I'm not a sifu, but sounds dangerous to me. What are you going to be using for? Digging debt hole?

Sounds like a big amount which you will not be able to pay back and in the end the bank make money off you.

Unless you give more details as to why you need to do this and no other option.... I think best advise for you is stay away from CC. CC will kill you if you cannot pay back.

Most likely you are considered high risk already, that is why your PL was not approved. Getting a credit card is not really hard, provided you are not over exposed.
The older you get, you'll realize that it is better not to mix your money with friends. It is totally fine to be big boss and buy them meals once in a while but when it comes to this kind of thing, it is better if you shoo him/her off by telling him/her to go to his/her own family for helps.

I think singdreams would have heard again and again about bad cc usage. I am not pointing at anyone but all I can say is that, I was stupid and time can never be turned back. I was in a hole (1cc), then balance transfer another bigger hole (2cc) and then tried to Personal Loan to pay both cc. Did not take much till i got both my cc maxed again with a Personal Loan. Always minimum payment, and I do not bother about the interest cause I do not want to know. Today I feel very stupid. If only I spent those hours, looking for property or jumping on a market bull run.

When I wanted to get married, then I realised, not only I do not have savings but I kinda owe 30K over. Kinda hit me badly went I was made to leave my comfortable home and rent for myself. This time sat down took a good Personal Loan, paid all three up, CUT (REALLY CUT) the darns cc, pay fines to the SCB blood sucking Personal Loan and pay my single PL up(if can double/triple pay during bonuses). After 5yrs settle jor.

haha, dunno if my history helps, coz at that time I was so deaf to any advice. Hope singdreams do not go any deeper. Its not worth it.

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Thanks cute_boboi for the MBB-2 thread, ill start reading about it now. V6 dy.. lots of catching up to study..

thanks again all, awesome people here.. cheers