most banks accept non-MY salary for cc application. but CL will be 1:1 ratio.

your other income may be supplemented together with your SG salary slip during card application.


as for rebates, what kind of rebates? post in this topic https://forum.lowyat.net/topic/4161836 using template from post #2.

yes you can do early settlement

call bank to do it, they will release all the balance into the card account and you pay accordingly.

mgmt fee, iinm, it's already charged upfront.

not sure about early settlement. ask the bank about it.

if you're asking this question, then the answer is obvious lor

i updated it yesterday after gotten another reminder from cimb

the form filling is more to "getting consent", rather than "getting info"

your default details already pre-filled. you just need to input email and TIN.

after input your TIN, it's still pending "verification" stage, which also means it still need to cross-ref with LHDN or something.

read the news and the SST lor ... it's been all over the news since yesterday


someone gotta decipher what affected.

roughly from the news.... "Service tax will be imposed at a rate of eight per cent on fee- and commission-based financial services, but several key exemptions will remain in place.."

“Basic banking services for the rakyat, including current and savings account-related charges, will remain exempted from service tax for both conventional and Islamic banking services,”


The public to look out for communications from their respective banks that will be published via the banks' official channels for further details.

----
// As part of the SST expansion on financial services, the implementation will be carried out in phases.

For Phase 1, effective 1 July 2025, the following CIMB services and its corresponding fee/charges which previously were
not subject to SST will now be subject to the 8% Service Tax:-

Debt Markets – Arranger/Facility Agent Services
a) Arranger/Facility Agent Service Fee
b) Agency Fee
c) Administrative Charges

Other financial services provided by CIMB will be subject to the 8% Service Tax in subsequent phase(s), unless specifically
exempted. //

https://www.cimb.com.my/content/dam/cimb/pe...sion-faq-en.pdf

https://mysst.customs.gov.my/industryguides



This post has been edited by cybpsych: Jun 27 2025, 09:06 AM

got, refer in BT topic https://forum.lowyat.net/topic/3918057

not weird

probably their user base is small, there's no urgency/need to have multiple statement cycles (which requires addtional resources to run extra job)

interesting, can share which islamic card? to which takaful?

suggested by ideaplus last month

no need new topic until more solid info and larger user base available.

also, why would you think this card get get POS Malaysia 8%?

it's another muamalat card, unrelated to eon card (which is "mistake info")

yah damn annoying.

no manual form too , online submission unattended

yesterday I called them an escalated due to no response for 1week+ (per their initial advise)

now they submitted report for internal escalation and follow-up

Bank Rakyat has also introduced a P-Circle co-branded Mastercard Credit Card for Perodua customers. With this credit card, you can enjoy 5x reward points for petrol and EV Charging transactions, and there’s no annual fee.

Bank Kerjasama Rakyat Malaysia Berhad

Main Features:
Exclusive card for teachers under Ministry of Education (MOE)
5% cashback on transactions at petrol station, stationery, bookstores, and hotel

Additional Features:
NO Annual Fee.
FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000). Coverages includes guaranteed financing payment of outstanding finances accrued through Credit Card-i usage.
NO Mark-Up Rate for overseas transactions.
Bank Rakyat 0% Installment Plan for retail purchases of RM1,000 & above.

my status already "HQ Recommended" since mid Oct. not sure what it means. already esclated into report yet still no action taken.

still nobody contacted me for verification or requesting additional doc or whatnot.

really hopeless. not putting any faith nor more effort to chase. if gotten card in the mailbox, bonus. if not, no big deal.

normal la, due diligence to know your source of income and repayment capability.

dont need to pray for automatic increase.

banks nowadays are very very careful in increasing CL. the risk to the cardholder is higher and potential litigation is also high (eg bank auto-increase CL, user overspent without knowing CL, failed to pay then blame bank for not stopping the transaction/CL too high because auto-increase by bank without consent!)

actually it doesnt matter on the likelihood. what works now may not work later anyway, as policy changes from time to time.

if you want to increase perm CL, then submit request to increase as normal. banks will need to (re)evaluate your financial health.

just started

Application For Credit:
- Pending: Pending decision by financial institution.
- Approved by FI: Approved by financial institution and accepted by customer.
- Pending Acceptance by Customer: Approved by financial institution but pending acceptance by customer.

dont think bank updating ccris record on real-time basis, for ALL their customer base.

if possible, try contactless/wave >RM250 (later with pin validation)... see can get cb or not