1. apply the bank ur salary goes in
2. work for awhile(not sure how long, maybe a year?), work few month people dont believe u
3. keep some cash in the saving acc bank that u want to apply. no saving at all people dont dare to let u have credit .

0 saving in the bank you want to apply , i also scare to borrow u money.
EPF, ptptn all contribute . then the rest is wait