QUOTE(chiahau @ May 9 2015, 05:02 PM)
Just curious, I have recently tried to apply for a Citibank card.
My income on papers are definitely above their requirement but since it's my 1st year at work, I don't have any commitment ( car fully paid up, no housing loan since not found the right property and no credit card except for Maybank which was given free ), the person over the phone told me that I'm not qualified to apply for a Citibank card because I don't have any loans, debts or whatever.
He asked me to try again sometime soon ( 1 year or so ). Just curious whether anyone faced such situation before.
i think you don't use your card often or not enough payment behaviour in the last 6 months.
maybank might have given you perhaps because your salary goes in there?
QUOTE(rayz2003 @ May 9 2015, 05:06 PM)
have the same issue on Citibank as i'm working on local company, not those international or MNC company...
if you're working on local company, they required you to have loan or other credit card with good repayment history to get your citibank card approve.
if you're working on international company, can get approve very easy.
my friend working in international company have lower salary than me also can get but i can't get.. (so annoying..)
so i go apply MBB 2 card, get approve for platinum card...

i don't think it has anything directly to do with MNC or non MNC
i don't think they discriminate that way.
FYI if i open a chinaman company in Singapore and a branch in KL, technically it is MNC also.
it depends on the company. they tend prefer companies that are reputable (which includes many MNCs)
this is true for CIMB as well since I have worked there before.
imagine....anyone can open a sdn bhd and hire staff these days.
so if you work for a small firm it is not so favorable from risk assessment perspective
so maybe that's why
QUOTE(chiahau @ May 9 2015, 05:39 PM)
Lol.
Screw Citi then.
I got platinum for M2C already.
I actually want the clear card for cinema and coffee only.
But if they are being such an ass, forget it la lol.
why don't you screw maybank instead for not getting you cinema tickes and coffee?
for maybank try to aim for visa signature at least (if you cannot get visa infinite or world master card)