which bank has the lowest EPP %  ?

Maybank

0% interest with 0% upfront

Correct me if I'm wrong. 

which bsn plan?

1st time with them for BHP card, bad and slow application. that was back in 2018.

since then, i believe they've improved the card application process. During MCO, their staff contacted if wanna apply card/FD/services. So, i took the opportunity to apply the VS card as backup to Quantum Visa.

now, i'm asking the staff again to add Duo cards.

I just went to the nearest branch last 2 weeks and give their assistance branch manager some lectures because of their poor queue system... 3 counters, only one serving. Another 2 act very busy. One counter took 1hr to serve one customer.

No give queue number at all and someone cut my queue. I can't accept when saw people cut my queue after long waiting .

After settle all. They call me the next day, told me my NRIC photocopy blur I say I can send them the softcopy via WhatsApp so no need to take the time to visit your branch. Officer say cannot. They need to get my data from my IC.

The next day when I ready to drive, received call again say no need already. HQ accepts the 'blur' photocopy.

     

I'm existing Affin card holder. Recently applied another card, VS through email. First time file size was too large, so I split into several emails. Each time I get the acknowledgement message. No email reply from any officer or even acknowledgement that application is being processed. After about 2 weeks, got call and sms informing card approved.

All these was before Duo card, I think Affin will be over whelmed... haha

opening a topic is easy. being a TS is another matter.

we need new member to manage a new topic; and since you're applying, how about you apply for TS role?

Yes, I have a lot. More than 20 pieces.

Already passed to the Affin staff. Nice man. Said my application result to be known by this week. Got a free umbrella!

Dear members

We have recently approved the TS application for the Affin Duo cards and do join me in congratulating alandhw in his new role.

The thread for Affin Duo cards will be up once TS is ready with his content. Do give your support to the new TS.

Some banks like the applicant having "1" instead of full "0".
They can make more money if a debtor pay late penalty and additional interest/charge, but not >="3" - NPL.

Without earning late payment charges from users, they cannot sustain more benefits.

I'm trying to apply for credit cards more than 10 times w different banks.
Also trying to get personal loan to stabilize my financial.

I'm working right now
Monthly gross income 2500MYR
A software engineer
Age 23
IT experience 3 years++
Start working in IT at 2017
I have motorcycle loan (inprogress)

I'm very sad that I couldn't get any credit cards 😢, please help me.

CIMB quite strict, UOB is known for easy approval. So if CIMB rejected you, you can only scratch your head and apply next time. If UOB rejected you, you better think what is wrong with your credit report.

Alliance is the only bank that has ever rejected my cc application 

I heard lah they are one of the hardest to get. Recently their visa cards just revamped, filled in my info on their website, no news till now.

What is the welcome gift ?

Without FD but income is greater than required, any agent?

I requested to reduce the CL for all my cards, some as low as just 5k as not using the card.