone emailed me asking for documents for submission again even though the same documents have been submitted through MAP Portal.

Status changed from Unattended to Processing late morning today and now status changed again to Recommended this evening. No idea whether this means the application is successful or not.

But what is worth to point out is the diligence of customer service team that calls every 2 days to follow up on my complaint. Really thumbs up!

I've also lodged a complain with Bank Islam since mid Sep and until now, no email/call. I've called back few times to follow up until I gave up now. So if you have credit card with Bank Islam, better wish there's no screw up with your cashback or accounts, or else you'll suffer with non existent customer service with them

Not yet. both HQ and branch status remain as recommended. applied around 2 weeks+ ago. maybe need to wait for 2 months

I applied for Bank Islam last week...they a bit sneaky cause I applied for Visa Platinum but they marked Visa Infinite and World card in the application form. Not sure when will get the card tho..

for muamalatCC, as read the comments is FB, you can only own 1 cc. who have own more than 1 muamalat cc here?

then need to choose wisely, 5% wave CB or 8% POS CB.
but for 5% wave still have no info yet it is applicable for rm250 n below transaction.

I have applied Muamalat previously, and yes, I admitted that this is a nightmare as I need to resubmit all the same documents again via WhatsApp/email to the branch staff. But, they wrote the wrong card in the form, and yes, they took my information and rewrote it into the application form and submitted it to HQ.

As for Bank Islam, I actually liked their way, even though they're still processing manually like Muamalat. So far, my CB is still accurate, after 5 months of getting the card.