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 Why Maybank rejected my Credit Card application?

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WaCKy-Angel
post May 13 2009, 12:47 AM

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QUOTE(ckwhy @ May 13 2009, 12:02 AM)
Why Maybank rejected my Credit Card application?
I have good credit record. No outstanding in my current credit card. And also their housing loan customer.
Anyone know why?
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How many CC's do u have currently?

How much is your applied loan, and still how much need to pay back?
WaCKy-Angel
post May 13 2009, 09:18 AM

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QUOTE(Godek @ May 13 2009, 06:25 AM)
BTW, theirs min income is RM2500 per month or RM30000 per year. The min income also must be basis salary not include other (commission, overtime, allowance).

So if u are fulfill the requirement I think u better call them.

Other better method is go to your maybank branch that you open your maybank saving account then ask them to pre-approve your application. They will ask reason and why, just tell your reason.

Lot easy because 90% will approve even your min income is low than requirement because they will go thru your saving account to analysis your spending behavior hehe (read: If thru online application or other branch, they cannot pre-approve as they cannot authorize to analysis your saving account)
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doh.gif doh.gif doh.gif doh.gif doh.gif
Dood, their database is linked lah. anyone from any branch can access the info with appopriate access.

QUOTE(CodeBasic @ May 13 2009, 07:27 AM)
FYI, maybank CC very easier to apply and get approved...last time i tried apply citibank twice, HSBC as my 1st CC but failed even my salary is over RM1,500....but when i go to apply maybank CC, i get it within 3 weeks since it is preapproved as my salary went into maybank saving acc...Finally, get my visa wave...

you can try for second time n c or better check with Bank Negara whether u have clean record or not..cos u mayb have some other loan unpaid like study loan, or any bss loan..
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HSBC with RM1,500 salary?
How would their sales person even entertain u in the 1st place?

For me HSBC is the most picky and action bank, their sales person only look for those rich potential ppl to sign up.
If u are not wearing branded or look rich, bet they wont approach u to apply card

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