can, as long as ur annual income sufficient enough for the card u want to apply...doesnt need to 3 months payslip so much if u are fixed income earner, ie:u drawing 2500 every month, just give them latest month payslip will do or epf statement, for bank statement is to show the salary crediting when ur payslip is not acceptable, so they will only pend u the doc.

just submit copy of ur NRIC and your payslip along with application form then will do, anything the staff u call u up or they will mail to u and fllw up with any additional docs they need.

they where can get ur financial information from database?if like that, cm privacy is a matter to worry liao...they can only retrieve the info if u are existing OCBC card holder or using their saving/cur acc for salary crediting, then only they able, else ur card couldnt proceed any further.

1stly, those SA they couldnt know whether u are existing CM for OCBC anot cz they cant check on the spot, and a new cm is a MUST for NRIC. EA form is normally for those self employed or commission earner, EPF is to calculate ur monthly income if ur payslip is not an acceptable doc,ie:ur payslip got signature or not a computerized one...they asked in once is better than they keep sending u letter or giving u call if the doc is not sufficient.

as u said it HSBC CC, it isnt OCBC, diff bank they have diff R&R, and diff senario on diff cm, maybe ur friend does has acc with HSBC? that why less hassel..i guess...