for all the things that one can report to FMB or BNM, having one application rejected will probably not be accepted.

This is cos BNM or any regulator will never force any Bank to accept / approve an application as each Bank is free to impose their own guidelines.

But if your application has been approved, and the Card already issued and was suddenly canceled without any default on part of the Card holder, it would be something that the FMB and BNM can interfer with.

Else, all the rejected Car and Housing Loans will be lining up with FMB / BNM to force the Banks to approve their Applications.

When an application being rejected, they will know the reason. If they refuse to tell, I'll let third party to intervene.
Again, I know you guys trying to protect HLB, but for me if there's any wrong doing by bank I'll report it directly.
I may not getting my answer that I need, but at least somebody need to headache for it.

I am not defending HLB, don't get me wrong.

Most of time, Banks don't disclose the reasons for rejection for

1) Legal reasons - to avoid saying that customer is Bad Credit as this can invite lawsuit

b) policy reasons - don't want to disclose what is the criteria - related to (1) above and also to avoid furhter borrowers from knowing the loophole

But do update us on your status and good luck

My HSBC application I know the reason after I see their manager.
As said, is matter you want to make it big or not, simple as that.

He told u verbally or in B&W

She show me on her PC. Is good enough already since I just want to know.

Honestly, that is a breach of the Bank's policies and the Manager could be F1RED for that.

But at least it gave you some closure. What was the reason for the rejection if u don't mind sharing?

CCRIS missed payment

Too many CC

I won't tell you, since you are always trying your best to protect HLB and trying to do personal attack on me. So, nope, you won't know.

Wow, u considered what I said as protecting HLB and personal attacks to you.

Okay, I will remind myself not to give any unwanted views directly to u in future.

U have a good day bro.

Best policy. supersound's history with this card means anyone say anything not negative about it he will jump one

here comes again.
and let me remind you that you have the option to ignore him.
if not you will be deem to 'insulting' him.

Save your precious time and ignore him. Search his previous posts here and you will know why you should ignore him.

Your post#182 was indeed in accordance to standard banking practices and Bafia act. Nothing in your post was defending of HLB but your were conveniently labeled as one.
Seriously, when a person suggested to file a complain to BNM for a mere rejected credit card application, you know what kind of that person's mentality already.

Have a nice day bro. You are a real gentlemen. The way he treat you, you can show such magnificant compassion. Well done @cfa28

I can understand if there are different camps at other tread such as:

RWI @ ABU vs BN
Property @ UUU vs DDD
IPhone vs Android

But for CC, there is only 1 camp which is we all want to maximize our rebates / CB / redemption points.

Of course we all have different spending patterns and habits, so there's no perfect CC for everyone.

We are just here to share our opinion and experiences.

So peace to supersound and hope that he will get the response he wants from BNM though I doubt BNM will force any banks to approve a customer applications or to reveal the reason for rejecting an application.

If he is successful, hope he will share it with us for our mutual benefits.

This post has been edited by cfa28: Oct 25 2014, 09:27 PM

that's the spirit. We are all on the consumer's side!

I applied UOB 3 months ago, unfortunately I got rejected...

Last week I tried to apply HL WISE. Then the banker said high chance I will get it.

But after reading what u said I'm getting worry..

Anyway, I'm first timer. Wish me luck

This post has been edited by kopiPeng: Oct 26 2014, 11:29 PM

first timer as in no any cc yet? good luck...

If you don't have any cards, this is not the first card to get as it will dilute your cash back.

morning bro,

What do you mean "dilute my cash back"?? I dont understand why.. do you mind to explain more??

This stupid card only allow you to choose 2+1(mobile is default) categories, you need to swipe rm50 and above for 10 times a month only can get cash back. GST and AF(95% can't get waived) you need to pay also. You shall not apply for platinum card as AF is very high at rm300 and offer same benefit as gold card.
If this is your first card and you choose groceries and petro, you swipe others does not gives you ANY cash back.
First card I see still the best is MBB's dual card, cash backs on weekend and 5X TP everyday using TP. I just redeem rm630 of vouchers yesterday with all the points(1000pts = rm4) I collected.