try here

Yes but they will still consider gross income.

After that, they will ask about your monthly commitment.

I always put 0.

For PB, they separate into two: bank related and non-bank related.

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.

Oh okay, then I will just go there and redeem my points...
Possibly a luggage weight scale...

Maybank CS told me they don't block actually. I found out that it was due to Paypal + Amex + RM = NO GO. Other than this, all online payment has no issue with Amex for me. Provided Amex is accepted.

I also worked in SG.

List of Credit cards applied within 3 years:
1) Citibank Cashback Card Platinum: Unsuccessful due to convert currency
2) Maybankard 2 Platinum: Succesful without documents due to have car loan with Maybank
3) HLB Wise Gold: Successful with documents
4) Citibank Cashback Card Platinum: Unsuccessful again due to convert currency
5) Maybankard 2 Platinum (Supplementary): Successful
6) Public Bank Visa Signature Platinum: Unsuccessful due to convert currency despite have FD with Public bank
7) MB Islamic Ikhwan Platinum with Supplementary: Unsuccessful due to holding Maybankards and convert currency
8) Ocbc Live Great Platinum with Supplementary: Successful with documents
9) SC Just 1 Platinum with Supplementary: Successful with documents
10) SC Cashback Gold with Supplementary: Successful without documents

Documents:
Payslip
CPF Contribution History
Malaysia IC
*Company Employer Letter (Prove u working in this Company)
*SG Bank Statements

* for Maybank and HLB

This post has been edited by lil_flank: Apr 20 2017, 08:47 AM

You should redeem the voucher and use the voucher to buy the stuff, more cheaper I believe

I didn't give them CPF and enployment letter. Haha

Ohh.. Most of my application requires the CPF contribution history.

Am I right to say that it's "cheaper" to accumulate Air Asia BIG points and to purchase flight tickets compared to Enrich Miles?

Enrich miles only can be accrued effectively if you have a M2P.

Using M2C to accrue seems expensive tbh.

Air Asia BIG is cheaper but how many destinations can you go?

Enrich can give you sit business class to London, can AA miles do that?

Assuming spending numbers are same, enrich is basically more worth it albeit the cost. AA is cheaper but limited destinations?

I did not follow up on AA points as I accrue only air miles for enrich.

Finally see some improvement on local bank...

1) Approve on APP, either click approve or decline
2) Use secure TAC (refer to my photo), before u perform tranction u already got code
3) SMS TAC need wait and wait




This post has been edited by jiaen0509: Apr 20 2017, 11:38 AM

Still, getting TAC from SMS faster. Using secure2u need unlock your phone and open the app...

Yup... Because SMS need $

Yeah, still a fan of SMS TAC. CIMB has the Secure TAC pretty long ago but I don't use it because it's more of an inconvenience to me.

Secure TAC or TAC on Mobile?

Secure2u, authentication on Maybank App