Never ever deal with sotong bank

Means cannot afford CC before 30yo

Use “record too clean” as excuse. As if everyone in this world started owning first CC by pledging FD

Tak mampu just admit

Hardly use over my salary per month, onky one time near hit limit, becuase buy new PC

i saved more than RM30k by the age of 30. still all banks reject me. until i am forced to pledge FD.

I work at sg.

No kwsp at malaysia.

No lhdn record....

No housing or car loan.


Thats why bank now only follow ctos..

Nowadays no loan record hard to get card

save RM30k doesn't mean bank will approve your CC application

at least think about what are the criteria to approve CC, if you are in bank's shoes

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







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


Do you think cimb bank will approve my new credit card?

i dont know

i just know that my infinite has been approved without pledging FD

if you work in sg and unable to get CC approved in msia, then better go 14th floor

This post has been edited by NEP1971: Apr 12 2024, 01:48 PM

Which year do you get your first credit card?
How much credit limit of infinite card?

After that you success?

nowadays so hard to apply for CC already? before i work in sg i apply for, ocbc, hsbc sc, citi (now uob) & mbb and my salary is not even high just avg earner for all for free gift haha.
now i still have those card.

in sg i got citi and ocbc cc becoz of switch and ipad free gift lol. after that i m gonna cancel them and apply for next 1 after 1 year.

I think because I never work at malaysia....

No car loan and housing loan
PTPTN paid 1 time off.

So ctos and Ccris is zero record.

Should you obtain Singapore PR before applying for a Singapore bank credit card?


Now bank is very smart.
You want to get free gift must spend first.

It appears that there's a requirement to spend at least $600 within two months of receiving the credit card to qualify for free gift

This post has been edited by plouffle0789: Apr 12 2024, 04:25 PM

hahah ringgitplus always give free cash.
I everyyear apply 1 card. (2nd year now)
rm800 free every year

yes

May I know which bank credit card?

Which bank credit card?

Me pledge 5k only they approve, but if normal way kenot

Cimb bank platinum btw

i see ppl with clean record might be abit hard.

u can apply as foreinger in sg with valid working visa. and the spending ya, usually 500 within a month the card is approved.
so i will pay first during lunch or dinner for my kolik to quickly reach 500. if not u go ntuc buy something and buy voucher to reach 500 also can, the voucher can use next time.

When i was 24yo, visa infinite with maybank that time. Many years back.

Cant remember the limit that time. Around 30k? 40k? Somewhere there.