i apply CC from bank (XYZ) also got rejected twice. asking for lowest gold status. entry salary RM2K, but my salary way above RM2K

reason reject "bank call", when u ask specific reason they tell grandpa story (not relevant/no answer) maybe they are borne to policy "need to know basis"

call CS XYZ useless they ask me to refer BNM reason reject "can't check the reason" (don't even have courtesy to check with CC dept). went back to branch, sales adviser purpose solution but application got rejected

tips*** u need insider to know how credit check works or else forever been rejected because of missing one supporting document.

my company bank-in salary direct bank (ABC), apply CC Monday, got next-day Tuesday very efficient with plat status***

fyi, i don't own CC for pass 12years. debit card roxx, start with M move to R then last ABC. reason switch from debitcard to creditcard all transaction stop 11pm-1am you can't pump petrol & pay yr bill at this hour even u have 10K in saving call CS ABC, there is nothing wrong with system, they start blaming on terminal problem

this debitcard have so many limitation, worst debit card. does not support eCommerce, no plan for it.

i suspect they forcing me to switch from debitcard to creditcard, another D* tactic from ABC bank *theory only*

ABC
+request for Plat
+photocopy nric + epf statement

XYZ
+request for Gold
+photocopy nric + epf statement + payslip +f.d.