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 Credit Card v16, Ask general questions here, Please read the 1st post before posting!

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JonnY
post Dec 14 2011, 03:30 PM

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Is it so hard to get a credit card? I had been working for 6 mths now and application being reject by 3 bank.

Is is that someone need to work for 1 year in order to apply credit card?
JonnY
post Dec 14 2011, 04:16 PM

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QUOTE(MilesAndMore @ Dec 14 2011, 03:53 PM)
So, is it just premier and gold class or in all classes ?
Just 3 months will do actually.
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I can't seems to find any reason why they reject me. Had applied for MBB, AMB and UOB all got rejected. Given them printed online account statement where my salary accredited, 3 mths payslip, epf statement and offer letter from company.
JonnY
post Dec 14 2011, 06:06 PM

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QUOTE(MilesAndMore @ Dec 14 2011, 04:23 PM)
It could be that your record is too clean or you've been a guarantor to someone else that someone else has defaulted on his bills before, thus affecting you.

Anyway, you can try some other more lenient banks such as CIMB Bank, Citibank or Standard Chartered Bank.
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QUOTE(TeraPox @ Dec 14 2011, 04:24 PM)
no la... normally after 3 months they will give... as long as ur background is clean... hmm.gif

maybe u can try some "aggressive bank" first... like CITIBANK, OCBC.
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I think my background is clean ler... had check CCRIS and got nth ler... never had loan from bank except yayasan sarawak and ptptn... never be anyone guarantor also....

This post has been edited by JonnY: Dec 14 2011, 06:08 PM
JonnY
post Dec 14 2011, 07:12 PM

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QUOTE(rockefeller @ Dec 14 2011, 07:04 PM)
Your salary credited to which bank? If Maybank, get the branch manager to give you pre approved credit card easier.
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credited to ambank. Can do like that??
JonnY
post Dec 15 2011, 10:24 AM

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QUOTE(chemistry @ Dec 15 2011, 12:49 AM)
Mind to tell which Uni you graduated from ?  blush.gif
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Curtin University in Miri.
JonnY
post Dec 15 2011, 11:36 AM

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QUOTE(cute_boboi @ Dec 15 2011, 11:08 AM)
For first-timer CC applicants, just keep try applying all banks. You need the first card as your future reference. Most likely you may not get the bank of your choice.

Same with me, my first CC, prefer Citibank. But was rejected. So I applied MBB and got it.
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But mine got rejected by MBB, UOB and ambank.

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