Hi guys, my application was rejected. I've been working for 5 months already and do not have any debt/installment/financing. Annual income is slightly above the min requirement. However, i do have a MBB2 credit card and have been using it for close to 2 months.

Can i know how to submit an appeal? I asked CS officer how to appeal and he told me to resubmit application 3 months later..

better to see the t&c 1st...
website is not updated yet

how about insurance will be getting any cash back?

by the way how are we able to check do they give us the cash back

I beg to differ. At least 1% cash back is better than other cards. So smart spenders will be using which card for other purchases that do not accept amex?

Well....just 2 days ago...OCBC stuff contacted me and tell me to reapply for it again after the previous stuff rude to me. Do you think I will reapply again, I'm going to check whether my emotion and pride will do that or not? Its not about the quanlity stuff, is something wrong inside the OCBC system. I have enough cash in hand to ensure I can survive 3 years without work. Even my friend with lower pay and have debts still get the OCBC cards.

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Added on May 5, 2012, 1:38 pm

Ya, you are right on this. But its like an insult to good potential customer like said I don't care you are customer or not  even you are quanlify, I can reject you all I want. Best to mention in another way is "LANSI" in hokken.

No, I will not be apply for OCBC again so there will no joke on myself. 1st of all, I didn't not contact cs. 2nd they contacted me and told me that I'm not quanlify and my application been rejected. So, here is my response:
me - may I know what are the reason I been rejected?
(male)cs reply- this is company confidental, therefore please reapply in another 3 months.
me - Why my friend with lower pay and more debt still able to get the cards, I need a explain on this. I don't think I will have issue applying other CC with my quanlification.
(male)cs reply- your friend were getting it or not is not my business, if you not happy please apply other CC.

Close my phone after that.

So, don't you think that sounds like "we OCBC CS are not interested and don't care to have you as our customer at all"? I do admit that I not a very rich guy and don't own million of dollars and OCBC has any right to reject me as they are free to do business with me or not. But still do you think some proper NLP training is needed for that CS?

I don't care they are in 1st, 2nd or 3rd. Any bank also can be on top as long as their investment are going fine. All I care is CS.

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Added on May 6, 2012, 2:55 pm

Yes. I have no credit card history, but how you can explain this? My friend don't have any credit card history too, but he have housing loan. Maybe OCBC will go for anyone with debt history?

So if I have no credit card previously no point I apply for this card?

Finally OCBC people called me and said it is already approved. Phew. Already sent out yesterday.

So, calling to CS makes a difference. My agent is basically useless and asked me to keep waiting. I should have talked to the CS earlier.

Surprisingly, the CL is slightly higher than my Maybank2Gold.

The problem is the card was sent to my house address, I'm sure my parents can't sign on my behalf.
I can't go back this week due to job commitment. Haiz. Another headache. I couldn't stop them as they already sent it out yesterday... I mentioned to the agent to get it sent to my office actually...

Yes, no more agents. I nearly vomit blood due to the waiting time.