{"id":17614,"date":"2022-02-27T19:00:00","date_gmt":"2022-02-27T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/credit-card-requirements-process.html"},"modified":"2026-03-26T16:00:18","modified_gmt":"2026-03-26T08:00:18","slug":"credit-card-requirements-process","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/credit-card-requirements-process.html","title":{"rendered":"3 Requirements You Must Meet Before Applying For A Credit Card"},"content":{"rendered":"\n<p>Previously, we wrote on the benefits of having a credit card and where you can get a suitable one for yourself. You can give that article a read below:<\/p>\n<!--more-->\n<p><strong>Related<\/strong>: <a href=\"https:\/\/www.comparehero.my\/credit-card\/articles\/why-you-should-apply-for-credit-card\">5 Good Reasons You Should Apply For A Credit Card<\/a><\/p>\n<p>In this piece, we\u2019ll be looking at what you need to qualify for a credit card as well as the process of getting one, in general. It\u2019s important to ensure you meet these requirements because if you don\u2019t and your application gets rejected, you can be barred from reapplying for about 3-6 months. However, how this is implemented and the duration of it will depend on the bank.<\/p>\n<p>Now let\u2019s just say you\u2019re browsing through <a href=\"https:\/\/www.comparehero.my\/credit-card\/all\">CompareHero.my<\/a> for some credit cards and you find a couple that you like. What\u2019s next?<\/p>\n<h2>1. Make sure you meet the salary requirements<\/h2>\n<p>First things first, before you click that \u2018Apply\u2019 button, ensure that it\u2019s the right card for your salary bracket. It goes without saying that if you apply for one that has a higher income requirement than what you\u2019re earning, your application will be rejected.<\/p>\n<p>Some cards require a monthly income of RM2,000 while for others, it can go up to RM5,000. To make your credit card search on CompareHero.my easier, you can filter cards by annual income. This way, you can just look through cards you\u2019re eligible for.<\/p>\n<h2><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/credit-card-requirements-process-01.png?w=288&#038;ssl=1\" alt=\"credit-card-requirements-process-01\" style=\"width: 288px;\" ><\/h2>\n<h2>2. You\u2019ll have to have a good credit score<\/h2>\n<p>Besides having a steady income stream, you\u2019ll also need to prove that you\u2019re good with repaying your debts. This can cover anything from smaller personal loans to more major housing or car loans.<\/p>\n<p>Paying off your financial obligations on time will result in you having a higher credit score, which in turn will increase the chances of your credit card application getting approved. Other things that affect your credit score include how long you\u2019ve taken a certain loan for, how many loans you\u2019re currently paying off, how much you have left to pay, and so on.<\/p>\n<p>Again, to avoid disappointment and lower the risk of your credit card application being rejected, <a href=\"https:\/\/ctoscredit.com.my\/\">check to ensure that your credit score is healthy first<\/a>.<\/p>\n<p><strong>Related<\/strong>: <a href=\"https:\/\/www.comparehero.my\/banking-finance\/articles\/ways-to-improve-credit-score\">6 Ways To Improve Your Credit Score<\/a><\/p>\n<h2>3. Age does matter sometimes<\/h2>\n<p>It might not seem like a big deal, but one of the main prerequisites to getting a credit card is being in the right age group.<\/p>\n<p>For most credit cards, the minimum age for a principal card is 21 years, while for <a href=\"https:\/\/www.firstpost.com\/investing\/five-things-you-need-to-know-about-supplementary-credit-cards-718576.html\">supplementary credit cards<\/a>, you\u2019ll need to be at least 18 years old. There may be some banks or financial institutions that may have other age requirements, so to be safe, do check with them before applying.<\/p>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/dos-and-donts-to-avoid-credit-card-identity-theft-01-768x402.jpg?w=640&#038;ssl=1\" alt=\"dos-and-donts-to-avoid-credit-card-identity-theft-01-768x402\" style=\"width: 680px;\" ><\/p>\n<h2>How is a credit card application processed?<\/h2>\n<p>So let\u2019s say you meet all the requirements set above\u2014great! You can now proceed to apply and sit back and relax. Now what happens after you hit that \u2018Apply\u2019 button?<\/p>\n<p>The financial institution you\u2019re applying from will double check the information on your application, and they might contact you if further details are needed. Once your application is processed, you\u2019ll hear back in a few days. You\u2019ll then find out whether it was approved or rejected.<\/p>\n<p>When you apply at CompareHero.my, the process is very simple as it\u2019s made up of just two steps. Fill in your name, phone number IC\/passport number and monthly income, hit send, and you\u2019re done! You will be then contacted by a customer service agent who will take it from there.<\/p>\n<p>And that\u2019s pretty much all you need to know about how to get a credit card. Do note that if you apply externally with the bank itself, the process can vary from one place to another. When picking a credit card, remember to <a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/how-to-pick-the-best-credit-card-for-you-4-easy-steps\">go with something that fits your budget<\/a> and at the same time, gives you enough rewards.<\/p>\n<p>Want to check out some exciting credit card deals that give you a free gift? Click the link below!<\/p>\n<p><a href=\"https:\/\/www.comparehero.my\/credit-card\/all\" role=\"button\"><br>Best Credit Card Deals in Malaysia!<br><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Previously, we wrote on the benefits of having a credit card and where you can get a suitable one for yourself. You can give that article a read below:<\/p>\n","protected":false},"author":268230141,"featured_media":1152,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[433],"tags":[],"class_list":["post-17614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3 Requirements You Must Meet Before Applying For A Credit Card - CompareHero<\/title>\n<meta name=\"description\" content=\"Want to apply for a credit card but don\u2019t know how the whole process works? 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Shockingly, there are some who do, and it may well because you did not meet the minimum credit card requirements stipulated by the issuing banks and financial\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/credit-cards-2.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/credit-cards-2.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/credit-cards-2.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/04\/credit-cards-2.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18191,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/apply-credit-card-expats.html","url_meta":{"origin":17614,"position":1},"title":"How to Apply for a Credit Card for Foreigners in Malaysia","author":"CompareHero","date":"14 February 2022","format":false,"excerpt":"As an expat or foreigner living in Malaysia, getting a credit card can be a very difficult task. As many banks do not have specific nor uniformed requirements for expats to be eligible for a credit card, it can be a lengthy and difficult process. To make things easier, we\u2019ve\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2022\/02\/credit-cards-800x450-1.webp?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2022\/02\/credit-cards-800x450-1.webp?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2022\/02\/credit-cards-800x450-1.webp?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2022\/02\/credit-cards-800x450-1.webp?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17846,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/guide-choosing-applying-credit-cards.html","url_meta":{"origin":17614,"position":2},"title":"A Guide to Choosing and Applying for Credit Cards","author":"CompareHero","date":"24 August 2023","format":false,"excerpt":"Applying for a credit card is not difficult. However, before applying for a credit card, you need to understand the features and type of credit cards in the market to suit your personal financing needs. 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It\u2019s time to prep yourself with these 10 tips so that you can get approved for your next credit card application easily. \u00a0 You may have been affected\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-get-approved-for-next-credit-card-application.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-get-approved-for-next-credit-card-application.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-get-approved-for-next-credit-card-application.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-get-approved-for-next-credit-card-application.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/how-to-get-approved-for-next-credit-card-application.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18704,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/what-is-credit-card-purchase-protection.html","url_meta":{"origin":17614,"position":4},"title":"What is Credit Card Purchase Protection?","author":"CompareHero","date":"6 February 2023","format":false,"excerpt":"One of the things you should consider when looking for a credit card is the purchase protection feature. 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