1. I called the hotline, and it said rejected, but its automatic message.I have asked the agent to appeal.
2. I called the bank, no news from them.
3. I did not get a call from OCBC, my application submitted last tuesday.

As long as if you are within the requirement, your application would be fine.

It is within requirement.

bank negara malaysia credit card guidelines

The eligibility requirements for credit cards are revised as follows:

- The minimum income eligibility for new credit card holders is set at RM24,000 per annum;

- For cardholders earning RM36,000 per annum and less, the following would be applicable:-

Cardholders can only hold credit cards from a maximum of two issuers.
Existing cardholders who currently hold credit cards from more than two issuers are given up to the end of 2011 to select their preferred issuers. Cardholders will also be given at least two years to service their outstanding credit card debt for the credit cards that have been cancelled for the purpose of meeting this requirement.

The maximum credit limit extended to a cardholder shall not exceed two times their monthly income per issuer.
For existing cardholders, whose credit card outstanding balance exceeds the maximum credit limit, a grace period of two years will be given to them to meet with the new requirement.

I meet all requirements, above 36k, so no problem la.

And i've read all the T&C and BNM guidelines before applying.

Anyway, i found out the reason and its not because of income.


This post has been edited by MYstombox: Apr 11 2012, 02:54 PM

Wait a minute, I didn't know that... meaning if you have a credit card each from Citibank and OCBC, you'll not able to get a third card from say MBB?

Only if you earn below 36k/annum

Ah ok, I need to read carefully. Thanks.

ya besides that the rish/loans/background will be checked thoroughly

Mine was rejected too, now in appeal session.
Status: Unknown
I fulfill every requirement though.

1. The agent can't answer as he is not sure why mine is rejected
2. The agent called and informed me
3. Less than a week

A very similar to my case, and now I am the holder of Titanium.

Guess they delay this approval to meet their every month's sale quota. Who knows.

Agent told me the reason, -.-'
stupid reason though on the bank's part.

I'm not sure why but my intuition tells me that my appeal will not be successful.

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Added on April 11, 2012, 3:59 pmEr, OCBC Ti's minimum requirement is 36k per annum. So the above ruling should not be applicable in this case.

This post has been edited by fruitie: Apr 11 2012, 03:59 PM

fruitie, my agent told me the reason, but yours doesn't know the reason?
My agent appealed for me already.

Hi, just to confirm, the online number that you called is it, 1800 363 3333 ?
Thanks!

Yes, my reason is unknown. Probably he doesn't want to tell me? I don't know... He just asked me to submit in my EPF statement for him to appeal.
More than a week already, I followed up on Monday, he said still in appeal state.

1300885000
Follow instructions on the menu, inside the credit card menu, got an option, 4, i think that allows u to check the card.
You need to key in ur IC number. After that it will tell you your IC number, the card applied for, and status.

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Added on April 11, 2012, 4:12 pmI think they can find the reason la, its their own interest also, can get commission.

This post has been edited by MYstombox: Apr 11 2012, 04:12 PM

I didn't know can check through this no.
So just called, first application was not successful. Second application says "card in processing".
Looks like I need to stretch my patience a bit.

This post has been edited by fruitie: Apr 11 2012, 04:16 PM

I checked through that method, by calling the number and typing in my IC number.
After that I tried talking to the CS officer, which is utterly useless.

So I called my agent and asked, and she told me the reason.
But she said she already appealed as she knows my case and I already explained everything to her before I submitted my application.

After calling 1300885000 and follow MYstombox instruction, it told me the application is pending for some documents... i already submitted all the required one though.