it is very ironical when i can get credit card from spore banks in spore as a foreigner but none in msia as a citizen...

i do understand the banks need to evaluate the applicants financial stability before issuing one.

my bro earning s$6k per mth has problems applying too... let alone me earning a pay <s$4k

Have been long time wasnt apply credit card already... really no idea what is the 'standard' requirment

all my credit card was the bank self offer to me one

This post has been edited by liewsan: Sep 8 2010, 04:08 PM

I know now standard already dropped. What I meant is before this very hard for me to get. Now after I cancel the card (2 years back) they keep sending me letters n call

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Added on September 8, 2010, 10:53 pmsame case with me

This post has been edited by saiga: Sep 8 2010, 10:53 PM

Let me see if I can get further info on this for you. I'll come back to you on this one.

that stanchart guy said he will use my spore credit report to apply one for me... he said stanchart can try this with their spore counterparts for getting credit risk info report... hopefully it will be approved this round

i got my msia ccris report... nothing written... so i am debt free in msia...

there is one thing which i dun understand... i rmb back in 2006 when i was still earning a meager pay... i applied for a hire purchase loan of rm 50k... it was approved within a day without question asked... no call or whatsoever...

50k loan vs 5-10k card limit (which is what i need though)
approved vs not approved

Hi, I'm also working in SG with a steady income (ard 60k p.a)...
Was trying to apply for OCBC Titanium card.
Will it be difficult to get approved as this is my first card? Failed for HSBC....
Will submit my latest 3 mth bank statement + SG income tax form, is it sufficient?

that credit card fellow tried another method which is to get the credit report from singapore... yet the application was still unsuccessful...

i told him to use fd-lien in the first place but he was so stubborn that believing it would be successful... let him be then...

by the way bro phantom06, your 60k pa is sgd or myr?

I've checked with some of friends in the banking industry & they've advised me that foreign income earners are usually required to have higher income like more than RM10K or so for a fast processing. Apart from that some may also quiz you as to why you need a Malaysian bank issued card when you work in SG etc. BTW, sorry for the delayed response.

i believe you are right... they took my singapore credit report too for the application but was rejected too due to the fact that i only have car loan in spore... it would have been successful i had a housing loan in sg (but i dun hv that kind of money... lol...)

so they r now processing it with the fd-lien application... i pledged 5k fd for that and i hope it will be successful this time...

Last time I applied with OCBC malaysia and got approved. Had no luck with Maybank either. Perhaps you can try with SG banks with MY operations?

Yes you are right... UOB approved mine...

This happened to me too...applied many banks and only UOB approved my application...

i also working in singapore but i can get.1st card from citibank cleart master card.2nd is citibank cash back card.3rd is hong leong gold master card and the latest is standard chartered platinum card that just approved

Just a question from me... u got any bank loans in msia?

Yes,car loan and personal loan

that could be the reason as you have good ccris report while mine is totally clean as i do not hold any loans in msia... i believe with my first card approved it will be easier in the future for other card applications...
btw... the process of msia banks approving mine is quite strict.. always got calls to verify... i didnt hv such issues with spore banks cc... all approved without questions asked...

My car loan repayment also no so good.Sometimes 2 month only pay.But i now apply housing loan got a bit problem.I apply CIMB credit card they reject but SCB platinum card can approved.So strange

msia banks