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

Was just wondering, for local banks like (HLB, AM, CIMB etc...), do they automatically permanently increase the credit limit without proof of income, or do you need to walk in to the branch and apply manually and submit supporting documents?

Meanwhile, for foreign bank, I manage to get a few permanent increases without submitting proof of income.

I never ever get automatic CL increase, both local and international banks alike

Which foreign banks?

Uob

The keyword is "automatically." You mean the foreign bank that you hold will increase your CL automatically?

Got a point there... not quite automatica, still have to respond to their SMS😅

RM0 UOB: Get higher credit limit up to RM xx with no documents required if your employer is unchanged for the last 24 months & have no non-bank debt. Reply "UM4" by 31Oct25 to apply. By replying, you declare that the above is true and agree to the T&C. Search "ND1" for more info and T&C.

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!)

Not praying for an auto increase.

I am wondering for local banks, is it likely they will offer you like (UOB) or its more likely you have to walk-in and apply?

I have my [insert reasons] to ask for high limit and I am aware the banks have their reasons to give it or otherwise.

Ok by invitation.

This post has been edited by MGM: Nov 4 2025, 01:49 PM

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 to check. Under CCRIS report. I saw "application of credit" for bank muamalat. Does that mean, my CC application is approved? or just the indication of I am applying for the cc?

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.

My eccris status shows pending but i have received the Muamalat VI card in my mailbox. Delivered last week but i just noticed a black envelope this morning. Waiting time 2 weeks ++. Maybe they havent updated the eccris record

This post has been edited by blibala: Nov 5 2025, 08:42 PM

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

Eon VI?

Yes

So the 5% paywave cb really has no min spend or catogery? From application to card delivery is how many days?

This post has been edited by Human Nature: Nov 6 2025, 11:52 AM

This is what I am concerned about as well; I can use this card to fuel car (plan to let go of the Shell Card ASAP).

cb still cap at RM50 right? if you are a heavy usage of petrol, can keep as spare card