Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed
10 Pages « < 5 6 7 8 9 > » Bottom

Outline · [ Standard ] · Linear+

 How long the CIMB credit card will reach house?, CIMB PETRONAS Visa Infinite-i

views
     
NEP1971
post Apr 4 2024, 08:24 AM

New Member
*
Junior Member
12 posts

Joined: Feb 2022
If need to pledge FD to get CC, it means you cannot afford it
TSplouffle0789
post Apr 4 2024, 08:26 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(pgsiemkia @ Apr 4 2024, 08:23 AM)
My brother dulu gaji >5k, applied pon dapat. He surprised cos ctos score low but ccris all clear, no outstanding loans. No FD.

I never apply but have <RM1 mil housing loan also they send free plat card. I send back, cut in pieces.
*
What is his age at that time?

Which bank?

What I know is you have housing loan,they will send you credit card
funnyTONE
post Apr 4 2024, 08:27 AM

certified /k/ oldfag
*******
Senior Member
2,949 posts

Joined: Apr 2006
My ccris score is low, but I manage to apply CIMB eCC.
Maybe that one easy to approve.
TSplouffle0789
post Apr 4 2024, 08:28 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(NEP1971 @ Apr 4 2024, 08:24 AM)
If need to pledge FD to get CC, it means you cannot afford it
*
I believe that Bank Negara and CIMB Bank are currently imposing stricter regulations. I have never owned a credit card before, nor have I taken out car or housing loans. Currently, I have RM 80,000 fixed deposit in CIMB Bank.

The pledged fixed deposit is only RM 3,000, resulting in a credit limit of RM 3,000.

I am 32 years old. It's worth noting that many individuals under 35 declare bankruptcy due to unpaid credit card debts and high levels of debt in Malaysia.
NEP1971
post Apr 4 2024, 08:32 AM

New Member
*
Junior Member
12 posts

Joined: Feb 2022
QUOTE(plouffle0789 @ Apr 4 2024, 08:28 AM)
I believe that Bank Negara and CIMB Bank are currently imposing stricter regulations. I have never owned a credit card before, nor have I taken out car or housing loans. Currently, I have RM 80,000 fixed deposit in CIMB Bank.

The pledged fixed deposit is only RM 3,000, resulting in a credit limit of RM 3,000.

I am 32 years old. It's worth noting that many individuals under 35 declare bankruptcy due to unpaid credit card debts and high levels of debt in Malaysia.
*
If your credit limit is based on FD pledged instead of income, means that you cannot afford it and you are amber heard pledge pledge pledge
pgsiemkia
post Apr 4 2024, 08:44 AM

Casual
***
Junior Member
473 posts

Joined: Dec 2009
From: Timbuktoo
QUOTE(plouffle0789 @ Apr 4 2024, 08:26 AM)
What is his age at that time?

Which bank?

What I know is you have housing loan,they will send you credit card
*
Title cimb, mesti-la sotong bank. Depends on which housing loan, not all applicants will get. Heard many also denied by sotong or rimau even hsbc which gives out a lot of houding loans.
kons
post Apr 4 2024, 08:50 AM

Конс
Group Icon
Moderator
6,181 posts

Joined: Oct 2004
QUOTE(plouffle0789 @ Apr 4 2024, 08:16 AM)
Now already almost 1 year.
My CIMB Cash Rebate Platinum credit card, which was applied for in May 2023, now has a RM3000 fixed deposit tied to it.

If I want to withdraw the fixed deposit, I must cancel the credit card.

Do you think my new normal credit card, which is not tied to a fixed deposit, will be approved?

I use the CIMB Cash Rebate Platinum Credit Card almost every month and pay it with 1 month.

I plan to apply for the CIMB PETRONAS Visa Platinum-i.

Can I use the Ctos score to determine rate of success ?
*
if u pledge fd for it, ctos score is irrelevant...
Medufsaid
post Apr 4 2024, 08:51 AM

Look at all my stars!!
*******
Senior Member
3,497 posts

Joined: Jan 2003
QUOTE(plouffle0789 @ Apr 4 2024, 08:16 AM)
Now already almost 1 year.

...

