what is your basic salary? try use ringgit plus to apply for your CC, they can suggest best CC with your salary/commitment and help u apply for it. no need to fill in form, just use chat in whatsapp.

Seeing that you have 0 record also mean you're untrustworthy.

This is a scenario of
"I don't know you, even my friends don't know you, im not willing to give you money because nobody can vouch for you"

Classic "chicken and egg" scenario.
You need to have a credit record to get a credit card but
You need credit card to build credit record.


But honestly Maybank Gold CC is actually one of the easiest.

Also they also check your bank statements, if all the time by end of the month only left RM1.00 then hard to justify approval

I want that Maybank 2 Reserve card. Can pledge FD or not??

eh, how to access this record? Can find this online?

I having the same experience a few years back. It is because the record is too clean. You need to have something like a car loan or any credit card history.

For me, I have no problem obtaining both Maybank and Public bank Credit Card, probably because I used to have both Maybank and Public bank debit card for years.
I having trouble to obtain Citibank, HSBC and CIMB though, I have called them up and they mentioned that the lack of credit record.
Citibank require you to work in a Public listed company of having a loan for at least one year before you could apply.

My 2 cents, apply the same bank as the one in your debit card or Apply UOB bank, they are pretty lenient.

This is not about butthurt, but you posting information that is downright wrong.

Please provide a link to prove your point, not what you and CS discussed.

typical entitled millennial

salary only 24k want to have PB cc?

Your thread should be in the joke section

Go post in CC thread and let the senior teach you a thing or 2

Bang, kasi chan sikit la. To his credit, he posted this in serious kopitiam... he’s entitled to a response with a modicum of leeway, surely?

If one bank reject you , just move on to another. If you have the requirement, bank would definitely want your business.
Years ago i applied for RHB bank plat master and they rejected me, after 6 months apply again but ticked gold card and rejected again. My salary and company payroll is also at RHB. My credit record is definitely clean and never had any problem.
So i went to MBB and got myself a plat visa card on hand in less than 3 weeks. Today i have almost all major banks cards but still dont have RHB because never bother to apply from them again lol.

This looks like no record at all. Had you have previous loans or other CC? Working for how long rd?

Not sure about you, but my CC in Maybank got approved very easily though it is kinda basic

Also, in 2015, BNM have tightened the rules for issuing credit cards, especially the premium/platinum ones by raising the minimum income limit and a bunch of other stuff. Reason being is that they want to limit the indiscriminate practice of banks simply issueing CC to ineligble people in their eyes. Like plat card for someone who earns only 24k a year

I have given my answer to why his cc application rejected.

I dont need to prove my point. I dont win or lose anything.

TS die die want answer from "bank staff" but open thread here.

TS keep saying other ppl are bullshitting.
He is also bullshitting that his salary is "well above" 24k.
I saw the other thread he opened. His salary is "barely above" 24k p/a.

So TS please stop your bullshit.

Can close thread.

How old are u?
What card are u applying for?

This post has been edited by WaCKy-Angel: Dec 9 2019, 08:25 AM

Public bank is more conservative. Last time I buy car using their HP loan, the loan agent help me apply a CC on the side, they also reject. That's right, they can loan me tens of thousands to buy a car but can't trust me with a CC.

Meanwhile, Citi gave me two cards not long after I got my first job which I am still using until now.

This post has been edited by dares: Dec 9 2019, 08:36 AM

i think that is only for priority banking/priv banking.

250k FD?

how to petition for something that already exist la

i did that 5k fd pledge credit card thing from maybank while i was a uni student (w/o guarantor), have been using the same card since 2014 and recently uplifted the fd since got enough for the cc to be backed by pay slips

so its either BNM regulations became more strict until apply cc is as difficult as making loan or face problem la

What I hope/want for a change is that we could follow the U.S system by implementing a secured credit card system, Public Bank forces RM25,000 FD to pledge for a card.

Nonsense! The barrier to entry is to high, Citibank is another bank that has a "Clear" FD Pledge clause stated in their T&C but no other banks have clear cut T&Cs.

Cause in the U.S, you can even have a $200 credit limit for a secured card

Did you apply directly at the bank, or at those bank roadshows with their somewhat aggressive salespeople?
Like some said, a clean record may also be a factor in your application, as the approving bank may not be able to determine if you're a good enough paymaster, on top of the stringent rules BNM has imposed.
Then again, with these credit card sales people, who seem to get incentives for every approved applicant, may also be a "game changer" for you.

Wait... those credit card sales people do get incentives for every approved applicant they signed up, right? Do correct me if I am wrong.

I got cards from Major banks, HP loan, House loan.
Yet, since when I started to apply for PBB Cards in 2015 every 6 months, I have never succeeded.

your pledge is usually the credit limit. Assuming this is practiced by PB, that means the card that they are willing to offer is a 25k limit card. I dont know what have changed over the years since 2014, but i know most banks' entry level card are fd-pledgeable for the simple reason that pledging is provided to cater for the foreigners working in malaysia that cannot apply for cc

i think u can read more at genxyz's website on this

also a high entry level for credit is ALWAYS good because way too many malaysian default their cc payment, which eventually lead to bankruptcy and this affects the country's economy

in any event, having a written lean-based fd pledge system is good and all, but realistically speaking bank always have legit reason to reject cc application. They wanna make money and they always asses your risk profile so make money. If you get rejected by most banks, it simply mean that maybe you should not be getting 1 yet.

Btw, side note, why not try those 4k limit entry level cards, they are less strict than the standard 5k cards

I agree, but opposite of what you think - it's way too easy getting a credit card and crazy limits and get into credit card debt hell.

Banks need to tighten down credit card approvals to reduce national debts (or it's people, if you're going to be specific)

Or in other words PBB guai lan

I would think that car different because they got better chance recovering the loan as you're doing hire purchase where else credit card, if people default, that's it.

Small fries their lawyer fee also cannot cover so they rather just let go.