good news. So for difff cards, will have diff credit limits? Or combined limits?

alright thanks!

A no0b question....
If the card expiry says 04/23, does it mean it can be used until end of the month (in this case, 30/04/2023), or cannot be used on 01/04/2023 onwards?

I see, well that's a relief. Was worried might not get the card in time before the expiry. Thanks!

Applied for StanChart card earlier this month, but got rejected. A bit surprised, as I am well over the minimum requirement - only problem is that I already have two other CC with two different banks. Could this be the reason? Or that my two other CC already have high credit limit?

Even so, I am a good paymaster for both cards (insofar as paying the more than the minimum).

eCCRIS okay. Earning way more than RM36k/annum. Just a thought: both my cards have high credit limit. Could this be the reason?

Combined is about 1/3 of my annual income.

I have a hunch that my application was declined on technicality. Like they tried to call HR but no one picks up (many of them are still WFH), or when they checked my payslip, it doesn't look legit (which is also a possibility, coz ours look like A4 paper prinout unlike the usual payslip printed on thermal paper). oh well.... Anyways, not sure if there's an avenue to appeal to SC, or will just re-attempt later the year..

The StanChart requires payslip or EA form, or EPF statement. So I used payslip lor. If they came back asking for more documentations, I'd gladly give it to them.

Do I need to have an account ( be it savings / current account ) for me to be eligible to apply for bank's credit cards?

OK. & if application is successful, is one obliged to open savings / current account with the bank?

Good to know. But out f curiosity, would not having an account with the banks affect my chances of getting my card applications approved ?

Requested for temporary credit limit increase, with the reason for travel/hotel bills. Successful. But question is.... Would the increased amount can be charged for this purpose only? Like for specific merchant for fuel (e.g. Petronas, Shell), hotel bills (Sheraton, Hyatt) or it is does not matter? It is Maybank Petronas Visa.

This post has been edited by watabakiu: Jun 23 2023, 02:33 PM

Thanks both! Coz I worry I can use it for specific matters only. It is true I have upcoming trip (and with this slump MYR rate) worry that I would need to use more than CL. But sked I can't use for, say, food, groceries.. Anyway, Temporary only, will pay once i got reimbursed

This post has been edited by watabakiu: Jun 23 2023, 02:53 PM

How would settling Personal Loan impact one's chance of getting CC? Better or no impact? I think la hor, it should be better because the debt to service ratio is lower?

Do I need to call the bank to allow me to make card transactions while I am overseas? I need to travel overseas, and worry my card cannot work. I am using Maybank

I need further help on this. So let's say on a 10k outstanding balance....


Islamic CC:
Month 1 | 10k purchases = 10k
Month 2 | No purchases and no payments made = 10k outstanding x 1.5% interest = 10,150
Month 3 | 10,150 still?

Is my calculations correct?