If I want to withdraw the fixed deposit, I must cancel the credit card.
*
im also like you. Lived a life too clean. Had to pledge FD for cc @ the age of 30 as I never had cc or loans.

After 1 year, I applied and got a regular cc. And then I cancelled the pledged CC (since I can't unlock the FD without cancelling it)
TSplouffle0789
post Apr 4 2024, 08:53 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(NEP1971 @ Apr 4 2024, 08:32 AM)
If your credit limit is based on FD pledged instead of income, means that you cannot afford it and you are amber heard pledge pledge pledge
*
See below comment...


Age 30.



Record too clean.


im also like you. Lived a life too clean. Had to pledge FD for cc @ the age of 30 as I never had cc or loans.

After 1 year, I applied and got a regular cc. And then I cancelled the pledged CC (since I can't unlock the FD without cancelling it)

This post has been edited by plouffle0789: Apr 4 2024, 08:54 AM
Medufsaid
post Apr 4 2024, 09:08 AM

Look at all my stars!!
*******
Senior Member
3,497 posts

Joined: Jan 2003
QUOTE(plouffle0789 @ Apr 4 2024, 08:16 AM)
I plan to apply for the CIMB PETRONAS Visa Platinum-i.
*
also try to apply for a regular "Classic" or "Gold" credit card. most important is to migrate away from pledged CC for now. if you can get visa platinum-i, then good for you. but you need a plan B
TSplouffle0789
post Apr 4 2024, 09:11 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(Medufsaid @ Apr 4 2024, 09:08 AM)
also try to apply for a regular "Classic" or "Gold" credit card. most important is to migrate away from pledged CC for now. if you can get visa platinum-i, then good for you. but you need a plan B
*
The Petronas card requires a RM 24,000 salary requirement. Both the Gold and Classic cards also require a RM 2,4000 salary requirement, so they should be the same.


You suggest me apply 2 card at the same time?

This post has been edited by plouffle0789: Apr 4 2024, 09:12 AM
Mixo Mania
post Apr 4 2024, 09:29 AM

Getting Started
**
Junior Member
81 posts

Joined: Feb 2019
Nowdays bank simply give out credit card. Hardly need pledge fd, unless you’re those own business self employed and don’t declare tax type of person.
TSplouffle0789
post Apr 4 2024, 09:35 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(Mixo Mania @ Apr 4 2024, 09:29 AM)
Nowdays bank simply give out credit card. Hardly need pledge fd, unless you’re those own business self employed and don’t declare tax type of person.
*
Yes.I work in sg.

So malaysia no need fill any tax.

Every year fill zero...

Maybe because of this....

Bank do not simply give credit card to me.
fantasy1989
post Apr 4 2024, 09:36 AM

Look at all my stars!!
*******
Senior Member
4,707 posts

Joined: May 2008
QUOTE(plouffle0789 @ Apr 4 2024, 08:15 AM)
Now already almost 1 year.
My CIMB Cash Rebate Platinum credit card, which was applied for in May 2023, now has a RM3000 fixed deposit tied to it.

If I want to withdraw the fixed deposit, I must cancel the credit card.

Do you think my new normal credit card, which is not tied to a fixed deposit, will be approved?

I use the CIMB Cash Rebate Platinum Credit Card almost every month and pay it with 1 month.

I plan to apply for the CIMB PETRONAS Visa Platinum-i.

Can I use the Ctos score to determine rate of success ?
*
apply other bank credit card ..get it approved first then only cancel
TSplouffle0789
post Apr 4 2024, 09:50 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(fantasy1989 @ Apr 4 2024, 09:36 AM)
apply other bank credit card ..get it approved first then only cancel
*
Some people said the pledged credit card will make my ctos score as no record also...

So if i apply other bank,other bank cannot know my cimb bank credit card history....


