No - this doesn't necessarily show bad credit from the bank's perspective. However, pls understand that u know best how to manage your own finances....Not my right to ask u to relook into your spending patterns etc.

Just to share my opinion SOLELY based on the bank's point of view.

1. U don't have bad credit provided u pay the min 5% due each time - which u do considering u pay 50% of your debt consistently.

2. Banks LOVE customers like you. Who consistenly spend 4K every month (I'm not too sure what your CL is)....But assuming it's 10K - u spend 40% of your limit every month. Everytime you spend 4K - the bank earns about RM 48 in Interchange Fees per month. My friend - they get approx RM 576 per year from you, just from your spending ALONE. This does not even include Interest from your revolving balances.

3. You revolve consistenly every month - assuming u have not been delinquent - the bank earns 15% on your outstanding. Of course, the bank loves you.

4. If u really need to increase your CL - just state that the facts above....should be a good basis for a review. Unfortunately, the bank may be a Bit*h and ask for supporting docs.....

This post has been edited by Phoeni_142: Jan 29 2009, 12:50 PM

hi guys,

issit Maybank CC very difficult to apply lately??

I had tried Petronas( i failed) i fit the RM30k per annual.

Then within a month, i tried the Visa CLassic which is RM18k.
(This card i submitted my recent 3 months payslips, comfirmation letter, IC & in-used CC which more than 5 years.)

Badly, I Failed again..

According to the operator, i can only try to apply after 6 months.

I had applied UOB & Hong Leong just by showed my IC & another In-used CC to apply. They all went thru so successfully.

I don't have any bad record or payment delayment from others CC i have through all these years.

I am one OCBC CC honest owner for over 5 year.

I felt very headache without this more flexible CC to get my stuff around the town.

So again, issit very tough to get Maybank CC lately due to the economic recession?

I heard from friends. Maybank is the most easiest Card to get compare to others bank merchant.

Please share some ideas..

For my case Maybank CC is not difficult. I never apply one but they keep offering me card from time to time. Never own any Mayban CC before this offer.

Last year CS call for for Petronas Card. I told them if they really want to offer me CC then given me platinum. Unfortunately I only received gold & straight away cancel the card. Last 2 week received a pre-approved AMEX from Maybank. They offer quite nice bag if accept the card. I decide to go for it. haha.

maybe coz u were using de wrong credit card for petrol.. rebates apply for DA Mastercard..
or, perhaps.. there's another reason..

Maybank Amex Credit or Charge Card?

I have to apply 3 times before getting my Maybank Visa CC. I suggest you to contact maybank customer service and asking them the reason why they did not approve your application as what I had done before. Mine was because of my father was their employee although at the time of my application he had already retired.

This post has been edited by faizzal: Jan 29 2009, 07:43 PM

Thanks Phoeni_132 for your humble opinion

I knew I let the bank earn quite some of my interest My CL is RM5k combined limit from MBB. Usually my outstanding limit will stick around RM4k~RM4.5k . I'll pay RM2k, and I'll use RM2k again ... so I'll always have outstanding around RM4k by my cutoff date.

However, for my CIMB, it depends. I have outstanding around RM3k. Sometimes I use Rm2k, I pay RM1k. Sometimes I use another RM1k, but I pay RM300 (if financial low) But I always pay on time and never pay min ....

The reason I afraid bank see me in bad debt is because, CCRIS report will shows my outstanding balance. I've got mine got BNM and see all outstanding that I owe bank. That's the reason Im curious lol

Thanks again !!

No worries, glad to have helped.

You are right about the CCRIS report showing your outstanding balances....But i'd just like to point out 2 issues.

1. From the CCRIS printout - provided u pay the 5% every month - it will show a string of "0" e.g. if u pay late by 1 month - it will show a "1".....As such, a string of zeroes shows that u are a good paymaster.

2. The outstanding balances on the CCRIS printout is a different matter alltogether. It is NOT used as a proxy to establish repayment behaviour - however the bank will use your outstanding balances to compute their debt burden ratio's etc. In that sense, u may be viewed as too highly geared or exposed to credit.

good luck.

AMEX charge card.

Hey guys,
Happy Chinese New Year! Gong Xi Gong Xi for all chinese forumers.

I need help from you guys in regards to the type of credit cards in Malaysia in my assignment.

I listed some of the below:

Standard Credit Cards
Business Credit Cards
Petrol Credit Cards
Rewards Credit Cards
Islamic Credit Card

I search through internet and i found 5 types of credit card available in Malaysia.anyone come across other than the listed above? Mind to share? i need it for my assignment.

Thank you!

Well, my personal opinion is that I do not agree with the categorization that you are using. The banks don't use it, you miss certain cards and there are serious flaws about the way that you categorize it. (At least in my personal opinion) I suggest that you search through all the banks websites, understand their cc offerings and make an analysis from there.

I'm not too enthusiatic about doing your homework for you but I think I have given you some hints. Good luck!

agreed.

just go visit every bank website and list down....

from there, can see the category, and figure out the target market.

I applied for OCBC CC and failed
I applied for HSBC CC and failed
Then i applied for Maybank CC and passed

I guess Maybank CC is definitely easier to apply then. Now whenever i see HSBC or OCBC CC booth in shopping mall, i just ignore them.

hi i would like to ask.. i have outstanding balance n i just apply dial for cash(citibank).

how i gona pay for the specific item?
e.g i want to pay rm150 for the total outstanding n another rm100 for the dial for cash installment?

Overpaid my CC through maybank2u.
The outstanding amount become negative.
And the pay any amount link is missing.
Oh well...

for me its Citibank, few years ago applied failed
applied last month due to want to get the free mp4 also failed, lol
other banks credit card no problem

^Yes... i aslo get rejected from Citibank few weeks ago..
Now Eon bank applications have passed 2 weeks... No news from them yet...

Just notice an interesting information

I recently applied for a UOB cc and when I called the UOB cs (03-26128121) to check my card application status, I will be put through the menu. The system will ask me to key in my IC and phone number. Then the system will drop my call after saying they will contact me as soon as possible.

Next .... the bank only called me back 16 hours later. (on a working day) Is that efficient or what ? Do you think you want to risk using UOB while you are overseas and you need to call back the bank urgently ?

This post has been edited by hye: Jan 30 2009, 01:13 PM

Try reapplying , now they'll just give you a credit card. Its competition

Once you have a card , the rest would be easy* - Its all now down to competition. The banks just want you to spend , spend and spend !

*depending on your credit score which will be calculated by the bank , etc

I am also awaiting their response but the person told me it will take sometimes cause Chinese New Year

I was abit mad at the sales rep because he took my application all on mid of december and he only call me last week to confirm some particulars and he told me he not yet submit due to on-leave.

He got a bom for me and I told him he should not leave his tasks behind while on leave without a backup. But anyway, I wasn't angry cause I am holding quite a number of CC now and not in rush. It is just the attitude.


I have always called them and get connected to their CS though my experience is the waiting time has been too long. Keep waiting and awaiting and it is no good for customer who has their hp credit dries up. But it seems these 2 weeks I am not really experiencing this already.

Hye, I guess you were routed to the "call back" queue because you choose on the application status. Next time just try other menu and I am sure they will ask you press "0" to speak directly to CS ...

This post has been edited by davidlow7: Jan 30 2009, 02:00 PM