QUOTE(wild_card_my @ Jan 19 2013, 10:17 AM)
Strict huh? Okay, thank you for the heads up.
Btw, if rejected how long gotta wait to reapply?
As a banker (mortgage), I'd say if you do not have any CCRIS history, no one would know how your repayment habit is. Do you have any non-bank loans that you pay? Like PTPTN, etc? You can use that as an appeal you know?
No. My studies were funded by my parents completely.
QUOTE(Titan_Gunners @ Jan 19 2013, 11:44 AM)
Bank have their guideline for risk management.
Lack of credit history also consider rick for banks.
Thus, just give a try as this indeed a must have cc by now.
I ady have the maybank2card. This is just to supplement my amex but well I can always go for UOB if I get rejected again.
QUOTE(chloe999 @ Jan 19 2013, 12:26 PM)
I have car loan and this is 3rd bank i applied but got rejected and my agent couldnt get any reason ..
ridiculously , UOB called me next 3 days n offer me their cards ==
Actually UOB called me the same day I submitted my application for OCBC. Will apply from them if OCBC rejects me again.