Well,you can try to go Gold Card alr,CIMB might approve and your annual income is 70k ..

Any big outstanding loan ? Or you're a guarantor of some big loans ? Have you paid a visit to BNM to check your CCRIS ? A paycheck above 70k per annum is way above the minimum criteria to qualify for a credit card. Unless there is something seriously wrong or else i can't think of any reason why banks kept rejecting your application.

tx dear. im clean and non guarantor to any loans. Jst oni 22yo. Didn't have any outstanding either! ctos checked and no problem. I should take yr advice to pay a visit to bnm 1st.. tq!

Any charges to stolen MBB/CIMB CCs?

What u mean by stolen? Lost card?

Certainly it is. After u report card stolen and request for replacement, they will charge u the card replacement fee.

Even with police report? Nice, adds to the losts

what are you using when u apply CC?

pay slip?

need not.

u just need to call card centre to report lost and replace yr card

I think what he meant was even with a police report, still have to pay for the replacement card.

i did not use payslip.

im considered self employed for sdn bhd not sole appropriator so didn't have slip.

but i submitted my personal bank account, company bank account, ea form b form tax receipt epf and more... so is this enuf?

UOB will waive the replacement fee if you submit your police report. However, you need to come in person to the card centre in Jalan Raja Laut. (Not sure what will be the case for outstation cases) The card replacement fee is RM 50 if you opt to pay for it.

time consuming and wasting travelling allowance.

but can have a try if it is at yr convenient

based on above comment that you are self-employed of a sdn bhd company, I assume you are a shareholder and director. Instruct your staff to prepare your own pay slip lah i.e. payment voucher also same. Actually being a Sdn Bhd company, your company expenses should be well recorded - believe me you will appreciate this when IRB comes and audit your company.

Is your company paid up capital RM2? The bank can easily determine your worth by checking with SSM. Why don't you ask the bank manager which your company have business with to recommend you a credit card?

Maybe you were not issued a credit card because you do not have a credit history with CCRIS, what cards have you applied for?

FYI, sign up HLB smartlink account and you'll be issued a Gold Card. See link below.

http://www.hlb.com.my/pfs/dep/depsmacc.jsp?flag=depsmacc

need more info on credit card, click on my signature below.

For unknown reason, Citibank sent me a Choice credit card.
Never applied for that before. Last time I applied was the Airasia credit card and that was like last year. But I've cancelled the application immediately when they called for verification. Wasnt very keen with their cards since the bank is so far in KL whilst I'm staying in Puchong.

Not sure if I want to keep the card. But I do plan to get another card and theyve opened a branch in Puchong which is convenient.

Anybody using Choice?

I would suggest getting a FD pledged card with PBB or such to establish your track records for the first few years. This would probably be easier and based on your income, should not be a problem. Otherwise I am afraid your chances are pretty slim based on my experience in the banking sector. However, that's just my 2 cents worth. Best of luck anyway.

for unknown reason i also got a citi gold card previously. If you call them. they will tell you that's complimentary from them. i asked to cancel. they told me it will be cancel by itself if not activate it. dont know how true it is.

For unknown reason also, I have received these cards from Citibank out of the blue:
1) Gold Visa
2) Shell

And i believe their Puchong branch opens at night on certain days too.

oic! tx so much for yr advice.. i will do it soon...

LOL guess I'm not the only one that been given credit cards by Citibank.
Will give them a call to verify. Might as well keep it. No harm done.