Newly work without EPF statement is hard to apply anything.
- No EPF statement to tally with your working / income ability.


Ask officer whether can put FD in the bank & apply Credit Card.

Short term solution, just use Debit card since you have so high salary.



High % you are trolling in serious /k

You are member of lowyat forum since what age?

This post has been edited by Aftermaths: May 31 2022, 10:24 AM

You start surfing lowyat forum since age 13?

So now your age is 28 with master / phd?