Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Public Bank Visa Signature - 6% Cashback, On Grocery, Dining, Online Transactions
|
|
 Jun 1 2015, 12:32 PM
Return to original view | Post
#1
|
 
Junior Member
218 posts Joined: Jan 2008 From: Abu Dhabi, UAE   
|
Hi all,
My application has been rejected even though meet all their requirements. Any members here faced similar experience? Just curious how they score applications since I manage to get Signature card from other bank. Just FYI, I'm working with Central Bank and have annual salary of over 120K not including other sources (rental, etc) which I have provided as well. Thanks. |
|
|
Jun 1 2015, 09:12 PM
Return to original view | Post
#2
|
|
Junior Member
218 posts Joined: Jan 2008 From: Abu Dhabi, UAE
|
QUOTE(laymank @ Jun 1 2015, 02:15 PM) Could it be your job? I don't see how is that relevant. What even more funny is part of my job is to analyse all credit accounts in Malaysia, doing some sort of profiling. I consider myself super low risk. QUOTE(keane04 @ Jun 1 2015, 03:44 PM) do you have any other account with pbb such as loan? Nahhh their loan product sucks.before i have any loan with pbb, they rejected my credit card application twice, years back. Anyway ... I don't really need it so it is better to get rejected but really curious and can't get it out of my head. |
|
|
Jun 1 2015, 09:42 PM
Return to original view | Post
#3
|
|
Junior Member
218 posts Joined: Jan 2008 From: Abu Dhabi, UAE
|
QUOTE(Mr Gray @ Jun 1 2015, 09:24 PM) I guess it's either My ccris is super clean, and my debt to income ratio is merely 19%. I don't have a car loan, 1 cimb credit card and 3 housing loans, which all are rented out at 7-10% ROI. And yet yours got approved. Now I'm getting more curious sighhhh.1. Your commitment is already too high. Housing loan, car loan, etc? Or 2. Your ccris is not clean. My annual salary is much lower than yours, just slightly above 100k. I have 1 car loan, 1 housing loan, and four cards from Maybank, CIMB, Citibank and Public Bank before applying for this. But I have been paying all my debts before the due date, so my ccris is squeaky clean. My application was approved last week. |
|
Topic ClosedOptions
|
| Change to: |  0.0185sec
 0.91
 7 queries
 GZIP Disabled
Time is now: 30th November 2025 - 01:06 PM |
Quote