I don't have anymore baki tertunggak and already prepaid 18 months ahead, last tried applying new CC in April is still rejected. Coming Oct will be a year, let's see how it will fare that time. Not urgently looking to add cards as my current cards are kinda sufficient for my usage.

I was referring to PTPTN. We were talking about PTPTN.

Had to cancel my Maybank Visa Signature card cos they imposed annual fee and my spending did not meet the minium requirements cos I only use that card to milk the cash rebates for petrol and grocery.

Maybank also knew that so they refused to give waiver.

Nowadays I have to look for cards that says upfront no annual fee or annual fee waiver with xtransctions

Hello, newbie here. Is there any requirement such as 1 year loan (car or housing loan) before you can get a credit card?
Because I recently applied for a credit card, but both banks rejected me.
Fresh graduate here and I just started working for 5 months.
May I know which bank does not have such strict requirement because I am not getting any loan anytime soon?

RM 36,000 Annual income, fulfilled both bank criteria. The only reason they gave me is I do not have any credit history.

hi. i want to buy a bike. price is RM15K. which one is the best way to buy installment? personal loan or AEON ? gross salary 2.8k. i can allocate rm500 a month.

nope, it will be charged on you following anniversary year, eg. you applied and activate the card on Mar 2016, it will be charged on Mar 2019 together with annual fee (if any)

No, u can cancel anytime u want.. it is not like those CASA that will hold ur minimum balance if u close account within certain months.. so, no minimum period to cancel any credit card in Malaysia.

Unlikely. As EPF statement has contribution both from Employee and Employer. I supposed you can only contribute as either party.
You may consider pledging Fixed Deposit as collateral for the credit card you are interested, though.

No supporting doc is the issue 😓

cybpsych, I read a bit about the BT, doesn't really seem to match my requirement.

Also, it have minimum transfer value.

Let's say I change my question.
Can I use my debit card to pay off my credit card?

Thank you for replying.

May i know which bank accept FD to get a card and which card?

I tried looking at the second and third post for answer but to no avail.

If i apply for a temporary increase of the credit limit, how long can i enjoy the credit increase? Is ot possible to perform BT with the temporary credit limit?

Hi..Wanna ask is it cancel credit cards procedure will be so troublesome? Cos nid to cut down abit...Too many cards...lol

Thanks guys

Wanna ask, assuming i have applied balance transfer and every month i need to pay RM1K for 6 months. At the same time i utilized another rm1K on the card itself. So by due date i need to settle rm2k. But if say i only paid rm1k, how will the interest be calculated? Since the interest on the balance transfer and the credit card is different right?

guys wanna ask, if i apply for a supplementary card for my younger brother and put under his name.

if every month use and pay on time, can he build credit score that way?