Yes, alliance bank like to reject application. My application was rejected once with them. try other bank. do you a degree holder?

Citibank also strict. Try other local bank like cimb, ambank or public bank.

If you are really interested in cash back credit card you may want to take a look this analysis of cash back credit card

Some bank do accept allowances & commission. All you need to do is show them the proof.

That is right but not all banks asking for EA form as mandatory. 3 months income statements is sufficient.

Some banks such as Ambank accept other credit card at least 6 months old (Ambank write this in their application form). I do not know about RHB but 12 months credit cards not really necesary.

Don't merajuk ler. Try again from other bank. Show them the proof for your commision & allowance too.

To apply platinum by using existing card, I think you can try to use your 18k limit CC but card with 20k limit is better. Or else if your annual income >80k you can apply for public bank & CIMB platinum card. Stadard chartered only asking for 60k annual income.

Let say I want to increase my credit limit, and I deposit big amount, do you think they will approve? What account normally to deposit? FD? If I have 50k FD can I ask for 50k credit limit?

The quote below taken from Public Bank Website. They can do 1:1 based on FD for platinum cards.



This post has been edited by GHz: Mar 17 2009, 07:54 AM

Try Direct Access - good for fresh graduate

They are a division of CIMB. You need to give your graduate certificate.

http://www.directaccess.com.my/

Congratulation for the winning. I hope I can win X6 too.

Yes, RHB extend it to 30th June 2009.

Agree, UOB seem to put a lot of fineprint. I was itend to apply also before because they have a good cash rebate at hypermarket but after looking at at their T&C, I cancel my plan. Seem like difficult to get the cash rebate. Anyone have experience on redemtion on the cash rebate?

that is right but i think uob T&C is really excessive. read a few times only understand.
Also notice that Hong Leong credit card also have excessive T&C for their cash back. Citibank not much further. Other I think is quite resonable.

I think you do not to pay I think as annual fee is paid upfront.

Cannot really remember I read it quite sometimes ago & later on decide not to apply for that card, Here some what I remember,

1. Need to have both VISA & Master card & swipe both at least 6 times a years. Why need to hold 2, 1 is enough lor. I think only visa card have the most benefit.
2. Petrol rebate only for the first RM70 only & maximum of rm400 per month. Now maybe ok since petrol price already low but for me every time fill still >rm70.
3. Cash rebate only can redeem at certain location only. For me I do not know where i can redeem. I seldom go to cinema like you. Cannot redeem at hypermarket.
4. They say 2% cash rebate at hypermarket but actually it base on block & min purchase of rm100.

maybe got some more jut cannot really remember. I guess they make it difficult so that they do not need to give the cash rebate for some people who do not really read it.

If you are looking for good cash back card for petrol, the is 1 debit card which offer 7% rebate. also until 30th June 2009. Since it is debit card I won't discuss further here. Look in debit card thread or look at my signature.

This post has been edited by GHz: Mar 21 2009, 10:20 PM

Which bank is that? Are they offering to you only or open to anybody else?

If you want your life to be easy, just look at my signature for card that hye mentioned.

Correct! If you are really do not want to pay AF, then get CC that is Free For Life Without Condition. So easy!