Why if i apply credit cards from some banks, even stated thru its eligibility : require mykad, latest 3 months pay slip, EA form, bank statements, EPF or latest income tax docs ; but when i applied online, the sales officer told me to fill in the form, scan my IC, and my 3 months pay slip, that's all.

I dont have any accounts with those banks, but is the docs that they asked me to submit already sufficient for the credit card approval? Banks so far: uob, citibank, ocbc and public bank.

Anyone had similar experiences?

Well, i think that if the banks i applied never ask for my epf, bank statement proof. Probably because i directly apply thru their credit card sales staff. Or does that matter?

Nope, i'm in a sdn bhd company only.

The most they asked would be employment letter and 3 months payslip.
Is it because i had used credit cards for more than 1 year? I'm not sure if they could check my history

It's kinda funny, since the SA asked me to scan my ic , payslips and email back to them. How are they going to check my rough epf credited, if they dont have my thumbprint or my physical mykad on the spot ? Seems like oversea banks are very loose on the application, such as uob, ocbc, citibank, hsbc..etc

Your ccris sure goes from ok, to terrible. After three months non payment, they block ur credit card, send you letter of summon, then that will be permanent in your ctos. Then you are not eligible for any loans or credit cards anymore, until that clears off. Debt accumulate until rm30k, you can be bankrupt, then you can get fired from ur job, cannot get another job, work till u need to clear and pay the debts, u cannot leave country, u are blacklisted. So future not so bright.

This post has been edited by blakedexter47: Feb 1 2013, 06:47 PM

During that procedure, i think it's already a bad record in view of other banks. My friends dad was a bankrupt . He must have spent a lot of years plan debt proposal before he finally labelled bankrupt