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.

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.

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

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

yes fresh grad. yes manager role. yes 6k gross salary. it may sounds like I am lying but it's true. it took me months to study the company and the interview. out of few thousand people only less than 10 people are selected. so yea i qm not lying

which part in here I troll? please tell me

weird I didn't receive any. that's why i need guidance

mind telling me how did tou apply? how much saving you have, epf and you work for how many months before you apply?
yes I am not trolling. I am serious. why do you think I am trolling? If I troll why am I desparate to get credit card and yet got rejected?

sounds hard to believe but it's true.

i got thinking of doing thia as well but the pledge FD need ro to be the same with the credit limit. it's quite a lot for me

I will try this. thank you for suggestions.

I think if working for 3 years already, sure bank will trust you, they will offer you CC. but I am only work for 3 months. the requirements to apply CC is 3 months but bank finds it hard to trust me and it's hard for them to offer me CC

I will try the FD method like suggested by other members.
sorry okay, I am not trolling. if you don't want to help you don't have to, I have googled and find YouTube, no answer, this is my 2nd place to ask.

Listen guys. A few members here though I trolling. If you don't want to help, you don't have to. I just need and honest oppinion and help from people who serious helping me. I know it sounds weird for someone who new to work can be a manager and big salary. But it happens. people prioritise knowledge more than experience. I studied so hard for this. so please, I am not trolling. if you don't want to help just don't reply.

nah bro. since 19

no. with degree of only