Have submitted CC Application for HSBC Amanah. Salary is about 40K per annum, Liability around 650 per month, didnt miss any payment at all. Yet my application declined. Any idea what is this due to what reason?

I'm aware about that. Just curious why client with over 3K salary and only 20% liability with clean record been declined in his application. Since I’m more interested to HSBC due to its worldwide recognition as I’m often traveling osea on company trip.

Yes and No. Visa and Mastercard logo yes is a worldwide standards. But no to some reason. For EG, my colleague went to not so famous country, and try to swap he's Maybank Platinum CC. But the salesman/shop refused to swap the CC, coz he doesnt recognised 'Maybank' eventhough with MASTERCARD and Platinum marks on it. This is additional measurement that includes in my criteria, as my job is not only heading to big country but more focusing to LDP (Least Developed Country).

Noted sir. Im aware about that. Im just wondering if any sifu here have any idea what its due to.

Dear Mr. Hye, im clearly aware that im not the only one in this forum who has travelled abroad. Please dont mislead my intention here. Im just asking and looking for any idea's about my problems. its not to show off or proud of it. At the mean time yes im looking for advise. But some of the forumer here may mislead my intention.

Its more to the mentality on the countries visited. Eventhough they dont have HSBC present in their country, but they recognised HSBC, Citibank credit card and Amex type. The said countries such Bhutan and Burkina Faso.


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Again, im not here to show off or looking for troubles, just looking for advise and answers if any. Please accept my deepest apologies if my issue lead to any inconvenience caused to you.
Regards

this is actually my first application. I guess this is the main reason as well. Now I'm planning to get Maybank (Amex + Master/Visa) card. But not sure if its the right decision.