My application was rejected to day.
I do not know why....
Any sifus can help me here???
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 Nov 16 2012, 10:38 AM
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#1
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your  
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Nov 16 2012, 10:53 AM
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#2
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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I've fulfilled all the necessary criteria, pay my car loan on time every month and never max out my current credit card(Maybank 2Card). What is the reason then???
In the letter they say they're unable to reveal the credit evaluation criteria..... Sigh. |
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Nov 16 2012, 11:09 AM
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#3
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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Any idea where to find 1? Last time i apply online thru OCBC website.
Thanks. |
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Nov 16 2012, 11:16 AM
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#4
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(alexis2power @ Nov 16 2012, 11:13 AM) Don't apply through online if possible because the rejection rate is very high. Ok thanks. Just emailed the bank agent asking him to look into the matter for me.I suggest you try to appeal first if you manage to fullfilled all the criteria, if rejected again then I will provide you the sales manager contact number.  |
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Nov 16 2012, 11:30 AM
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#5
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(alexis2power @ Nov 16 2012, 11:19 AM) Did you submit the lastest 3 months income documents & income tax statement? Yes i submitted 3 months income and bank statement, They request for income tax statement.May I ask what is your annual income & the credit limit for your maybank2card? BNM had set a new rules, therefore, it had tighten the regulation & OCBC is very prudent on approval for the card. Annual income >50k and credit limit for maybank2card only 6k (1st card classic card from maybank then they offer me maybank2card but still same combined credit limit. I also never to bother to ask for increase coz no need to use so much per month.) |
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Nov 16 2012, 11:49 AM
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#6
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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Ok, I'm waiting for the agent to reply my email. Should I do the appeal thru the agent or sent a snail mail to bank directly? Which 1 more effective?
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Nov 16 2012, 11:56 AM
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#7
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(alexis2power @ Nov 16 2012, 11:54 AM) The most effective is either you email them directly or you may call the CS hotline(faster processing). Ask the relevent CS agent to appeal for you. Tell them what are your reason for appeal. They can write on your behalf to proceed with an appeal. They will call you if they required more supporting documents from u. I see. thanks for your help!!!  |
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Nov 20 2012, 05:08 PM
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#8
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(pisces88 @ Nov 20 2012, 04:53 PM) hi then_then, Yeah I'm in the same boat as u, just got my application rejected last week after 3-4 days processing. Damn fast.im below 28, degree holder, got credit card, got car loan, die liao lo? haha.. but i think my commitment not that high compared to my income though.. and i will cut off my UOB card after i get this card. I called up customer service and they suggested I write a letter for review of application. I've done that and are now waiting for OCBC to call me...  |
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Nov 21 2012, 01:17 AM
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#9
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(then_then @ Nov 20 2012, 09:36 PM) U can try de..haha..I will try my best to help u de.. Thanks but I'm currently in the process of appealing the application. If get rejected again I will seek for your help.Added on November 20, 2012, 9:37 pm If u don't mind, Juz sent me ur name n ic no..I can help u check the details.. Thanks for the offer again. |
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Nov 23 2012, 10:40 PM
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#10
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(guy3288 @ Nov 23 2012, 09:26 PM) anybody applied online? Better dun apply thru online. Vy high rejection rate.there is no form, only ask to leave name contact . Anybody had done it this way? what is the chance of rejection apply online? Find a sales agent. |
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Nov 29 2012, 03:00 PM
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#11
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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Today someone from OCBC called to speak to my HR and verify my company name/address... Finger crossed my application will be successful.
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Nov 29 2012, 06:00 PM
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#12
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(coolkid23 @ Nov 29 2012, 03:12 PM) ya, small SME they will call. like my case. I guess one of their risk minimizing strategies... |
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Nov 29 2012, 09:38 PM
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#13
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(Pink Spider @ Nov 29 2012, 08:37 PM) Got my RM50 rebate after calling up OCBC U applied online or thru agent? |
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 Dec 6 2012, 02:58 PM
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#14
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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Applied credit card online => Rejected => Write in to appeal decision based on OCBC's CS recommendation => OCBC called HR to verify my employment => Received letter from OCBC rejecting my application again.
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 Dec 8 2012, 05:50 PM
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#15
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Junior Member
38 posts Joined: Apr 2011 From: Koala Lump Your
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QUOTE(guy3288 @ Dec 8 2012, 02:35 PM) ocbc is like that wan, simply reject. No work ma, too free........you resubmit, disturb them, call, appeal then only ocbc will approve. I did all that, still rejected.... My case also like that. The people in OCBC need more work then only satisfied........... Straight forward case also reject, this ocbc really   |
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