Easiest way is to pledge FD for a credit card. Pretty much confirmed lulus one.

If all else fails, you could try pledging FD for a credit card. Hong Leong/Affin has a pretty low entry requirement (2k FD minimum iirc) and Maybank has 5k if you want the M2Gold cards. Other banks have different pledge requirements and tiers. Those are the ones that I know of.

It doesn't make a difference unless you go over 1/3 of your credit limit at month end because that's when the banks report your outstanding balance and your scores update. Whether it's zero or 1/3 of your CC limit, it's the same thing basically. I've already tested this out.

I was subbed to Experian for a year when they had a cheap RM15 promo or some shit and tracked my credit score every month just because I was curious. 0 and 1/3 balance literally has no difference. I used to pay off everything on the statement date and then realized I was wasting my time when my score didn't go up or down either way. It did dip quite a bit when I went over at month end but it also recovered the month afterwards so there's no long term effects. Also a CC alone is not enough to boost your credit score. You need other forms of debt which I didn't have so I was stuck at around a certain level even with zero outstanding and full payments on time every time. The credit score doesn't really mean much here unlike the US so I really don't see the point of anally zeroing your debt at month. You're better off rolling the money as long as you pay it off before the due date.

Yes, that's correct. Banks report the total outstanding at the end of the month, so even if your Due Date is on the 11th for example but your utilization is over 33% then your credit score will drop. They don't care if you pay it all off before the Due Date. A higher Credit Limit is better if you intend to use it pretty often compared to say a 10K Credit Limit where you spend 4-5k every month before paying it off.