Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 Nov 20 2017, 12:56 AM
Show posts by this member only | IPv6 | Post
#601
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Staff
72,820 posts Joined: Sep 2005 From: KUL  
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QUOTE(watabakiu @ Nov 20 2017, 12:54 AM) That's good to know, thanks! will give it a try soon. just got my application with maybank rejected, so scared this will impact my chances of approval Well, any missed payment with PTPTN? |
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Nov 20 2017, 10:16 AM
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Senior Member
3,838 posts Joined: Sep 2013 
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recently my credit card applications all rejected, namely by mbb hsbc citi pbb. wonder if there is an unsaid limit on how many cards per person? because the card applications that were rejected are low basic cards whereas i have vi and etc cards with other banks already. no outstanding with other ccs or loans, always paid in full.
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Nov 20 2017, 12:17 PM
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(HarpArtist @ Nov 20 2017, 10:16 AM) recently my credit card applications all rejected, namely by mbb hsbc citi pbb. wonder if there is an unsaid limit on how many cards per person? because the card applications that were rejected are low basic cards whereas i have vi and etc cards with other banks already. no outstanding with other ccs or loans, always paid in full. Your salary below 36k p.a.? If yes, you only can hold credit cards from 2 issuer banks only.Please see below FAQ: https://www.citibank.com.my/english/citi-la...new-measure.htm This post has been edited by realitec: Nov 20 2017, 12:21 PM |
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Nov 20 2017, 12:21 PM
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Senior Member
2,318 posts Joined: Dec 2012
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QUOTE(HarpArtist @ Nov 20 2017, 10:16 AM) recently my credit card applications all rejected, namely by mbb hsbc citi pbb. wonder if there is an unsaid limit on how many cards per person? because the card applications that were rejected are low basic cards whereas i have vi and etc cards with other banks already. no outstanding with other ccs or loans, always paid in full. Advise you to check your CCRIS report.QUOTE(realitec @ Nov 20 2017, 12:17 PM) Your salary below 36k p.a.? If yes, you only can hold credit cards from 2 issuer banks only. Dont think so is below as he mentioned holding VI. |
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Nov 20 2017, 12:23 PM
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Senior Member
2,934 posts Joined: May 2017 From: Labuan Federal Territory
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QUOTE(SzeMeng76 @ Nov 20 2017, 12:21 PM) Advise you to check your CCRIS report. Yea right, probably CCRIS report, otherwise can appeal and ask them to review as he met the requirement.Dont think so is below as he mentioned holding VI. |
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Nov 20 2017, 12:30 PM
Show posts by this member only | IPv6 | Post
#606
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Senior Member
3,838 posts Joined: Sep 2013
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QUOTE(realitec @ Nov 20 2017, 12:17 PM) Your salary below 36k p.a.? If yes, you only can hold credit cards from 2 issuer banks only. Please see below FAQ: https://www.citibank.com.my/english/citi-la...new-measure.htm QUOTE(SzeMeng76 @ Nov 20 2017, 12:21 PM) Advise you to check your CCRIS report. Dont think so is below as he mentioned holding VI. QUOTE(realitec @ Nov 20 2017, 12:23 PM) Yea right, probably CCRIS report, otherwise can appeal and ask them to review as he met the requirement. yes my income certainly over 36k p.a. alr hv cards from 6 banks at this point. Thanks guys, will request ccris from bnm.This post has been edited by HarpArtist: Nov 20 2017, 12:30 PM |
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Nov 20 2017, 12:34 PM
Show posts by this member only | IPv6 | Post
#607
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Senior Member
3,838 posts Joined: Sep 2013
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I forgot to mention, could age be a factor? I'm below 25.
