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Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

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Fantasia
post Jun 24 2025, 05:45 PM

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Guys, I have an enquiries regarding credit card application rejection.

Background:

When I decided to get a car loan from Maybank early this year and I was being offered 2 Platinum cards but I declined the offer. Fast forward, I applied early this month, I applied their Ikhwan Amex card and received the card within a week time. When I applied for 2 Platinum cards shortly after, my application got declined. Upon enquiries through their customer service, they said Maybank have given all the credit limit available to my Ikhwan card and hence they cannot give me any more credit limit for new card application. She said 1 way to work around it is to appeal my application through emailing them to reduce the credit limit given to my Ikhwan Amex and use the remaining credit limit on my 2 Platinum cards.

I find it interesting as I always though Islamic and conventional division are separate entities so each will have its own credit limit. I also did not expect to exhaust my credit limit with a single card cause my UOB One (My only credit card after I cancelled my Pulic Bank Quantum) has more than twice the credit limit.

May I know if anybody encountered the same situation before?

Besides, how high is my chance will my appeal (reducing credit limit on Ikhwan) be if my nett income is just slightly higher than the minimum income for 2 Platinum cards?

Update: My application for 2 Platinum Cards was approved after I reduced the credit limit of my Ikhwan Amex.

This post has been edited by Fantasia: Jul 17 2025, 05:17 PM
Fantasia
post Jun 24 2025, 06:23 PM

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QUOTE(ClarenceT @ Jun 24 2025, 06:10 PM)
Cancel your Maybank Islamic credit line (Ikhwan CC)
Apply for Maybank (Conventional) credit line (for M 2 Platinum CC).
Convert part of credit line to Islamic (for Islamic CC).

Assume
Based on your income, Maybank GROUP may give you max credit limit RM20k.
Don't expect Maybank and Maybank Islamic to give you RM20k x2.
You may have RM15000 Conventional+ RM5000 Islamic (or any combination).
You cannot convert Islamic credit facility to Conventional.
But you can convert conventional credit facility to Islamic facility.
*
Really?! blink.gif That is very inconvenient... meaning I have to pay service tax twice for Ikhwan (RM 25 right before I cancelled, RM 25 after another new Ikhwan being issued)?
Fantasia
post Jun 25 2025, 09:57 AM

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QUOTE(ClarenceT @ Jun 24 2025, 07:00 PM)
If you really want both credit lines!

If you reduce existing credit line from Maybank Islamic, you need to apply for a fresh credit line from Maybank (Cnventional), it is not conversion, not easy to get approved unless your income is improved since last review.
*
Alright, thank you very much for your insight.

QUOTE(1mr3tard3d @ Jun 25 2025, 09:50 AM)
:lol2:
i also find it interesting that the customer service had provided a suggested solution to your enquiry and yet u r here
since they had informed u regarding the reason of rejection and proposed solution, might as well give it a try

every bank has its own assessment criteria
i agree that the credit limit granted from UOB is way too high
*
I wanted to know if the reason of for my rejection is common among other users. And I do get more insight in this forum which after all, part of the reason for the existence of forum, right? It may also serve as a reference to others when they have similar experience.
Fantasia
post Jun 25 2025, 10:05 PM

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QUOTE(nexus2238 @ Jun 25 2025, 11:54 AM)
In a sense, I think similar circumstance happened to me.

After I came back to Malaysia, the 1st cc I applied and received was Maybank Visa Signature.
Then I realised it does not suit my use case, so I cancelled it. I applied and get Alliance Visa Signature - which I still keep.

Then I get pointed to Maybank 2 Card, I applied and get the Platinum version. Maybank gave credit limit which was approximately 2x my monthly salary then.

Then later, I heard about Maybank Ikhwan Amex Platinum. I applied and get rejected, more or less the same reason as what you experience.
So I called Maybank Customer Service, reduced Maybank 2C credit limit to only RM20k, then re-applied Maybank Ikhwan Amex and was approved.
*
Your very similar experience as mine except the sequence is sort of reversed. I already emailed Maybank as suggested by the customer service and hopefully I can get it resolved soon. Worse come to wrost, I will just followClarenceT's suggestion.
Fantasia
post Jul 21 2025, 03:19 PM

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QUOTE(Duckies @ Jul 21 2025, 11:54 AM)
Ohhhh is that how it works?? I ingat can get both...
*
May be you have exhausted all the credit limit given to you. I experienced that recently. You can read our experiences

QUOTE(Fantasia @ Jun 24 2025, 05:45 PM)
Guys, I have an enquiries regarding credit card application rejection.

Background:

When I decided to get a car loan from Maybank early this year and I was being offered 2 Platinum cards but I declined the offer. Fast forward, I applied early this month, I applied their Ikhwan Amex card and received the card within a week time. When I applied for 2 Platinum cards shortly after, my application got declined. Upon enquiries through their customer service, they said Maybank have given all the credit limit available to my Ikhwan card and hence they cannot give me any more credit limit for new card application. She said 1 way to work around it is to appeal my application through emailing them to reduce the credit limit given to my Ikhwan Amex and use the remaining credit limit on my 2 Platinum cards.

I find it interesting as I always though Islamic and conventional division are separate entities so each will have its own credit limit. I also did not expect to exhaust my credit limit with a single card cause my UOB One (My only credit card after I cancelled my Pulic Bank Quantum) has more than twice the credit limit.

May I know if anybody encountered the same situation before?

Besides, how high is my chance will my appeal (reducing credit limit on Ikhwan) be if my nett income is just slightly higher than the minimum income for 2 Platinum cards?

Update: My application for 2 Platinum Cards was approved after I reduced the credit limit of my Ikhwan Amex.
*
QUOTE(nexus2238 @ Jun 25 2025, 11:54 AM)
In a sense, I think similar circumstance happened to me.

After I came back to Malaysia, the 1st cc I applied and received was Maybank Visa Signature.
Then I realised it does not suit my use case, so I cancelled it. I applied and get Alliance Visa Signature - which I still keep.

Then I get pointed to Maybank 2 Card, I applied and get the Platinum version. Maybank gave credit limit which was approximately 2x my monthly salary then.

Then later, I heard about Maybank Ikhwan Amex Platinum. I applied and get rejected, more or less the same reason as what you experience.
So I called Maybank Customer Service, reduced Maybank 2C credit limit to only RM20k, then re-applied Maybank Ikhwan Amex and was approved.
*
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