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Credit Cards Credit Card v18, Post/Ask general questions here, Please read post 1-3 before posting, tq

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shawn87
post Jul 21 2014, 03:15 PM

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i saw at the first page i cannot apply cc even though i owned a credit card more than a year? may i know why... last time can right?
shawn87
post Jul 21 2014, 03:20 PM

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QUOTE(fly126 @ Jul 21 2014, 03:17 PM)
Rules from Bank Negara... nod.gif
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oh so now dun haf tht policy anymore? hmm.gif
how about to add 1 more card from the bank that im already using? do i need to provide my docs again or they will proceed based on my payment history? (good paymaster)
shawn87
post Jul 21 2014, 03:45 PM

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QUOTE(fly126 @ Jul 21 2014, 03:43 PM)
YES, a Compulsory from Now... nod.gif
Whether in Card Upgrade, Increase Credit Limit or get an Additional Card... They will Need Your Latest Income doc as Supporting to Evaluate/ Process Your Apps
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ic.. so no matter what from now on to get a card need a proper documents...
thanks for ur info.. have to get the docs ready for application..

i heard from my fren said bank might offer u credit card if u have loan from them.. car loan or housing.. also no longer exist?
shawn87
post Jul 23 2014, 01:58 PM

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some of them submit every docs and eligible to apply yet got rejected.. somes gave old epf and pay slip (not latest) approved by bank... is it easier to get approval if apply through the cc booth?
shawn87
post Jul 23 2014, 03:15 PM

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QUOTE(victorywp @ Jul 23 2014, 02:55 PM)
yes, it's easier to get approval if you apply through cc booth than if you apply from the branch.
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i tot its the same since the approval is from the bank itself? or this cc booth agent has magic word makes the application easier to approve?
shawn87
post Jul 23 2014, 03:52 PM

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mine got rejected from bank (CIMB) but approved from booth.. (OCBC)
shawn87
post Jul 23 2014, 04:05 PM

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QUOTE(Human Nature @ Jul 23 2014, 03:57 PM)
Still, it does not prove that the approval is easier.
Different bank different criteria
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cimb bank only ask for my epf statement.. they said epf and IC itself is enuff (as written in the form 'epf statement or payslip or xx' i cant remember)
end up got rejected even though i fulfil the criteria.. i would say that bank staff is not that familiar in this credit card application process/procedure.

for booth they r expert already.. they know what exactly bank/ approval department wants to get the card approved.

i would say its not easier to get approval but its more efficient and easier

This post has been edited by shawn87: Jul 23 2014, 04:07 PM

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