Is it hong leong bank RM2000?
Any other bank ?
Lower than that? Like pledged 1k

This post has been edited by Zoo Howl: Feb 23 2024, 12:32 AM

FD card? or Fixed Deposit?
HLB Fixed deposit minimal is RM1k

Pledged FD for credit card

Even for a cat killer this is new low

Your record so koyak until need to pledge FD for basic card?

It has reincarnated

u need to talk to agent for that. 1k is too low.

i think most people do like 10k, 20k.
50k and above for the vi.

Maybank 15k many years back

5k for maybank

Done it tried it.. but is 10 yrs ago la.. dunno still same 5k or not

whats FD card?
btw, which bank has the best FD rates now?

This post has been edited by O-haiyo: Feb 23 2024, 08:12 AM

Zhuhao daxian just pledge bopi bopi la

Why need to pledged FD for credit card??

yea, curious about FD card also.



PBB fresh fund FD is offering 3.85% per annum

UOB is offering 3.7% per annum

this is what i noticed recently.

https://forum.lowyat.net/topic/4828858

old post in 2019, pre-covid.

easier to get without much hassle.

in fb cc discussion groups, most people get rejected after 1st time, but second time they pledge fd through agents, and the application is approved

Lol what? Are you foreigner TS?
I only heard my foreign friend doing that on their first year of working after graduation

Curious, these pledge fd are maturing monthly or 3 months, etc?

usually 6 months and up

Credit Card also need to pledge FD, that is pretty low for /k standard.

Bad or unknown credit history

cannot be record too clean meh


Its just like normal FD just cannot withdraw only. Want withdraw need to cancel the card.

2k also enough. The credit card limit is how much is the FD deposit

HLB Sutera Platinum Card ? Do all abuse then can earn free money around RM300 permonth hehehe

I keep on getting banks calling, giving me credit card.
6mth interest free loans and credit cards - can get luggages, free use of airport lounge, cash back, and etc.

Btw FD pledge gets interest? how much?

just try other bank ..somemore ask for basic card only

unless he have unknown income which is not justifiable


if have valid recurring income but clean record also cannot get ..then how freshy get their card?

and if TS is rich enough with clean record ..he wont be asking what is the "minimum"

This post has been edited by fantasy1989: Feb 23 2024, 10:00 AM

Yes. but board rate instead of special rate

hlb min rm2k

https://www.hlb.com.my/en/personal-banking/...ed-deposit.html

like my bro-in-law, kerja sendiri so no payslip. and yes he successfully got the hlb card.

U mean cashback right?

Only hlb has the lowest right?

Same like mine, no credit history and bank doesn’t approved
Tried with HLB, MBB, AEON, Alliance, Affin
All give same reason: record too clean, work less than 1 year at Malaysia
Even though my payslip is T20 with EPF statement and PCB.


In the end one of blue one agent contacted me, asked me to try CIMB

After 1 week, approved 🙄

This post has been edited by cuddlybubblyteddy: Feb 23 2024, 11:05 AM

Sutera dont hv cashback , it earn x8 points then redeem pin topup and cash out the money

Tng right? Is it easy to accumulate the x8 points?

I was thinking sutera / wise / essential

cimb also can 2k iirc

TNG hv bug to turn nontransferable to transferable , thy know the bug but dont1 fix it then charge 1% cc topup to earn from ppl who abuse it too

What Ur bro in law name
I want report lhdn run tax

How to do it

Cant reveal , the game can keep goin if less ppl know . U can try search harder on internet c got ppl teach ornot .

Lol

why want lower? CL will follow FD balance. If just rm1k CL, better just use cash/debit

did i say he run lhdn tax?

This post has been edited by erry-: Feb 23 2024, 12:18 PM

No pay slip not excuse kenot applying cc even if own businesses

When apply using all docs required still get rejected, the only way is pledge FD or become priority cust.

Even u already have maybank conventional card for 10 years then apply maybank islamic card also can get rejected la

Two times failed even with 20% above minimum per annum income thats why go for secured CC first only then manage to apply for unsecured CC