@li_ping,
Different banks have different preferences but a forummer here once did mention he got an upgrade and his reported income was >RM60k.

i call the lady in the alliance bank and ask why my card got rejected. she said she have to find out from someone and take sometimes and not 100% i will get the answer cause P&C. @.@ if need to re-apply need to wait 3months. is that true?? @.@ by the time younique promotion over already. hurm... weird le i dunno why they declined my application. i got no late payment cause i got no house loan, car loan and no credit card yet.

@Michael_G,
It is possible U didn't give them sufficient documentations?

Standard answer from the banks. At least the lady entertained you as normally they will just brush you away with the "Management decision to decline your application and the answer is P&C". Different banks got different policy for reapplication period - no need to get so rejected just because 1 bank decline you. I suggest you to apply other banks, maintain good customer standing and after 1 year you can use your card as reference to apply for other banks.

It takes years to build a good credit history with banks .... not overnight unless you got plenty of cash to lock into FD.

FYI, it took me about 3 years before SCB finally accepted my as their cc customer. Used the card for a while, cancel it and then reapply after some time later. So if you got declined for your 1st card, it is not the end of the world. Alliance bank is just one of the 9 anchor banks in Malaysia not to mention HSBC, Citibank and OCBC as the foreign contender in the cc market. (You have 11 alternatives not inclusive of BSN, Bank Rakyat and Bank Islam's cc offerings)

Walk away if a bank decline you and apply somewhere else. It is that simple, you shouldn't have problems if you don't have bad debts somewhere.

yeah. depends on bank.

previously im able to get OCBC Robinson Platinium with income <RM48K...

just lucky meet up with desperate agent who want to fulfill his quota...

@vin_ann,
Act, I believe co-brand cards have a "lower" requirement. Take your OCBC Robinson Platinum CC as an example, as well as the UOB ONE Platinum too but if U really wanna show off, those Platinums are uhm.... well, not the kind U wanna show off with

This post has been edited by tinkerbel: Jul 20 2009, 05:00 PM

both cards i already cancelled.

nothing to proud about.

@vin_ann,
iYa.. I'm not referring to U mah

Michael_G,

Perhaps it is the house/office telephone verification that failed ? (Not h/p)

@Tinkerbel

btw, currently which card is offering the best cash rebate for petrol?

tht day got mentioned on cash rebate for DA to my aunty, and she seems surprised... she only know Shell citibank...

@vin_ann,
Er.. I think U need to check with other forummers, I no longer keep track of what's happening out there in the CC world In fact, I get all my information from U people here

@ Tinkerbel

ok. im also din have any updates. im just stick with my DA. tht's why asking.

any1 got keep track on the petrol rebates?

coming Sept the petrol price will increase by 10 cents...

@vin_ann,
Office pays for my petrol so I don't care ! muAHhaHAhahAHahHAha I'm happy with my 2x points from Amex though

HSBC Premier, Citibank Citigold and Standard Chartered Priority customers should complain to their RMs

@MilesAndMore,
Er.. it's small matter and it doesn't mean that as a PB with those banks, U have minimum RM300k FD in the bank; it could be RM300k in an Investment Portfolio or something

Also, most of these people probably don't need so much CL - and if they need extra they could always put in a request and I'm sure the bank will look into it

This post has been edited by tinkerbel: Jul 20 2009, 05:52 PM

The new Amex's Amex Gold Credit Card offers 5x MR for petrol and groceries

@cute_boboi,
Yes in fact for that reason alone I should apply for the card; but I'll wait till at the TreatsFair lah !

tht good...

my aunty is paying petrol herself, so she want the best cash rebate for petrol on CC.

@vin_ann,
Ah well.... just try to see what information U can get but I don't believe in applying for so many CCs just to get short term gains

yeah...

is this coming weekend! im applying it too...

ops... abit detour... here is CC, not amex.

well, tht my aunty lo... i believe her petrol is over RM500 per month...