Hi,

I'd like to make a personal loan but so far i was told by Alliance Bank that they (and most banks) wont approve the application if i have no credit history. Currently i only have a credit card which i got in January 2013. The person said if i have had that card for more than a year then it might be possible, but if not it is likely to be rejected.
Apparently having no commitments such as car loans, housing loans or even ASB loan makes it hard for me to get a loan.
I have been working for 2 years, private sector, salary slightly more than rm3500, no commitments.
Is there any banks that offer personal loan for my case?

Sedih lah like this, so hard to get a loan