Just wanna share my experience with you guys..

Kenshin1 roughly knows what he is saying. Good advice from him.

Im 25 years old and working in the private sector.

My salary is 5k per mth and 5.5k if plus allowance.

Got 3 credit cards - 5k limit each. Total 15k limit. (already used for 1 year 6 months) - all cc got outstanding.

I also have a car - paying RM580 monthly.

Also just bought a house - paying 1250 monthly.

My CCRIS record is the best in the planet! Haha just kidding.. but definetely the best in my Taman ok.. haha! I dont have "1", "2", "3" all.. all my loans and credit cards record shows constant "0" (which means prompt paymaster) for more than a year. (ps. im a former BNM subsidiary employee, so i know how important is the need to have good CCRIS record)

Now i need to apply for about 20-25k loan. Been applying for a quite a while - RHB Easy rejected, CIMB XPress rejected, HSBC rejected, stan chartered rejected, OCBC rejected, bank islam, MBSB, & bank rakyat all offer for gov workers only. All banks couldn't give me reason for the rejections! Now im trying AEON and Maybank.. Hoping that either one will be approved.

I think they have something about me being 25 yrs old only. Maybe they are scared that im too young and wont be able to maintain my finances! Kinda pissed with all the banks now! Good credit record, prompt paymaster, ok salary but still they dont want to approve my personal loan!

Sigh... just sharing my experience.. Good luck to others!