Just a question here.

My partner wants to apply for maybank cc, she is an expat and have salary only rm6,000 would she be able to apply one? Currently she has one cc from cimb. And with that salary what is the cc limit shes gonna get?

Can we request to temporary deactivate my cc so that i dont need to pay annual fee for that card?

I am going oversea for few years so will not use the card, but dun feel like want to permanently cancel the card.

The card is hlb mach. Since i am noy using the card, cannot fulfill 12 swipe per year.

Hi, may i know whether the credit card application would be subjected to my DSR/CCRIS records?

This is because I'm worried that due to my very high DSR I'll not be able to be successful in my cc application. I have two other credit cards, but I have been paying my credit cards bills and all other relevant loans in full. I just wish to get another card to fit my requirements so that I can maximise my savings. Appreciate the feedback..

How do they determine how much credit you're allowed when applying for new credit cards?

Hi, is there any maximum cc limit to hold? Because I read some cardholder's comments failed to apply some cards due to holding many cc even though annual income more than RM36k.

Noted and thanks. Kindly advise the way to pay PTPTN by credit card I wonder if my Essential will give cash back on that. Not sure if it is the right place to ask here.

Hi. I have owned credit cards for a few years but never actually understood how the interest is calculated.

From Maybank website, they say that they charge it based on the 12 previous month repayment habit. Does it mean on the 13th month's balance itself, they start to charge the monthly interest?

What If for 12 months, we just pay minimum payment. So the interest is calculated at the end of 13th month correct?

I never withdraw such huge amount and also i stay at pj.. 
The credit card itself is with me all the time..

 

Hmm.. Thanks for the reply guys.. Guess i have to visit maybank tomorrow afternoon.. hope that i don't need to pay for that=="

Does ezypayment/installment affect the CCRIS?
I just know BT does.

Guys, my current salary consists of basic salary + production incentive, but the incentive does not affect EPF, but affect Income Tax.

To apply credit card, I'm required to fill up my annual income. Should I include my incentives or just my basic salary?

And my incentives vary every month, depending on the output production. If I need to include, should I take the current average and multiply by 12? (I have not worked for a full year yet)

Hi, thanks for reply. I don't know, my friend did this. She said slowly RM50 RM50 pay. I told her the interest is high, not worth for not paying full.

Is OCBC 365 credit card annual fee easy to waive?

Ic. Isn't it 365 got 3 years annual fee free?

I did not remember I get charged for annual fee for the past few years until now.

I recalled last time I got charged annual fee for titanium card, yes they did not waive it but then the cso that time recommended me to change to this card and cancel the titanium one instead.

just checked ocbc website, indeed titanium has no annual fee. Then I seriously forgot why I got this 365. Maybe because of that time new card and has 1% for first rm1k so I applied.

Had called ocbc to request for waiver, if really cannot waive then no choice but to cancel it then. But ocbc card credit limit is very high as compared to other bank. Will be wasted if cancelled.

Maybe I should apply for titanium first before cancelling this one.

Hi, i ever seen a post about monthly income 2k+ only can apply for 2 maximum credit cards. However i am having 3 credit cards from HLB. Is it possible to apply for another bank? or i have to cancel the other 2 cards from HLB first.

This interesting , some card need high pledging FD but some people do not  required that high credit amount  for credit card can i  know why they  need so high amount ?

Can i have one card in one bank another card in a different bank can they approve ?

I understand abit here, can i keep my money in my credit card and earn interest as while  ? So then i do not need have many bank account for safety reason

Just want to ask, if I have a cash back credit card, do I still get reward points from spending with that card?