Hi all,
May I know if I just start my employment which is 4 months now, can I apply for a credit card?
Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!
Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!
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Apr 27 2013, 11:56 PM
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#1
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Junior Member
69 posts Joined: Apr 2013 |
Hi all,
May I know if I just start my employment which is 4 months now, can I apply for a credit card? |
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Apr 28 2013, 12:21 AM
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#2
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69 posts Joined: Apr 2013 |
QUOTE(fruitie @ Apr 28 2013, 12:09 AM) Yes, you can as long as your income fulfills the income requirement. I wonder the income requirement is based on gross income or net income?Usually banks require 3 months payslip and yours is just nice for application. Good luck. QUOTE(fly126 @ Apr 28 2013, 12:16 AM) 4 months only dude.. lolz |
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Apr 28 2013, 12:41 AM
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#3
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69 posts Joined: Apr 2013 |
QUOTE(fruitie @ Apr 28 2013, 12:23 AM) Gross income. Thanks for your good new She said more secured ma, you can apply in 6 months time. But no issue, I got my first personal credit card during my 2nd month of employment. QUOTE(fly126 @ Apr 28 2013, 12:28 AM) I start work on Jan 2013. EPF statement only showed Feb, Mac and April. With this, do you think I can apply it?For your all info, I want to apply OCBC Titanium credit card. My gross income is Rm3k+. But EPF statement only showed 3 months record. Do you think the bank will approve my application? Another question, do I need to open a saving account before applying OCBC credit card? Thanks in advance This post has been edited by loyalkkk: Apr 28 2013, 12:42 AM |
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Apr 28 2013, 01:13 AM
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#4
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69 posts Joined: Apr 2013 |
QUOTE(fruitie @ Apr 28 2013, 12:45 AM) All I can say good luck for your OCBC Ti application. RM48k annual income also reject? Did they state any reason? If I walk-in the bank to apply, do u think the chance to be approve is higher?Usually if your first credit card application is OCBC Ti, the chances to be rejected are pretty high. This is based on other forummers' experience as well. Nevertheless, this worth a try. Nope, I don't have any savings account with OCBC. I paid my bill via GIRO through Maybank. For your 2nd application, how long does it take to approve your application? QUOTE(fly126 @ Apr 28 2013, 12:54 AM) No Need to open New saving account... just do Bank Transfer 10-20 cent cheap only I just went through UOB One Card. I apply cc mainly for bill payment (i.e telco, astro, utilities, etc) UOB One card only give 2% but OCBC give 5%. However, UOB One card no minimum monthly cash rebate.. This is the winning point. FYI, OCBC Tit. Card Not an EZ Get Credit Card but You can try to apply I also got Rejected By OCBC recently... My Best RECOMMANDATION to You, UOB One Card (EZ to get Card Approval from UOB) Do you know is there any promotion due date for UOB One Card? For now, I will try my best to apply OCBC Ti 1st. If cannot, UOB One card is my 2nd choice |
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Apr 28 2013, 01:45 AM
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#5
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69 posts Joined: Apr 2013 |
QUOTE(fruitie @ Apr 28 2013, 01:18 AM) No, they will not share the reason. Congraz~ if i apply now and get reject, then i appeal again, all in all the application process after the promotion date (30 June 2013), do you think I can get the card if it approve after 30 June 2013?Quite fast after I voiced out my dissatisfaction for the rejection. You can try Maybankard2Card as well. We have the thread in this section. It is the best card to couple with OCBC Ti and I have both. https://forum.lowyat.net/index.php?showtopic=2641365 I also interested in Maybankard2Card. But i found that it is so complicated. Since there are 2 cards, which card should I swipe/make online bill payment? How to maximise cash rebate? You mentioned OCBC Ti couple with Maybankard2Card. Can share how do you use both of the cc to get maximum benefits? |
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Apr 28 2013, 02:20 AM
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#6
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69 posts Joined: Apr 2013 |
QUOTE(fruitie @ Apr 28 2013, 01:51 AM) I'm not sure as I told you OCBC Ti is very strict in their selection criteria. God knows if they have any hidden criteria that not made known to the public. Ic.. If consider only my objective of using cc, OCBC Ti is still my 1st choice If no credit history is also another issue, like your case. Unless you have house loan or/and car loan in hand as well. Basically, Maybank gives 2 cards but my VISA card is always kept in wallet. We only concern about AmEx. For weekends, no doubt if the shops accept AmEx, I will use AmEx. For weekdays, I will use my OCBC Ti. For my telco bills, I will use my OCBC Ti as well. Thanks a lot QUOTE(fly126 @ Apr 28 2013, 02:02 AM) I X know True or Not, the agent who submit my application said , he also x have OCBC Tit. for himself...although as a OCBC''s Staff...funny isn't it I tot staff cannot apply de? |
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May 1 2013, 11:35 PM
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#7
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QUOTE(lsding @ Apr 30 2013, 11:06 PM) OCBC announced today that their net income declined 16 percent from a year earlier to S$696 million. I think the bank should take up more cc biz especially in Msia in order to push for the higher profit margin. Hopefully they may decide to ease their tight cc approval strategy. I also hope they easy their CC approval. I have make online application of OCBC Ti credit card last weekend. I still have not hear any news from them =.=Source: Bloomberg news Is it necessary to apply on working days? or do I need to call up the customer service line to follow up? |
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May 1 2013, 11:50 PM
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#8
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69 posts Joined: Apr 2013 |
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May 2 2013, 12:28 AM
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#9
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69 posts Joined: Apr 2013 |
Shyt.. I got one chance only.. after reject, there is no time to make appealling
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