Is it EA form must for a person like me ?

Go to Hypermarket,so many promoter there why don't you try there. Someone in previous post said Rhb is very desperate,give it a try la.

THen I need to always bring my photocopy of bank statement , photocopy of salary slip with me lo

Not sure,never applying through this method before. I think you just need your ic they will photocopy for you then 2 or 3 days later you only need to fax them.

Like that ahh .... fax pula , will be danger mah if I just fax my bank statement and salary slip to them ? I don't have EA form woh

I think at least 3 months pay slip is sufficient. no need ea form

This post has been edited by GHz: Mar 14 2009, 09:09 PM

SOme salesman said 6 months for save woh and better woh ~ I did and kena reject by Alliance Bank ... Gross pay got RM 1.9k++ above then net pay got RM1.5k+ also reject,KNN ... basic is RM 1,330 and always got commision more than RM200++ also failed .. KNn alliance ... dun wanna go alliance jor,reason I go because can edit picture on the card and now ... zzz

Yes,if that promoter is desperate,he/she will Kautim one

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Added on March 14, 2009, 9:11 pmHaiya,so many other bank ma.

This post has been edited by eddievh: Mar 14 2009, 09:11 PM

Just now meet that Citibank promoter,she said need EA form woh .. no EA form , don't do for me .. such promoter ... so action ..

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

Ya lo .. now try other bank .... who cares the annual fee ... bloody bank .... alliance bank,you never got any service from me ...

As i said earlier,try langmoon bank like Camel,Affin ,Najib Tun razak brother bank.

I only a PMR holder with FAILED result. Only Inggeris is B+

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

OKok .... Just asked that my friend,he apply at public bank last week and need EA form .... do I really go print the bank statement ??? All my salary bank-in in alliance bank by the company and I need to go Alliance bank get statement. SOmemore alliance bank branch also not so many in KL ... damm troublesome ...

Consult RockIron for help,he's CC collector.

Okie ... will consult him

Hi,
It's only my hobby collecting cc, I m not a cc approval proffesional anyway. PBB denied my cc application recently,it's the only issuer that denied my cc application in my life.
But I can share my experiance to u and hope it helps.
Look for CIMB,Ambank,MBF,UOB,RHB,SCB. They r deperate to expend their cc members volume nowadays. Mayb it's more ezy to get approval from them.
Citi,HSBC,MBB has stricter cc policy compare to other issuers, they usually target on other issuer's cc holders for longer vintage of membership.
I hav no problem with Alliance Bank,1st time application already approved. The CL given also surprised me,it's higher than the cc I used to pledge the application.
cc approval sometimes depend on ur luck,it's hard to judge which issuer ezy to approve ur application.
However,keep good repayment record is the most important thing for cc. It'll affect ur future cc applications.

Anyway,wish u good luck.

This post has been edited by RockIron: Mar 15 2009, 11:36 AM

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

Hi all, my parent found out that they been charged RM15.61 by CIMB bank for not paying the full amount of Credit Card on that month(accidentally left out RM31.59 and paid the remaing of dept one day late)

my question is how come is RM15.61? The interest they charged is damn high for the late payment of the amount of RM31.59. AFAIK, the interest rate is just 1.8% per month for CC outstanding balance.

anyone working in bank can help me on that? here is the transaction history.


Date Transaction Debit (RM) Credit (RM) Outstanding Balance (RM)

12-Feb-2009 4.02 1,255.61
13-Feb-2009 40.13 1,295.74
14-Feb-2009 215.00 1,510.74
17-Feb-2009 13.00 1,523.74
19-Feb-2009 38.00 1,561.74
21-Feb-2009 3.00 1,564.74
23-Feb-2009 40.46 1,605.20
27-Feb-2009 40.00 1,645.20
02-Mar-2009 190.00 1,835.20
04-Mar-2009 1,220.00 615.20 --> paid before due date, left RM31.59 not yet paid
04-Mar-2009 126.00 741.20
05-Mar-2009 2.03 743.23
05-Mar-2009 42.60 785.83
07-Mar-2009 50.00 735.83 --> paid the remaining dept one day late
10-Mar-2009 30.31 766.14
12-Mar-2009 4.81 761.33
13-Mar-2009 15.61 776.94 --> FINANCE CHARGES

This post has been edited by labtec: Mar 15 2009, 01:00 AM