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Credit Cards Maybankard 2 Gold & Platinum Cards V10, Pls read post 1-3 & use Search Topic 1st
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windlee
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 Aug 10 2014, 12:55 PM
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New Member
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Hi, I would like to ask anyone can help me on applying the Maybankard 2 card? As I don't know why i got rejected from the application.
Gross salary : 2.9K, After deduction : 2.5k+
However, I not sure I fill in the application in a correct way and my document as the PIC dint ask from me.
I din't give my bank statement for at least 6 month. I got FD and my salary with HLB. I did not fill in my car loan which will be starting from September with Toyota - new vios 56k loan. PTPTN repayment starting from December with schedule but now I advance payment to reduce the repayment amount starting from December.
As i initially did not know I need to fill in into the form since it havent offically start to pay the loan.
Anyone can kindly advice me on applying the credit card?
Thanks.
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windlee
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Aug 10 2014, 10:45 PM
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New Member
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QUOTE(victorywp @ Aug 10 2014, 03:24 PM) even if you did not fill in your car loan, they still can view by checking your ccris, however, ptptn is not listed there. do you have other loans or cc? they are able to view as well. you may attach more documents when reapplying like your bank statement, epf, tax, etc. Nope, that's the only loan i have for now. Just started work since last year. So means my car loan with TOYOTA Financial will affect i got the approval of applying credit card? But I haven't got the car and start paying the installment. Maybe i should try reapply with more supporting document. |
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windlee
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Aug 10 2014, 10:57 PM
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New Member
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QUOTE(Wongchoy @ Aug 10 2014, 10:54 PM) You may try and appeal because your car loan would not affect your application unless you do not pay. Appeal means re-apply? But in terms of my salary and document, I should be fulling the requirement? Sorry i got too many question. |
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windlee
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Aug 10 2014, 11:03 PM
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New Member
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QUOTE(victorywp @ Aug 10 2014, 11:01 PM) yes, once a loan (except for ptptn) is approved, it will be listed in your ccris. if you apply for any loan/cc with any financial institution later, they will be given the right to check on you and view your credit report. i think you may need to wait at least 3 months before reapply. with 2.9k/month and a 56k loan just approved recently, some financial institution would feel risky to approve another loan/cc to you. they would want to check how well is your payment but you still have not started to pay any instalment yet, so it's hard for them to judge. actually it may be easier if your car loan and cc application are from the same financial institution, but unfortunately not your case. Okay, I shall wait and make repayment 1st and see how it goes after 3 months. Thanks =) |
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