I submitted at 16th Dec, they declined my application on 20 Dec. Asked CS the reason, they said dunno. I will apply again with EPF statement generated from the KIOSK. My failed application was submitted with 3 months payslips although my monthly income is far exceeded the required annual income of 24K.

Same as me, whereby my yearly income is far exceeded the required 36K p.a. I suspected my failure was due to i applied without given the epf statement. I tried to reapplied within the same month with epf statement but direct rejected by the credit department due to applied twice within the same month. I will try to apply again after > 3mths

My application to Watami card finally approved after 2nd attempt:
1. Apply at 1U with EPF kiosk 8th Mar 2014
2. Get verification call at 10th Mar 2014
3. Approved at 11th Mar
4. Received card thru courier at 13th Mar

Lesson learned from 1st failed attempt, did not produce the EPF statement thru the EPF kiosk at AEON Credit service. Hence, guys always apply with the EPF statement generated at the kiosk