If annual income <RM36k, max credit limit is 2x monthly income.
If annual income >RM36k, it is up to the credit card issuers but foreign-owned banks are more generously giving high credit limit. However, you can always request to reduce approved credit limit to your comfortable level.

Tried applying few years ago but got rejected. Nothing interesting especially credit cards are not main mode of payment in China.

I just received a call too and coincidentally I'm in KL this week (I'm usually working from home in Seremban), so she will drop by at my office to meet me.
I also told her I wanna apply Visa Signature and she said OK.

My card delivery is in Seremban but I think she is in KL, not sure but since she said can come and meet me, why not.

Yeah, it's genuine. She's coming later, I need it for my dining since MACH has discontinued.
Yes, I have a lot. More than 20 pieces.
I think they need to do it for biometric verification. I applied via online only, you can try too.

Is it something odd? I also got free umbrella and Starbucks card when I applied for AmBank cards in two occasions.
Mostly utilise, I only apply cards which are useful for me. I have both with AF and free AF for life but so far haven't paid any AF.

Anyway, the Affin person came to my office area to take my biometric verification for EPF statement. Result will know in a week time and another officer from CC department will call me. No SST rebate for duo cards but VS has RM 30? Not sure if I heard it correctly. I was rushing for my appointment so only updated about it now. No umbrella for me, maybe because I didn't go to the branch? Regardless, I'm happy with the service.

I don't apply all at once, so just apply whenever I need. I don't think there's any cooling period to apply any card. For cancellation and re-application may require 6 months of cooling period.

i tried to apply for OCBC credit card but someone called me and say all applications are put on hold. is that normal? wonder when it will resume the application

My utilization rate is pretty high and thank God, banks still approve me.

Ello sifus, if my card application got declined,

1) How long does this record held on CCRIS?

2) Does it automatically cleared off or I need to contact BNM to have the record erased from CCRIS?

3) From your experience, if apply another credit card, the chances of getting it approved will be slim? (Let's say the record of declined application is still on CCRIS)

Hi guys, heard some bank now wont approve business owner credit card application. Any of you guys have this experience?

Would like to know if the credit limit reflected for a credit card application in the ccris will be the credit limit offered if the card is approved? The application status is still pending.
Cos when i check my ccris, i see that application record with credit limit although status pending