i have a question for sifu here
currently i am blacklist in the bank negara system

some bank i am doing the repayment and some still stuck w balance payment

as i need to have credit cards for my job purpose

i have the following question. currently i have the fix deposit of rm 15,000

and i would like to know whether i can pledge my fix deposit to get a credit card approval?

hope sifu here can give me some answer

Seem all here are high income resident to get those premium card such as visa infinite. May i know most of the banks judge a customer by looking at their ctos & ccris or based on their annual income document when giving out those premium cards?
I consider new to my credit record, own credit history about 1yr+ not more than 2yr.
I have made my payment on time ( second day of every statement released )
I dont have any property and car loan. Only credit card.
I check my ctos score monthly but it seem wont be increasing. I wonder why!?
I have few hundred k of fd in my main bank. But they still very strict on my credit application.

I have alliance priviledge debit card, hlb priority banking debit card. But for credit card just at platinum level. ( upgrade from gold to platinum after 1 yr usage of gold ) now only 5 months for platinum with CL not more than 20k.

I see people who doesnt have savings/fd like me still very easily get offer by bank for premium cards and easily approving. Sometime feel frustated and not puas hati. Really confuse how they judge? Hope someone giving advice here.

Thank you for ur reply, its very informative. I have mbb credit card, its just a gold card. I don have any casa with them. Main bank i using is alliance bank for my business, casa and fd. So i hope they issue me at least visa infinite card with higher CL for my emergency use, at least at a sufficient level but not only 5k/10k. This kind of CL is insufficient for enter a private hospital(touch wood). 50k is a minimum limit for a 7yrs priviledge customer like me. (The limit i wish they give me)

They issue me a gold card with 6k CL at first time. What i was think in my mind is what the heck, what can i do with 6k limit? My fd is 100x more than the limit they grant me.
After a yr of usage i reapply for addtional card and complain about the limit. I would move my fund to another bank if they don appreciate their customer. Then only they slightly increase my limit. I will request to increase limit again with my latest BE form few months later.

Will the bank able to see other application if unsuccessful?

In CIMBClicks, I can search for Lazada Credit Card if put income less than 1k, but it will not be able to click into to apply.
Is this normal? Cannot apply it online for Lazada CC?

Hi. Need help. Just wanna confirm.

I work for 9months already. Just restructured my ptptn loan last 4 months. Got car loan for 3 years. Never missed to pay my car loan.

My basic is rm 2k only. But my gross salary varied from 3.2k - 4k per month. Depends on overtime, claim etc.

Any chance for my cc application will be approved? And bank will call my company to confirm my status as their staff ka? My hr and colleague all very kepoh one. If the bank will call hr, then i dont wanna try la haha

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.

Is the free CCRIS report from BNM not enough?

how does bank count the credit limit or qualify criteria ?

example lets say pbb visa signature requirements =70k

lets say salary is basic 5000 allowance 500 = 5500*12 = 66000
property rental income = 1500*12 = 18000

Total up is 84000
which mean i qualify for it ?
but i still got car loan , house loan , ptptn etc but all pay on time

or there is other calculation around behind ?

currently is on visa gold from pbb thinking for an upgrade or cancel go for hsbc visa signature

haha , today just called public bank to cancel my visa gold card and they ask me what reason , so i say i would like to try out hsbc visa signature , after that moment later they call me back and told me that im qualify for direct upgrade to visa signature and increase my credit limit without having to clear current outstanding , wah ...so good

pls recommend weekday ccard (with no af, or 12swipes waive af) for petrol cash back, monthly usage less than rm500.

sorry, supp ccard usage also can combine with principal?

thanks, buy i boycott petronas anyway

do u mean that if i get quantum pbb mastercard + visa , i can get RM60 cash back per month + no annual fees if i swipe 12 for the next year right ?

I heard if applying at the Maybank Card Centre in 1U for example, it's easier to get approval for other ccards, if already have a ccard from Maybank.
I just found out there are these Regional Merchant Centres listed in Maybank's website for Borneo branches too.
Are these the same as the one's in 1U/Gardens?

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

hopefully the RM50 stuff won't come back anymore as this is implemented by our greedy PM najib on Budget 2010 to get more money through 1MDB and money laundering activities

oh is it? i can't google any information about government charging RM50 on credit card before 2000...
any link for that fact?

after this may have to consider to cancel few cards which are less used or with less benefits.

anyway, Rm25 is lesser than the previous RM50 tax

And

hope bank will help us, by crediting RM25 into our card
AFAIK, M2Cards is considered as one card (subject to only one service tax) when it comes to government service tax for credit cards

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