so, how about a Balance Transfer? How is the credit score if I transfer outstanding amounts from Bank A to Bank B?

I have one idea. Since some Banks offer 0% of BT, I can transfer some outstanding amounts to that particular Bank and use those amounts (amounts that are going to pay off) to invest in another tool to earn some interest. But if this approach affects my credit score, then things would be different.

In fact, I have a plain background and no loan on hand, so it is very hard for me to apply for CC since I have no credit history in the past 12 months. I just recently have one or two CCs after trying many Banks. I am going to build up my credit history by using CC wisely. I might probably need to buy another house, so I wish to have a good credit score. I would rather not take the risk if BT affects my credit score.

Do you have some ideas for me to build up my credit history and good credit scores?

Thanks in advance.

I doubt there is a method/way to perform this transaction.

This post has been edited by ideaplus: Feb 13 2025, 05:16 PM

Bank Islam Visa Platinum - I (Auto Debit - Great Eastern)

I noticed there is another card called Xclusive Explorer, and its benefit more or less the same; only the QTY of PPL is 5

Does Affinbank is hard to apply increase limit?
I want to apply Duo+, but the lowest limit must be 12k and above
I applied 6 months after I received my DUO visa, which was rejected, so I think maybe it's due to the card being less than 1 year old.
However, I re-applied a few days ago, which was almost a year later, and I was still rejected.

My income is more than enough, and I have provided sufficient documents. Moreover, I have had no late payments for Affinbank since I started using their card.

This post has been edited by ideaplus: Jul 31 2025, 09:00 AM

Aeon

So far, my GE has no problem with the auto-debit, and yes, I'm not Muslim

Yes

I asked a banker from Bank Mualamat, and he said this bank's processing is quite slow, plus this is a new card, may takes 4-6 weeks after submitted the documents.

Not recently, but yes, there will be one officer contacted via WhatsApp

The keyword is "automatically." You mean the foreign bank that you hold will increase your CL automatically?

This is what I am concerned about as well; I can use this card to fuel car (plan to let go of the Shell Card ASAP).

Enough for my fuel usage

For my case, NO

I thought is above RM250 only need to key in the pin