Hi, just an asking. Will it be affect my scoring if u submit multiple application from CC?

True, mean it always depend on your CL and see which bank approve first and taken the limit right?

But if at the moment no CC, applying multiple CC and see which ones are successful makes sense. If not kena all, 1 is good enuff. And since there is lapse in reporting to ccris, banks would not know abt the multiple applications until later.

Card sifu, lets say my credit limit is rm5000 and I wanna swipe 1 item priced rm8000. Before I swipe I fews day before ibg 4k to my card account can that transaction go throught or will get decline? Will I get charge for excess credit limit fee ?

Thanks.

Hi guys!

New credit card user here. Started using credit card since last month (Feb).

So, I received my first credit card statement last month (Feb) totaling around RM300. I've paid the amount in full on early March. Today, I received March credit card statement and there is still the RM300 listed in the previous statement balance. Shouldn't it be 0 if I already paid it in full?

Going through the March statement transactions, I noticed there is RM300 credited in the card around early March. So, probably I've paid the RM300 to the card instead? How should I go and correct this? A bit confused here.

Thanks.

Anyone have any ideas why banks reject my applications?

1st - CIMB, rejected when my income was 24k p.a (2 years ago).
2nd - Applied for PB Quantum, rejected when my current income is 40k p.a

I did missed a few payment on PTPTN loan. But I've already cleared all PTPTN loan more than a year ago. I'm debt free, no car loan, still CC-virgin.

What should I do? I'm totally lost.

I'm still confused with this frankly - statement balance & outstanding balance

I've always settled my credit card outstanding balance before the due date, or on the date itself. But the statement balance has increased. And I've tried paying the statement balance, only to find it never getting to 0. Yes, I've read the other responses saying it'll never be 0.

Then how do I explain this to myself.. If I settle all outstanding balances, before the due date, why does my statement balance keep increasing?

And now, when I need to replace 1 of my cards, they're saying I've to settle outstanding plus statement balance?

Something doesn't feel right..

In other counties you tick a box on your application when you choose a credit limit.
Appreciate any further thoughts on this.

For paywave, which is more proper @ wave it ourself at the terminal or pass our card to the cashier to wave.on our behalf? Thanks.

Hi all,

I received 2 new credit card (visa & master card) yesterday which i did not apply from public bank. This happen after i sign the car loan 2 month ago. On that time i remember the officer didn't ask me to sign any credit card application form.

My question is how can bank employee signs me up for a credit card without my permission? Have anyone encounter this kind of issue before? Any advice?

Hmmm this is getting frustrating. Ive applied 3 times already for the maybank 2 cards, and all 3 were rejected. Im currently using ikwan petronas and ikwan. Ive reduced my CL prior to the 3rd application. But still got rejected.
Emailed to ask the reason but theyre really slow in responding.
CL at 10k, but BT of 7k atm. Is this the cause? My ccriss all 0
Would my high commitment be the reason? Currently 80% of reported income.
Need to wait another 6months. Geezz

I wonder once SST is back, if this will also bring back the Government Service Tax for credit cards. RM 50 for each card just like previously, the only difference is I have added like 20 cards over the years.

During those time I only had M2Cards and OCBC Ti. If it really happens now, I'm basically doomed and have to let go many cards.

hi, i wanna ask a few questions :
I'm 20 this year, I'm thinking to apply a credit card when I'm 21.
1. currently I'm a student, so I was thinking is it possible to contribute EPF(assuming my monthly "salary" is 2.5k)  through my parents' sole proprietor/sdn bhd company as a WORKING STAFF until i'm 21 then apply the CC? the salary slip can be easily reproduced using the company letterhead. note that i cant apply supplementary card from my parents cos they had bad CCRIS record. so far i have 0 commitments

2. what are the documents required when applying my first credit card?

If I'm still in my first year of working meaning I still unable to declare my income tax, what's the chances that I'll get rejected due to not having the income tax documents? My savings account has high credit/debit transaction traffic so I guess that would be helpful?

Just a minor question about card security.

I have a SMCC credit card and it offered selfie embled as security measure. Need opinion about this. Is it more secure than signature?

I'm considering between these 2 cashback credit cards - HSBC Amanah MPower Platinum Credit Card-i or Standard Chartered JustOne Platinum MasterCard - but can't decide between the two.

Has anyone use the above cards? Can advise which is better option?

Hey guys, is it possible that my current few credit card limit too high... thats why i cant get other banks card? If i lower the limit i can register other credit card from other bank?

Will be single swiping over RM 3k soon for workshop car repair, which card is the best for rebates for occasion like this?

I want to request for a credit limit increase on my mbb2c.

Should I reduce the credit limit of my other bank CC before requesting MB for an increase?
Would it make a difference?

Asked a few banks earlier today since I was aligning the statement dates of my cards. According to them, credit limit is based solely on that individual bank.

So requesting a decrease of credit limit on Bank A's cards does not affect the chances of an increase in credit limit at Bank B's cards.

Only applying for additional Credit Card will the overall credit limit among all banks be counted.
hmm.. Did you hear differently from elsewhere? am I missing something?