That guy say u bs. When it come to cc public Bank is very weird keep reject one , but can't beat alliance Bank cc super low limit even thou u high income.

Lol..If I were you I say ok. I buy it with cash...Terus reject the offer go to other branch.

Actually this is one of the red flags under AMLA

When someone has very high savings /FD but still take maximum loan /HP

What is the problem? I think I had around 110k or so under FD ( money that's accumulated from monthly allowance to mom for various reasons which she then fd under our joint name). I cant remember how much money was dump into downpayment but that also included a used City sold to upgrade to this crv. Of course one would take loan instead of dumping everything into the car.

PBB is just too lansi. Even diedie also need me to signup cc when I went to sign the HP. No sign also cannot. I was in a bind back then because car agent is a cousin and on the other hand, mom wanted PBB for her personal reason. Ngam2 I had a Visa Signature at that moment and I even cancelled that right after I signed that cc form so that the new cc application confirm reject.

Your FD can withdraw anytime so the bank cannot count it as security for HP loan. Don't treat the bank as clueless.

Just apply another bank
Why must die die stick to mbb

After you get another bank, cancel mbb
After a year then come back to mbb

Well, I know it is withdrawable (it is also kept as emergency fund just in case)...but here's the thing...they had my records. My mom has only been depositing all the allowance into this account for over 10 years with zero withdrawals. I also had a previous loan for the City (that was sold) and pay off everything promptly. If they can use FD as security for credit card, why not HP? Besides you think the loan period is 9 years? It is only for 4 years. My payslip would be more than enough if the repayment is 6 years and above but mom wanted 4 years. Initially she wanted 3 years but cousin keep asking her for longer repayment (probably due to commission huh?). Even the previous car loan 3 years, the bank response also like 3 years only??, why not buy cash straight.

I can say I only got this kind of response from PBB. Topkek betul...

Those with high FD but still want max loan...

Obviously no declare tax high enuf.

Bank knows the source of money is suspicious.

Tax receipt more important than your FD.

Too bad lazada and shoppe currently support 0% instalment for MBB and Public.
Plus all my account and etc are using maybank..

Updated. Maybank system issue. Submit the CL revised form again via email and get a good amount of CL now!