hi
i need advice.
I can't apply for credit card and personal loan. Always declined.
The reason is over commitment.
My monthly salary is RM4000.

The reason of overcommitment is because my dad (very high income and over age 65) always use my name to joint loan with him.
So when the banks see my profile, it always show that my salary cannot cover my loans payments. BUT actually every month my dad use the rental income to cover the loans and I never have to use a cent from my salary to pay the loans.

Is there any way I can get a credit card and a personal loan??