During that time, BNM hadn't implemented strict ruling for applications.

that's y i always wondering, y they can direct offer me card higher than their listed min income? doesnt it need to go thru BNM also for approving?
UOB even ridiculous, i dont have their credit card(no income doc for them) i only have club card from them during apply for their club which is using the card for all the dining inside the club, subscription fee, etc. then suddenly they offer VI for me. Also another useless card...

maybe some advice for those who doesnt hit minimum req friends, apply for the cheapest FFL card, then maybe one day suddenly they offer u better card.

This post has been edited by qu3vax: Jul 31 2018, 12:27 AM

These days you can no longer apply a card without income proof.

Your 'these days' mean since when? i got offered in 2016 and 2017.

of course if you are new to a bank, all document is required and need to go thru bank's ISO for approving as well as BNM.
what about those existing customer that being offered for higher level card who didnt hit min requirement for that specific card?

You got offered because you are an existing customer.
Back in 2010 if I'm not mistaken, one cannot apply cards without incone proof anymore.
That may happen if the cards are being replaced by another card and existing users will be shifted to new tier of cards.

Anyway, nothing interesting with CIMB. I rejected their WMC when they offered me.

CIMB updates again the VI.
https://www.cimbbank.com.my/en/personal/pro...cimb_promo_tile

I still hold the Cash Rebate Master and the VI.
The CR good when travel overseas and few weeks ago, i bought an online stuff overseas and got a 2% rebate when checked online yesterday.
So the CR is still a very good card for overseas usage. VI with 5X points for overseas but I keep it for emergency usage only for the high 6 digit CL and reduced down to 5 digit recently.
Terminated the WMC and VS some time ago and switch to MBB with more frequent usage.

This post has been edited by ch_teo: Aug 2 2018, 12:23 PM

regarding this cimb VI card,
what if u spend less than 100k per annum?

8X Airport Lounge Access
to Plaza Premium Lounge*. Automatically renewed annually with minimum total spending of RM100,000 per annum.

no more lounge use?

but cimb preferred VI https://www.cimbpreferred.com.my/en/lifesty...privileges.html and cimb VI has different terms
preferred VI -> • 4x per annum for CIMB Preferred customers and enjoy unlimited access at selected airport lounges in Singapore, Indonesia, Thailand and Cambodia.

Cash Rewards for Credit Card Application [ CIMB | T&Cs ]
1 August to 31 October 2018

basically preferred has no terms and condition on spending to get the free entrance

So revised T&C means no more 0.5% CB on local spending &
1% CB on overseas spending ?

I do not even use the lounge vouchers as at now and also expired. For some maybe important but not for my my travel patterns. Was offered the Preferred VI a few years ago but i just ignore when the RM phoned in. Instead i applied the Affinity Credit card just because of membership with institution.
CIMB Affinity Credit Card
Lounge food? Hmm... went in before at Indonesia airport during transit by customer chartered flight, when see the food and how passengers touch or scoop, i avoided.
Basically, i just use my company credit card all the time whenever accepted by any merchant and eat whatever i like and at my flexible rather than restricted at lounge only certain food.
I keep the VI just for points and emergency usage with the high CL in case at hotel the company credit card could not go through when terminal is down or the company credit card CL exceeded swipe and bank late update payment status from company. Happened to me a few times, need to phone in the bank and waiting to request temporary CL increase for company CC. If one happened to catch a flight after check out, one will not wait for half hour or more waiting the stupid bank approval from the Manager, worst if it is weekends. So this bank high CL CC serves as this one emergency usage for me.
In short, find a CC suits one's spending pattern and gain the benefits from there.
Cash Rebate and VI no annual fees and both suit me.

This post has been edited by ch_teo: Aug 4 2018, 11:31 PM

Your last time is when? 2014?
Nowadays compulsory need income slip to verify one, and more strict.

Last time got apply CIMB cc before, straight away reject me without any reason..
Never mind~ Since it's reject, will never ever apply cc from CIMB again..

My card i never apply it, suddenly bank call say cash rebate card will post to your home,
i cancel it, then it post again, so i just use it,
My company salary use cimb, it is bank check those cash in and out and offer me?

My salary goes into my CIMB too.
I have one existing CIMB Cash Rebate Mastercard.
They didn't send me additional card at all!

This post has been edited by David83: Aug 5 2018, 01:11 AM

I never understand this sort of statement. As if the bank is a person who du lan you. If their card is good (not like now) why would you avoid benefiting from it just based on past rejection? Banks are not girlfriends.

Last time wanna apply cimb card through cimbclicks online. After submit the document, straight away reject..
Got call to cimb reason to reject (maybe it's insufficient document or others), they just say "We cannot disclosure the information the reason of reject for apply credit card".

And I inquiry them I submit the document to CIMB you all, impossible cimb cannot disclosure to customers?
I just don't understand why cannot say since I submit doc...

It's a practice across all banks cannot share rejection reason. Probably to avoid applicants from manipulating documents/details during re-submission.

What you mean manipulating documents/details?
Is it you means do the fake documents/details?

If so, I guess bank will auto detect whether it's real or fake one. Unless you tell me don't check the detail from BNM for verifications..

Probably. It was just my guess.

Just telling you it's not CIMB only, it's across all banks have such practice. Full stop.

Every bank/financial institution will not disclose the reason, this is not unique to CIMB.

No way to 'auto-detect'. The only automated system they use is CCRIS, if you're clean there they just take your documents at face value normally if no other red flags. Which is why they don't disclose, let's say you're just at threshold for a certain ratio, when they disclose that then majority of cases will be resubmitted in 6 months ngam ngam meeting whatever ratio it is.