Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsRecommendation for Credit Cards V2, Please post according to Format stated.
|
|
 Mar 11 2014, 12:19 AM
Return to original view | Post
#1
|
 
Junior Member
399 posts Joined: Dec 2008 
|
Hi bro , i had been rejected by HSBC , CitiBank and Hongleong wise card . i got my basic 2900 + allowance . my background is very clean coz i just work around 1 years including 4 months in recent company. i got no any housing loan or car loan . Why so hard for me to get one credit card? Any bank is the easiest for first time to apply cc ? i need help ...
|
|
|
|
|
|
Mar 11 2014, 06:27 PM
Return to original view | Post
#2
|
|
Junior Member
399 posts Joined: Dec 2008
|
QUOTE(fly126 @ Mar 11 2014, 01:00 AM) As I Replied You Early at the Hong Leong Wise Card Thread U Have Rejected by ALL the Bank Reason of: I have epf from 2013 till 2014 every month . I have confirmation letter too . UOB one card is easy for me to get first ? how about public bank and standard charter?The Reason Why the Banks Have Reject Your Apps: You Don't Have a Stable Job Yet, due to You Baru Tukar Kerja...  Usually, the Bank will Reject the Applicant Who on his/her NEW Job within 6 Months (Maybe still on Probation) Not having Stable Job yet, Even EPF's Contribution also the Bank want to See You with min. 6 Months Records before They Consider to Grant U a Credit Card ...  Why U want a Credit Card in such Hurried...??? But Anyway, You can try to get UOB Card or RHB Travel Money CC They Evaluation are More Lenient Compare with Others... , Build up Your Credit History 1st & You will have More CCs, Later on ...   |
|
|
Mar 11 2014, 10:58 PM
Return to original view | Post
#3
|
|
Junior Member
399 posts Joined: Dec 2008
|
QUOTE(fly126 @ Mar 11 2014, 09:30 PM) What I Mean Your New EPF's Contribution on Your NEW Job the Amount is Different from Your Old One, Isn't It...??? yup , correct . but my salary is about the same . never get lesser than previous . If i do apply in the same time , does the bank know i am applying for both bank together ? i do not have any loan and cc yet , tat why i feel hard to apply . i have stable current address .U Must Understand that Nowadays, the Banks are More Stingy than Last Times... Now, they want to see Your Latest Income Proof... Even They will Grant a CC for You, Trust Me Definitely With Very Low CL... Believe Me or Not, I Even get a Card from HSBC with CL $2000 Only (Tiada Cukup for Me to Buy i-Phone)...  What U can Do Now: I) Must Project Yourself a Stable Image You Must Understand that, The More Settled & Stable You Seem... the Longer You have been at Your Current Address, in a Job, the Better or Higher Chances to Get Your Loan/ Credit Card Approve...  II) Limit Your Apps Never or X Apply for Maybe more than 2 Credit Card or Loan Deal at the Same time... If the Bank sees that You have applied for 3 or More Cards/ Loan in a Short time (they can See It at Your Credit Report), They Will Assume You're in Desperate Need of $$$... Desperate Ppl Don't make Good Credit Risks / Not a Good Pay Master, For Sure Your Apps X be Approved...lah So, Pls Don't Rushed for Multiple CC Apps at the Same time, Maybe U can Wait for Another 6 Months (Cooling Period) Later, U Can Submit a Fresh CC Apps with Your NEW Stable Look...  |
|
|
Mar 11 2014, 11:19 PM
Return to original view | Post
#4
|
|
Junior Member
399 posts Joined: Dec 2008
|
QUOTE(fly126 @ Mar 11 2014, 11:16 PM) Yup, They will Know coz the Bank Submit the Report every Month to Bank Negara... Oh no ... i just apply 3 banks and fail all . really pissed... ie, Now is March They can View Your Feb Report...  |
|
Topic ClosedOptions
|
| Change to: |  0.0192sec
 0.41
 7 queries
 GZIP Disabled
Time is now: 3rd December 2025 - 11:48 PM |
Quote