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Nov 20 2017, 11:22 PM
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Junior Member
179 posts Joined: Apr 2010
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Dear all,
How many credit card can a person own ? Now myself have 4 from 4 different bank. Saw an ads from Ringgitplus with goody & tempted to apply again. Attached thumbnail(s) 
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Nov 20 2017, 11:31 PM
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All Stars
26,528 posts Joined: Jan 2003
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QUOTE(taiko8148 @ Nov 20 2017, 11:22 PM) Dear all, answer belowHow many credit card can a person own ? Now myself have 4 from 4 different bank. Saw an ads from Ringgitplus with goody & tempted to apply again. QUOTE(realitec @ Nov 20 2017, 12:17 PM) Your salary below 36k p.a.? If yes, you only can hold credit cards from 2 issuer banks only. Please see below FAQ: https://www.citibank.com.my/english/citi-la...new-measure.htm |
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Nov 20 2017, 11:46 PM
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Junior Member
179 posts Joined: Apr 2010
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QUOTE(Human Nature @ Nov 20 2017, 11:31 PM) answer below Thks for your answer but if a person earn more than 36K ? Can apply or there's a limit set by BNM ? |
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Nov 21 2017, 12:13 AM
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All Stars
26,528 posts Joined: Jan 2003
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QUOTE(taiko8148 @ Nov 20 2017, 11:46 PM) Thks for your answer but if a person earn more than 36K ? Can apply or there's a limit set by BNM ? no limit as long as the bank approves  |
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Nov 21 2017, 12:17 AM
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Junior Member
179 posts Joined: Apr 2010
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QUOTE(Human Nature @ Nov 21 2017, 12:13 AM) no limit as long as the bank approves Aha... many thks... |
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Nov 21 2017, 03:01 PM
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Junior Member
373 posts Joined: Oct 2014
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Quick question:
We are only allowed to apply for cc from 2 different banks if salary is less than 36k p.a. What if, our salary is more than 36k p.a. and we hold cc from say 4 different banks but then we were retrench and now not earning anything. Do we need to surrender all cc or reduce to 2 banks cc? |
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Nov 21 2017, 03:04 PM
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All Stars
26,528 posts Joined: Jan 2003
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QUOTE(JamesBotak @ Nov 21 2017, 03:01 PM) Quick question: No requirement saying soWe are only allowed to apply for cc from 2 different banks if salary is less than 36k p.a. What if, our salary is more than 36k p.a. and we hold cc from say 4 different banks but then we were retrench and now not earning anything. Do we need to surrender all cc or reduce to 2 banks cc? |
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Nov 22 2017, 09:46 AM
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Senior Member
858 posts Joined: Nov 2011
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Question:
BT, consequences, will I still able to use C.C. once i made BT? |
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Nov 22 2017, 10:21 AM
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Staff
72,820 posts Joined: Sep 2005 From: KUL
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QUOTE(eligible @ Nov 22 2017, 09:46 AM) Question: Yes, provided you still have credit limit.BT, consequences, will I still able to use C.C. once i made BT? |
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Nov 22 2017, 10:26 AM
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Senior Member
858 posts Joined: Nov 2011
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QUOTE(fruitie @ Nov 22 2017, 10:21 AM) Yes, provided you still have credit limit. should i get myself into BT since i'm paying it monthly (700) total oustanding for 3 cards = RM8k |
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Nov 23 2017, 06:23 PM
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Senior Member
2,361 posts Joined: Feb 2008
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QUOTE(fruitie @ Nov 19 2017, 04:13 PM) They can refund to your credit card, it will be shown as credit payment. Ok Thanks |
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Nov 23 2017, 08:26 PM
Show posts by this member only | IPv6 | Post
#619
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Senior Member
1,573 posts Joined: Oct 2015
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QUOTE(JamesBotak @ Nov 21 2017, 03:01 PM) Quick question: i think the requirement only applies when applying?We are only allowed to apply for cc from 2 different banks if salary is less than 36k p.a. What if, our salary is more than 36k p.a. and we hold cc from say 4 different banks but then we were retrench and now not earning anything. Do we need to surrender all cc or reduce to 2 banks cc? |
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Nov 23 2017, 08:28 PM
Show posts by this member only | IPv6 | Post
#620
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Senior Member
1,573 posts Joined: Oct 2015
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QUOTE(fruitie @ Nov 20 2017, 12:56 AM) Well, any missed payment with PTPTN? no, but long long time ago got PL with ocbc. but long time cleared already. sigh, dunno la, maybe the banks' risk appetite now not high |
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