The monthly income will need to be steady income of RM5k. Banks will probably discount if it is coming from sales commission and the likes because the probability for it to be non-sustainable (not fixed) is high.

Hi All,

my basic is 1,400 gross per month. no commission, allowance or other side income. do i have any chances to apply successfully? i currently using a sub-card from my dad. i did try apply last year.

its hard to predict how the bank works,

my gf last time work in bank, income 2.2k. CC CL = 15k

she stop n change job, apply new card CL = 15k as well.

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Added on March 27, 2009, 11:14 pmi must say it will be very very very hard to get approval.

most of the bank minimum requirement 18k per annual

This post has been edited by maru: Mar 27 2009, 11:14 PM

@maru,
When U oredi have an existing CC it's easier for banks to give you a CC. Also, I noticed most banks tend to match existing CL - which in a way is not very good. You can be drawing a RM5k salary but have up to RM100k in CLs

nowadays i able to control myself...

1 weeks only swipe 2 times... 1 is for petrol another 1 is for Carrefour.

tht's all... haha

@vin_ann,
It's not the number of times U swipe - it's the amount !

i got a friend receive a credit card from maybank after some guy from the bank called him, ask him a few question. got the card in a week time. he tell me that his salary didn't even reach the requirement. how can this be? must be my lucky day that i actually receive a call my bank this which i put all my savings, ask me about getting a credit card. after submitting all doc. i was rejected

well maybank did give free CC if they think u are qualify...

2-3 of my fren also get free CC from maybank without applying it,

i think first of all u must have maybank saving account for some certain time
more than 5 years i think,

2nd of it i think u need to have some certain amount it in

well i do come across that if u save a certain amount FD for maybank, then they can issue u the CC and the CL is based on the amount u put in FD.

many thanks for your reply, i going to put into FD...

ALWAYS USER CITIBANK - their points never expire in your entire life.

Does it apply to all Citibank credit cards???

my sis used this citibank last time,if their credit never expired ,that would be great,what if they never ever terminate their services with u as well ?what would u say ?till my sis had to come down to KL to terminate it,all the way from sarawak tho. called them thousand of times,nobody takes into account about the termination,citibank and maybank sucks to me .eventho am platinum users,but at least i prefer CIMB (eventho the rates is quite high) and my second choice would be RHB ,no platinum no credit card.

I don't know what are you talking about Citibank has one of the best customer service around and your calls would normally get through. Maybe it's 10 years ago or you got the wrong number to call (03-2383 0000)

Your post sounds defamatory. Been a Citibank credit card holder for 10 years now. I had on various of times terminating my card due to their refusal to waive my annual fee. All i had to do is fax them a letter stating my intention and they will call me to confirm my cancellation. However, on those many occasions they will waive my annual fee and so here i am already 10 years of using Citibank Clear credit card. Their point never expires, attractive benefits for middle income earners and indeed very good customer service.

I have mixed opinions about Citibank but they are not that bad to the extent someone has to fly a few hundred km's just to cancel their card. (Not to mention it was hard to understand what were you trying to say in the remaining of your post) Even if this were true, perhaps there are some special serious circumstances that your sister need to deal with Citibank.

Whatever it is ... your story does not hold well given even the most horrible experience that I had with Citibank.

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Added on March 28, 2009, 10:47 amNot necessarily tinkerbel. My new card from Alliance bank is only about 41% of my existing highest credit limit. I used 2 cards as reference and even using the second card which had a lower credit limit, Alliance Bank only gave me a credit limit of 52% of that reference limit.

Guess it depends on the bank's policy when it comes to providing credit limit. (I'm slightly disturbed with my lower credit limit)

This post has been edited by hye: Mar 28 2009, 10:49 AM

Hello,
I use Pay Pass at KFC counter, it fails for me.
Anyone know what reason? Is that a tapping card reader problem or my card problem?
Thank you.

This post has been edited by bingozero: Mar 28 2009, 12:13 PM

I been in your situation before. The problem is the cashier do not know how to use it. At least it happen to 2 times.

[quote=tinkerbel,Mar 27 2009, 11:33 PM]@maru,
When U oredi have an existing CC it's easier for banks to give you a CC.  Also, I noticed most banks tend to match existing CL - which in a way is not very good.  You can be drawing a RM5k salary but have up to RM100k in CLs



I think that only applies if you do happen to have substantial financial resources other than a regular salary or maybe are the son or daughter of so and so

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Added on March 28, 2009, 10:47 am
Not necessarily tinkerbel. My new card from Alliance bank is only about 41% of my existing highest credit limit. I used 2 cards as reference and even using the second card which had a lower credit limit, Alliance Bank only gave me a credit limit of 52% of that reference limit.

Guess it depends on the bank's policy when it comes to providing credit limit. (I'm slightly disturbed with my lower credit limit)



Actually if you already have 1 or 2 cards which has astronomical limits ie. which already maxed out your perceived financial capability then all subsequent cards will probably come with lower limits, or even rejections in a worst case scenario

This post has been edited by tgeoklin: Mar 28 2009, 05:07 PM

Latest promotion for CIMB Petronas MasterCard as of 27th March 2009:

1. 5% rebate on every 1st day of the month and 2%
rebate on other days for spending at all Petronas
service stations.

2. The rebate is capped to a maximum spending of
RM200 or rebate of RM10 on every 1st day of the
month SUBJECT to a maximum spending of
RM2,500 or rebate of RM50 per card per month.

3. 5% rebate is applicable till 31 October 2009.

it's normal...

never use tht again.... so dissapointed with it...

better use conventional way...