There's a 6 months cooling down period, no?

Just get another card 1st if you need to use it, then re-apply when the time comes.

Yeap.

Blame the actuarial that calculated your risk factor

Tbh la, the more debt you are in, the more inclined the bank to provide you a credit card.

Staffs so what? I rather not take the risk, besides applying credit card requires plenty of personal information that might cause problem for me in the future.

My advice is to proceed with care.

If you really want, meet them at the branch they are supposed to work at and fill the application on the spot with them, I guess.

Don't worry, some banks are like that. Just appeal, if not, move on and wait for them to offer you.

Sure?

No card is a little hard, since I practically work in a bank

And this calculation is based on?

I mean, any proof on whether they really use this method or is it just a mere guess?

This son, I HAVE to agree with you

I know a person that earns less than the amount needed and in tonnes of debts, but the bank still offers him a CC

So Cheers.

You do know, you can apply another CC so don't be too dishearten.

Fool proof way to get your OCBC TI is to go commit a huge amount as FD.

Then you will be lucky enough to qualify since you proved you have plenty of money to waste