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

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TSplouffle0789
post May 23 2023, 06:12 PM

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QUOTE(cloudwan0 @ May 23 2023, 04:53 PM)
nothing to do with FD lah
more on your credit rating and profile
if you have apply CC before it should be fast, if you have no product with CIMB, then will be hard
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Just now staff show me application progress

Priority is low

No wonder lah

11 working days edi.Not yet approved

I request she help me change to high

She said she will try her best
TSplouffle0789
post May 23 2023, 06:13 PM

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QUOTE(cloudwan0 @ May 23 2023, 04:53 PM)
nothing to do with FD lah
more on your credit rating and profile
if you have apply CC before it should be fast, if you have no product with CIMB, then will be hard
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Cimb itrade stock account


Last year i still play stock

Also quite big amount

Never consider?
TSplouffle0789
post May 23 2023, 06:52 PM

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QUOTE(MrBaba @ May 23 2023, 06:45 PM)
CIMB got one express approve one , 1h can get the card . Last time I apply online keep fail , walk in express( klcc )  approve one , 1h can get card dy and they give me higher limit . Funny right even thou both  channel pun same cimb .
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You have any house loan and car loan?
TSplouffle0789
post May 23 2023, 09:56 PM

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QUOTE(samjet @ May 23 2023, 09:07 PM)
It is actually a green colour card. Not black colour as advertised
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That one is platinum


Infinite is black

This post has been edited by plouffle0789: May 23 2023, 09:58 PM
TSplouffle0789
post May 23 2023, 10:00 PM

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QUOTE(marukopi @ May 23 2023, 09:58 PM)
Check status, normally after 2 weeks got inside ccris.

But be prepared to be bombarded by their marketing team after you received the card
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Because you tick the box on aplication form
TSplouffle0789
post May 23 2023, 10:35 PM

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QUOTE(samjet @ May 23 2023, 10:06 PM)
ayam already applied and approved and received, thats why i know
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You hidden your card number and name.

Please post photo here.

I want to see your infinite card in green colour


Or your platinum card in green colour
TSplouffle0789
post May 24 2023, 12:46 PM

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QUOTE(kons @ May 24 2023, 09:21 AM)
how much fd you pledged?

i believe if you put 100k or more, the application should be approved almost immediately.

last time i put 200k for 12 month in cimb, they invited me to join preferred banking.
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She inform me today need to put 40k.

But rates only 3.1 %

Cannot do online


Now online 3.95 %



I declined..
Just do not go airport lounges lor

This post has been edited by plouffle0789: May 24 2023, 12:51 PM
TSplouffle0789
post Apr 4 2024, 08:15 AM

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QUOTE(fantasy1989 @ May 24 2023, 09:26 AM)
seems like
after snap ads photo only realized petronas is hijau ..so pour some hijau mixer into it  laugh.gif
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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 ?

This post has been edited by plouffle0789: Apr 4 2024, 08:15 AM
TSplouffle0789
post Apr 4 2024, 08:16 AM

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QUOTE(kons @ May 24 2023, 09:21 AM)
how much fd you pledged?

i believe if you put 100k or more, the application should be approved almost immediately.

last time i put 200k for 12 month in cimb, they invited me to join preferred banking.
*
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 ?
TSplouffle0789
post Apr 4 2024, 08:18 AM

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QUOTE(TheEvilMan @ Apr 4 2024, 08:16 AM)
Dunno the application process cos all my cc is offered by the bank sad.gif
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May I know which bank's credit card you have?

This post has been edited by plouffle0789: Apr 4 2024, 08:18 AM
TSplouffle0789
post Apr 4 2024, 08:19 AM

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QUOTE(TheEvilMan @ Apr 4 2024, 08:18 AM)
Kenot disclose sked dox

» Click to show Spoiler - click again to hide... «

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Ok.

Can we decrease the credit limit?
TSplouffle0789
post Apr 4 2024, 08:26 AM

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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.
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What is his age at that time?

Which bank?

What I know is you have housing loan,they will send you credit card
TSplouffle0789
post Apr 4 2024, 08:28 AM

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QUOTE(NEP1971 @ Apr 4 2024, 08:24 AM)
If need to pledge FD to get CC, it means you cannot afford it
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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.
TSplouffle0789
post Apr 4 2024, 08:53 AM

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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
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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
TSplouffle0789
post Apr 4 2024, 09:11 AM

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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
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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
TSplouffle0789
post Apr 4 2024, 09:35 AM

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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.
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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.
TSplouffle0789
post Apr 4 2024, 09:50 AM

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QUOTE(fantasy1989 @ Apr 4 2024, 09:36 AM)
apply other bank credit card ..get it approved first then only cancel
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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?
TSplouffle0789
post Apr 4 2024, 10:03 AM

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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.
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I work at sg.

Not work at malaysia

This post has been edited by plouffle0789: Apr 4 2024, 10:03 AM
TSplouffle0789
post Apr 4 2024, 01:01 PM

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QUOTE(JimbeamofNRT @ Apr 4 2024, 10:08 AM)
topkek

u go public bank better lah wei

low level money launderer ah u?
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I work at sg.

No kwsp at malaysia.

No lhdn record....

No housing or car loan.


Thats why bank now only follow ctos..
TSplouffle0789
post Apr 4 2024, 01:06 PM

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QUOTE(Medufsaid @ Apr 4 2024, 11:24 AM)
i saved more than RM30k by the age of 30. still all banks reject me. until i am forced to pledge FD.
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Nowadays no loan record hard to get card
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