Personal Loan - V2, which banks offer the best deal?
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 Oct 31 2011, 04:32 PM
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#1
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Junior Member
144 posts Joined: Jan 2010 
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im just start working for almost 6 month now...basic salary is RM2.5k and got allowances also...working in an MNC company in cyber...wanna make loan around 10k for clearing of CC and also to use the balance for personal use. been rejected by Maybank - reason is high CC usage, CIMB - still haven't work for 6 month, Al-Rajhi - Haven't work for atleast 1 year and dont have CC for atleast 1 year, SCB - Dont have CC for one year....Ive been rejected 4 times within 1 week! i really need to clear my CC becoz i wanna cancel it...Any sifus can help me?
Details bout me:- Been working since 13th May 2011 Have car loan and ASB loan <- Never late pay Gross salary RM2500 2 CC from Maybank limit of 5k <- CC own for less than 6 month Am i not eligible for any PL? can help me get one? really need to pay off my CC  |
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Nov 2 2011, 01:11 PM
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#2
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Junior Member
144 posts Joined: Jan 2010
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QUOTE(sonerin @ Nov 2 2011, 08:02 AM) Word of advice never take loan to pay off cc. You will be in bigger problem later. y is that bro? but still i need to clear my cc |
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Nov 11 2011, 11:45 PM
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#3
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Junior Member
144 posts Joined: Jan 2010
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QUOTE(kenshin1 @ Nov 11 2011, 08:10 AM) contract stuff?? avoid sector for most of the bank.... aliance bank 1month++ can ask already? are u sure? i apply from alliance bank and they dont even ask for my offer letter...straightly reject maybank do not do ploan such active... sure rej... aeon depends... did u do any installment plans when buying some stuff? cash on call? if u do... u kena lock limit, when u kena lock at current card, n keep buying till near to limit, i hasnt reach or overvburse... but in CCRIS is already overburse... OVERLIMIT, also a rejection...(score failed!) min working period in bank (6mth-12mth) depends on bank... alliance (1mth++) also can but required offer letter than u get it when u got the job  |
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Nov 14 2011, 10:53 AM
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#4
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Junior Member
144 posts Joined: Jan 2010
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QUOTE(kenshin1 @ Nov 12 2011, 01:47 AM) yes... at least 1 whole month.... that's y i thousand times recommand, pls do not deal with stupid banker... MOST OF THEM DO NOT KNW WAT THEY R SELLING, WAT ARE THEIR PRODUCTS...some bankers also do not believe their products ....Zzzz... i hv plenty of customers came from dealing ploan with branch staff.... doc not fully signed, no fully details, less doc.....alot of small lil things...make the cases reprocess n reprocess again....even a month... if 1 time reprocess, u shld start thinking to change a banker when requesting to reprocess the 2nd time...(for ocbc customers, pls dont do this ,they might loose their job) p.s. im speacialist in ploan dept btw Tell me whats the process and requiremnts please..really need to apply PL Added on November 14, 2011, 10:55 am QUOTE(kenshin1 @ Nov 12 2011, 01:47 AM) yes... at least 1 whole month.... Tell me whats the process and requiremnts please..really need to apply PLthat's y i thousand times recommand, pls do not deal with stupid banker... MOST OF THEM DO NOT KNW WAT THEY R SELLING, WAT ARE THEIR PRODUCTS...some bankers also do not believe their products ....Zzzz... i hv plenty of customers came from dealing ploan with branch staff.... doc not fully signed, no fully details, less doc.....alot of small lil things...make the cases reprocess n reprocess again....even a month... if 1 time reprocess, u shld start thinking to change a banker when requesting to reprocess the 2nd time...(for ocbc customers, pls dont do this ,they might loose their job) p.s. im speacialist in ploan dept btw This post has been edited by telomasen88: Nov 14 2011, 10:55 AM |
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Nov 25 2011, 12:16 AM
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#5
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Junior Member
144 posts Joined: Jan 2010
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I still need option on which bank can provide me PL...been rejected by 6 banks...need loan around 10k....need to help my parents to pay off the house...aih...anybody can help?
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Dec 14 2011, 04:32 PM
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#6
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Junior Member
144 posts Joined: Jan 2010
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ive applied for HSBC PL and last monday they call me to validate address...they call me 2 times, the 1st time im not sure from which dept but the second one is from the credit card dept...both want to validate my address...what does validating address mean? loan approve already is it? can anybody help me to explain to me?
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Dec 30 2011, 03:50 PM
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#7
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Junior Member
144 posts Joined: Jan 2010
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finally now i know why ive been keep on rejected...its because of my score!!!! damn u score!!!!! even easy rhb rejected me
 ...anybody can help me???? |
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Dec 31 2011, 02:27 AM
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#8
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Junior Member
144 posts Joined: Jan 2010
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the banker said no ccris...my cc is mereley 40%
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