Hi sifus, gor gor / jie jie around here.

Im reaching 21 in august this yr, and im thinking of getting a CC for emergency usage or perhaps lazy for going through a long queue infront of the atm machine.

What i want to ask is whether i will easily apply a CC successfully or with some problem? I've check all the requirements for applying, and i have qualify everything.

My wage is 1.7k each month, equal up to Rm20,400 p n. Which means i have qualify the requirements of applying CC with earning RM18,000 p n. But i heard my seniors told me that, at my age with that wage is not that easy to apply my 1st CC. Is that true? May i know what really causes that?

Besides, im hoping of getting RHb / Maybank's for my 1st CC. Which will be better in term of benefits ?


Hope u ppl here can assist me of going through everything.

Means, that i have no problem at all in applying a CC at all la? Thx vry much.

U all are so helpful. Next time when u all got chance in buying things from me, i'll give u people some discount. (out of topic)