just want to clear my doubt.

normally if never own a credit card before, to apply you need some document such as efp, bank statement, salary slip and so on for them to verify that i have the annual income total of rm24k so they approved the credit card for me.

ok. now i have own a credit card already. the problem is now my salary is lower than rm24k. do they still need my document to submit so they can do their verification. i heard some people say that if you have an existing credit card, it will easy to apply and approve another credit card???

if i wan to apply for citibank credit card is it hard to get approved?
i have apply for it and come back rejected twice.
but before this most my friend apply citibank sure all reject.

why ya? :star: :star: