That is if u were to apply again at the same bank..i do doubt that banks track your application records with other banks..i applied for 3 banks,which got rejected..then instantly i applied for 2 banks..both banks approved my cc application..and it my first 2 cc..

unless of course if you got a bad credit rating..

oic..FYI i applying at oversea bank..so mayb the system not same with malaysia bank
i guess i will give it a try again
thx

unfortunately not applicable for CIMB Islamic CC. I'm using CIMB Islamic Petronas card ... enjoying rebates.

Sad to hear that. I'm not aware of this.

Thanks for pointing out.

oversea bank? meaning singapore? if singapore then you as a foreigner need to have a min annual income of sgd60,000 to qualify.
for example, here's the tnc from s'pore citibank:-

• You must be aged 21 years old and above
• Earn a minimum annual income of S$30,000 (s'pore citizen or pr)
• For foreigners, minimum annual income to qualify is S$60,000 (foreigner with s-pass, ep, pep, etc.)

This post has been edited by millenniummonkey: May 7 2010, 04:40 PM

sorry, i mean i m international student at ausralia..n there is student option credit card for me.unfortunately i get rejected because of my visa expired in few months time

lol seems like CIMB having alot of good ratings
i chose CIMB just merely because my company pay me thru CIMB
easier for me to pay up my hutang

Actually it's for the sake of conveniences. I got MBB CC for this sake of this purpose since my salary goes into MBB. Easy to make payment even tough I have DA with me.

Good ratings cause they're quite generous with their credit limit. Which can be a double-edged sword if you're not disciplined

I personally keep MBB Amex, MC DA & Visa cherry to collect points / get discounts.

seems like cimb quite good. always got promotion for their cards. some more the annual fee are waived. DA card good?

DA is free for life card; no annual fee.

wat other cimb cards is good? any cash backs?

Try CIMB Petronas Mastercard.

Anyone here try to convert DA Master to CIMB Petronas?

I don't think that even possible.

Slight add on to this info. For HSBC somehow they do track your application with other banks.
If you apply 3 cards at the same time and one of them is HSBC ... HSBC auto throw your application to the trash can.

CCRIS report from BNM shows credit application as well.

i just got my CCRIS frm BNM KL on thursday, but it does not shown credit application? how come?

This post has been edited by SeanChang: May 8 2010, 11:02 AM

CCRIS only show approved credit application.

So outstanding credit for credit card means our credit limit or our current balance?

Same question for OD facility.