QUOTE(tinkerbel @ Jul 20 2009, 04:49 PM)
@Michael_G,
It is possible U didn't give them sufficient documentations?
QUOTE(hye @ Jul 20 2009, 04:55 PM)
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.
@tinkerbel hurm i gave them 3months payslip, 1ea, and 1epf. still not sufficient??
@hye thanks for the reply

okie now i wan to apply other card edi. i plan to go for DA CIMB but then i dont meet the requirement le. or can you guys give me some suggestion for rebate card?? back to DA, what is my chances to get it? 1%? and i saw in the DA website can apply online, is it safe?? and do i miss out anything if i apply online? i also went to cimb bank today the man told me that the normal cimb also got rebate is that true? i check the web not rebate info also..