Better to apply by walk in Maybank or apply online?
What does that mean with AI Req: 36K, Graduate 30K?
American Express® Cards, Membership Rewards™
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Sep 24 2009, 11:32 AM
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#1
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Junior Member
187 posts Joined: Nov 2005 |
So any promotion for AMEX Application now?
Better to apply by walk in Maybank or apply online? What does that mean with AI Req: 36K, Graduate 30K? |
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Sep 26 2009, 03:39 PM
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#2
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187 posts Joined: Nov 2005 |
QUOTE(cute_boboi @ Sep 24 2009, 12:10 PM) Means annual income from basic/fixed salary is RM36,000. i.e. RM3,000/mth income It does not include variables like OT, claims, mileage, performance/KPI, etc. If you have degree, RM30,000 annual income can apply already. Thanks for clarification, another question, what is the credit limit for AMEX Gold CC? Wondering if my application will get approve, first CC |
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Sep 26 2009, 05:59 PM
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#3
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QUOTE(winner @ Sep 26 2009, 04:10 PM) If you meet the requirement, why not? actually my last year AI not meeting the req(only 30k), then this year got increment so this year AI only meet the req. The maybank officer ask to submit 2 mth payslip +last year EA form.Nobody can tell you the CL you'll get until your application is processed and approved. So everyone will have different CL? Any idea what is the CL range then? Is it same for all bank base on Cc type? Added on September 26, 2009, 6:03 pm QUOTE(angle45 @ Sep 26 2009, 04:38 PM) hey guys juz has 1 Q--> the minimum requiment of 30K for graduate--> before EPF or after minus ESP?...Do any one know if i go find agent or go to bank apply is better? At end of August I submit tru bank but rejected.. when I can reapply for AMEX?? thanks @angle45,Does the rejection comes with reason? How long for u to know that it get to know the status? How to check? QUOTE(angle45 @ Sep 26 2009, 04:38 PM) hey guys juz has 1 Q--> the minimum requiment of 30K for graduate--> before EPF or after minus ESP?...Do any one know if i go find agent or go to bank apply is better? At end of August I submit tru bank but rejected.. when I can reapply for AMEX?? thanks @angle45,Does the rejection comes with reason? How long for u to know that it get to know the status? How to check? This post has been edited by clicker186: Sep 26 2009, 06:03 PM |
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Sep 26 2009, 11:54 PM
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#4
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QUOTE(angle45 @ Sep 26 2009, 06:22 PM) Nope....When I call them they juz say reject only...I wan to ask the reason but they say they dun know. I guess may be I submit 1 and half month pay slip only. Plus my payslip was print out and verify by FINANCE DEPARTMENT only......GUESS ONLY...I wan to reapply...I think this time I submit 3 month and ask finance to give me carbon type payslip to secure. My PA is ~31k.....can someone advise if this PA would I be able to get AMEX card? I submitted a print out as well, let's see how mine goes QUOTE(MilesAndMore @ Sep 26 2009, 08:49 PM) You can only reapply 6 months later. So can say there is no boundaries for CL? Heard from friend it is 2.5 from salary? If not mistaken AMEX Gold is charge card without CL, only AMEX Gold CC is CC with credit, correct?It could be RM5000, it could also be RM30,000. Someone here who successfully applied for the AMEX Gold said in the credit card thread that his credit line for this newly approved AMEX Gold is comparable to his existing Platinum credit card. The bank will not give you any reason why did they reject your application. Certain banks will even send you a generic rejection letter but they won't tell you what the reason is. You can only reapply 6 months later. That's the rule. If mine got rejected, 6 months later maybe not interest to apply anymore |
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Sep 27 2009, 08:34 PM
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#5
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QUOTE(MilesAndMore @ Sep 27 2009, 12:29 AM) It should be 2 - 3 times of your salary but not everyone applied for a credit card using salary slip. Some got pre-approved complimentary Platinum credit card from their banks and the credit line usually is pretty high. 600K CL is so cool, but who will spend so much?The maximum credit line for each Platinum series credit card brand is RM300,000. For instance you have a Platinum VISA and Mastercard Platinum, both issued by Hong Leong Bank. The maximum credit line possible is RM300,000 per card brand. Assume that Hong Leong Bank gives you the maximum credit line possible for your both Platinum VISA and Mastercard, your total combined limit from Hong Leong Bank for your credit cards is RM600,000. Yes. Not pre-set spending limit that is. Oh ... how so ? I can't apply for a AMEX Gold credit card now. Have to wait till August next year. Still a long time to go but i'm 99.99% sure i'll still be interested in this card then. Is it because the 0% finance charge will be over then ? Why you need to wait until next year august to apply? Even got reject can still reapply in 6 months time right? After 6 months maybe i have other CC in my wallet already. So not intend to thicken my wallet with extra card. |
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Sep 27 2009, 09:17 PM
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#6
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187 posts Joined: Nov 2005 |
QUOTE(MilesAndMore @ Sep 27 2009, 12:29 AM) It should be 2 - 3 times of your salary but not everyone applied for a credit card using salary slip. Some got pre-approved complimentary Platinum credit card from their banks and the credit line usually is pretty high. 600K CL is so cool, but who will spend so much?The maximum credit line for each Platinum series credit card brand is RM300,000. For instance you have a Platinum VISA and Mastercard Platinum, both issued by Hong Leong Bank. The maximum credit line possible is RM300,000 per card brand. Assume that Hong Leong Bank gives you the maximum credit line possible for your both Platinum VISA and Mastercard, your total combined limit from Hong Leong Bank for your credit cards is RM600,000. Yes. Not pre-set spending limit that is. Oh ... how so ? I can't apply for a AMEX Gold credit card now. Have to wait till August next year. Still a long time to go but i'm 99.99% sure i'll still be interested in this card then. Is it because the 0% finance charge will be over then ? Why you need to wait until next year august to apply? Even got reject can still reapply in 6 months time right? After 6 months maybe i have other CC in my wallet already. So not intend to thicken my wallet with extra card. |
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Oct 10 2009, 12:28 PM
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#7
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187 posts Joined: Nov 2005 |
Can i know how to check my AMEX application status? It has been 3 weeks and no news..
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Oct 10 2009, 12:56 PM
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#8
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187 posts Joined: Nov 2005 |
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Oct 10 2009, 01:05 PM
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#9
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187 posts Joined: Nov 2005 |
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