CCRIS can print from BNM, there are kiosks for it. Free.
CTOS, via 3rd party and I'm not comfortable to proceed with them so until today I do not know my scoring.
Well, to me CTOS is to check blacklisted, bankruptcy and all.

Yes, I supposed but CCRIS maybe more important if you are not blacklisted on bankrupt.

To avoid fraud cases... However, I managed to get them turn on for me permanently. It is still in effect until today but not for new users who call in now.

This post has been edited by fruitie: Apr 19 2017, 07:34 PM

Gross.

Yes but they will still consider gross income.

I always put 0.

I will apply tomorrow and will fill in honestly for my PTPTN loan and car loan.
Luckily no issue for my Maybank cards, maybe I just added cards and not new cardholder.

Actually a few are still having both and no, combined cash back. If it allows, many (me inclusive) would have applied for Gold aa well.

Can apply during off working hours and collect anytime after that.

Nope. Ikhwan has the highest rejection of all cards. That's why we shared tips how to get this card in Ikhwan thread.

I suggest you post in this thread: https://forum.lowyat.net/topic/4161836

Auto-debit you have to arrange yourself because card no. is different.

Mine was automatically deactivated.

If you have cash back, still worth to use credit card.
Just to share your experience with China's scene since I travel there quite often, big cities like Beijing and Shanghai have no issue of accepting overseas credit cards but 2nd tier cities onward like Chengdu, Chongqing have issue recognizing our cards and most of the time, they will not accept our cards.

I use AliPay and WeChat Wallet most of the time if I'm in China or use my ICBC debit card.

I did use before AmEx in Beijing for few times, usually in a western restaurant or international merchants.

They accept Malaysia credit cards. ICBC issued in Malaysia, next time will apply for China bank accounts in my next trip. May go to Guangzhou next month, well let's see.

Exchange rate: https://forum.lowyat.net/topic/1845691
AmEx will have higher exchange rate compared to Visa or MasterCard but if it has cash back and 5xTP, I think it is still more worth it.
Anyway, I'm a hardcore plastic card user, will prefer plastic card over cash.

Err.. That low only RM 64? You need to consider exchange rate and additional fees.

Click on "Rewards" in M2U.

You shall see on your M2U soon.

Yes, only for AmEx.