Better apply cimb bank?
Bananahead
post Apr 4 2024, 09:52 AM

Getting Started
**
Junior Member
57 posts

Joined: Feb 2023
QUOTE(PJng @ May 23 2023, 12:48 PM)
Don even apply CC, CIMB auto give without apply
Salary using CIMB
*
QUOTE(Chanwsan @ May 23 2023, 12:49 PM)
If need to apply means low keras customer so they take their sweet time. If offer then hari ini offer semalam dah approved
*
Only get offer if you use that bank for monthly salary crediting. And the threshold is very low, last time my pay only 3.5k, already they paksa me accept the credit card.
Maybe TS is not using CIMB as his salary crediting account.
TSplouffle0789
post Apr 4 2024, 10:03 AM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(Bananahead @ Apr 4 2024, 09:52 AM)
Only get offer if you use that bank for monthly salary crediting. And the threshold is very low, last time my pay only 3.5k, already they paksa me accept the credit card.
Maybe TS is not using CIMB as his salary crediting account.
*
I work at sg.

Not work at malaysia

This post has been edited by plouffle0789: Apr 4 2024, 10:03 AM
achong09
post Apr 4 2024, 10:06 AM

Regular
******
Senior Member
1,280 posts

Joined: Nov 2016
QUOTE(plouffle0789 @ May 23 2023, 12:38 PM)
Now already almost 1 year.

I believe that Bank Negara and CIMB Bank are currently imposing stricter regulations. I have never owned a credit card before, nor have I taken out car or housing loans. Currently, I have RM 80,000 fixed deposit in CIMB Bank.

The pledged fixed deposit is only RM 3,000, resulting in a credit limit of RM 3,000.

I am 32 years old. It's worth noting that many individuals under 35 declare bankruptcy due to unpaid credit card debts and high levels of debt in Malaysia.
My CIMB Cash Rebate Platinum credit card, which I applied for in May 2023, currently has a RM3000 fixed deposit pledged to it. If I decide to withdraw the fixed deposit, I must cancel the credit card.

Do you think my new normal credit card, which is not linked to a fixed deposit, will be approved?
I use the CIMB Cash Rebate Platinum Credit Card almost every month and pay it with 1 month.

I plan to apply for the CIMB PETRONAS Visa Platinum-i.

Can I use the Ctos score to determine rate of success ?
*
wah got 80k in FD. kaya lo
Medufsaid
post Apr 4 2024, 10:07 AM

Look at all my stars!!
*******
Senior Member
3,497 posts

Joined: Jan 2003
QUOTE(plouffle0789 @ Apr 4 2024, 09:50 AM)
Better apply cimb bank?
*
i pledged RHB cc. applied UOB cc after 1 year

previously before pledging, all banks instant reject me
QUOTE(achong09 @ Apr 4 2024, 10:06 AM)
wah got 80k in FD. kaya lo
*
banks follow weird rules. they don't check you actually have tons of FD. they just care CTOS score. or if CTOS score doesn't exist

This post has been edited by Medufsaid: Apr 4 2024, 10:09 AM
JimbeamofNRT
post Apr 4 2024, 10:08 AM

the Original Lanji@_ Chicken Rice Shop Since 2002
******
Senior Member
1,902 posts

Joined: Sep 2012
QUOTE(plouffle0789 @ May 23 2023, 12:38 PM)
Now already almost 1 year.

I believe that Bank Negara and CIMB Bank are currently imposing stricter regulations. I have never owned a credit card before, nor have I taken out car or housing loans. Currently, I have RM 80,000 fixed deposit in CIMB Bank.

The pledged fixed deposit is only RM 3,000, resulting in a credit limit of RM 3,000.

I am 32 years old. It's worth noting that many individuals under 35 declare bankruptcy due to unpaid credit card debts and high levels of debt in Malaysia.
My CIMB Cash Rebate Platinum credit card, which I applied for in May 2023, currently has a RM3000 fixed deposit pledged to it. If I decide to withdraw the fixed deposit, I must cancel the credit card.

Do you think my new normal credit card, which is not linked to a fixed deposit, will be approved?
I use the CIMB Cash Rebate Platinum Credit Card almost every month and pay it with 1 month.

I plan to apply for the CIMB PETRONAS Visa Platinum-i.

Can I use the Ctos score to determine rate of success ?
*
topkek

u go public bank better lah wei

low level money launderer ah u?

This post has been edited by JimbeamofNRT: Apr 4 2024, 10:08 AM
« Next Oldest · Kopitiam · Next Newest »
 

10 Pages « < 5 6 7 8 9 > » Top
Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0214sec    0.78    5 queries    GZIP Disabled
Time is now: 17th December 2025 - 04:02 PM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.