hi guys, i just started working, with salary 6.4k gross and 5.4k Net. Just worked for 3 months only. previously i Applied Maybank adn public Bank botj got rejected. But I really want a credit card as my CTOS is still 0. I need a good score since i plan to buy car soon. Can anyone suggest which Bank can easily approve credit card? should i apply for basic one or follow my salary.

I donno you need credit card for buy car. Ussually bank will see how much your EPF and savings you have.

Previously is how long? before 3 months? If you apply online previously, have you try walk in and apply?
Can start with no annual fee CC, like Maybank 2Card.

Are you working in SMB or MNC?

Wait after 6 months, then apply with the bank that your company uses for payroll.
These things cannot rush, in the mean time build up some saving deposit with the bank.

This post has been edited by metalfire: May 30 2022, 09:19 PM

you don't need credit card to buy car but you need credit card for lower interest rate for future hire purchase loan and home loan

Previously i worked for 2 months and tried to apply then got rejected maybe too early i guess. yes previously was online. maybe i will try to apply through walk in after this, will get ready all my documents.

What's the logic behind? If got credit card will get better interest rate? Not base on the applicant risk to calculate? Ayam konpius

working with MNC, fixed income. not commission earner. manager role

Go for home bank then if home bank and salary bank the same even better.

okay. good suggestions. maybe i will try this, i think 6 months will get th trust me more

repayment history. i don't have repayment history. once i got it, can get better interest rate

Started working with manager role? Fresh grad?

Citibank lah...easy approve

Aeon Credit & HSBC in my opinion.

But please apply direct instead of via RinggitPlus.

I didn't know you're allowed to troll in serous /k nowadays.

yea my sentiments too, if someone's take home pay annually is a solid 60k, all the outsource credit card agencies' salesperson will flock to your backyard with the EPF machine and a pre-approved offer letter... you do not even need to seek for guidance in kopitiam...

> 6.4k gross
> worked 3 months
> credit score 0
> applied 2 banks rejected
> MNC

are you sure you're not trolling?

i started off 3.5k at SME with history of blacklisted ptptn coz did not inform i switched university and still got my pbb card approved

you should ask the bank as they probably know more than us

Many year ago, i work on same company after about 3 years
Pay roll bank auto offer me credit card without me apply
Even postage to home, first i worry is scam
Call back cust service say not scam is real