I applied for a CC from Hong Leong Bank, got rejected..

My car loan is up to date, just paid rm2.5k on my CC with HSBC..

Will go to Maxis to pay my phone bill in the evening..

Can anyone explained to me please?

Nothing strange at all, you are an ideal customer for the bank.

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Added on November 20, 2010, 3:49 pmWhat explanation do you want from us?

This post has been edited by charymsylyn: Nov 20 2010, 03:49 PM

That's is known account with your known bank for credit card, loan. what if unknown credit account in your name?
IHMO, Pay a visit to BNM annually to get CCRIS reports is best choice. It doesn't waste so much time.

OT, after that, can go to sogo with CIMB or Amex card after getting the report. it's year end. i believe there got promo in sogo

of course they upgrade ur card limit as you are paying them fix interest rate per month... they are happy wif tat..

thn wif new card limit, they hope u owe more..

wopss...hahaha

that's what in my mind too, bank is greedy

yah, I thought it was you but not sure. I thought someone did took your offer once.

Anyway, to update, my Petronas Plat approved on 16th and today received via post laju.


your HSBC card more than a year and is there any carried forward outstanding?

Also what card did you apply for? Did you submit the relevant documents i.e. income tax form or EPF to proof income?

EDITED***

Just read in CCRIS thread where you mentioned you missed 1 month installment for HSBC and car loan got record 2 months behind. Sure lah don't qualify because you record is bad. Apply for CC after 12 months and from now till then make sure don't miss a single payment. But like b))n asked in the other thread, do you really need another card?

This post has been edited by Gen-X: Nov 21 2010, 12:26 AM

I have a question, when you apply OCBC Titanium Card, the bank said you can use their 24 Hrs Concierge Service.

What is this 24 hrs Concierge Service, thanks.

Can't really remember once or twice successful deal.
I've seen so many similar expression on their faces. What they think is "There is no free lunch" and hence thought I'm a conman.

I'm currently holding a UOB credit card but after seeing the OCBC Titanium Card, I was thinking of changing. Do you think it's a good idea?

The answer is a definite yes if your intention is to save a little bit of money ! (OCBC TI is rebate based, no points awarded)

Any idea with Eon Visa Signature ? Anyone own it? Mind to share? Today call up CIMB to cxl my card, a tea time CS call offer WMC =_=lll... But not interest.. Annual spending less than 30k also applicable to WMC . . . .

agreed if you don't spend about RM10K a year. Max cash back is RM600/year only.

UOB recently got promo 1st 5 person to spend RM1K within a week gets a 50" Plasma TV, 1st 10 people spen RM500 gets Firefly voucher RM500 and 1000X GSC cinema RM20 vouchers.

EON Signature I read their website - RM180K income or card with existing CL RM40K. 2X reward points for overseas spending plus additional 1% cash back for overseas transaction with condition need to spend RM10K overseas and limit cash back RM500. Annual fee waiver if spend RM30K.

since starting jan next year, OCBC titanium rebates capped at only RM50/month, any suggestion for another cash rebates card with no annual fee?

I applied for a cimb cc and i haven`t received it yet... But the card is present in cimbclicks and it shows that i have RM50 to pay, guess its the tax charge.. Do i have to pay tis amount once i start using the card? I thought they waived the RM 50 charge, or what should i do to waive tis cost?

Someone care to explain. Tq

No. They will not waive the RM50 credit card tax and there is nothing you can do.

Don't you know that everyone who applies for Credit Card beginning Jan 2010, needs to pay the RM50 Credit Card Govt Service Tax

more details on your spending pattern.. will you be using the card for petrol or general purchases etc.?

Cards with cashback you can look at:

SCB Business Plat - 0.5% CB + Points
CTB Cashback Plat - various 5% petrol to 0,3% general
Amex Gold CC - 2x points equivalent to 1% CB and 5x points items equivalent to 2.5% CB
Alliance Bank cards (plat, gold, younique)

This post has been edited by zenquix: Nov 21 2010, 08:39 AM

SCB Business Platinum gives 0.5% cash back plus x1 choice point for all local transactions (except petrol). Only overseas transactions are entitled to x3 choice points plus 0.5% cash back.

ah thanks corrected

Especially, those GLC banks won't waive the tax when you firstly applied for CC because it will go against the Big boss(Govt)