Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Hong Leong Bank Wise Credit Card V4, 10% Cashback , Up to RM100 per month
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 Oct 4 2014, 10:44 AM
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#1
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme   
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Hi guys. I'm about to apply Wise Gold card too. If got Wise + Essential combo that will be great, but no option for that i might as well apply Wise + GSC Gold.
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Oct 22 2014, 04:54 PM
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#2
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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Well, my application for HLBB Wise card is not approved. What a waste of time. Oh well now might be the right time to apply other Cash Back CC. Does anyone here might know the reason?
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Oct 22 2014, 05:32 PM
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#3
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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QUOTE(victorywp @ Oct 22 2014, 05:13 PM) too high commitment? No, not really. I am currently have 2 loans, 1 is car loan and the other 1 is PTPTN. My savings after deduct my expenditure actually around 500+ per month. |
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Oct 22 2014, 05:46 PM
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#4
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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QUOTE(victorywp @ Oct 22 2014, 05:43 PM) you have other cc? No sir. Perhaps tomorrow i call the agent to clarify the reason for me |
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Oct 22 2014, 06:04 PM
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#5
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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QUOTE(victorywp @ Oct 22 2014, 05:56 PM) usually they won't tell you the reason you being rejected. I really doubt the car loan is the problem because i pay more than a year with no miss, and the loan is 599 per month.from ccris checking, they can't see your ptptn loan. meaning that the only thing is your car loan as a reference for them. so either your car loan just being approved recently (can't analyse much from your payment pattern) or your car loan amount is quite high for them to approve another loan/cc to you (risky). |
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Oct 22 2014, 06:15 PM
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#6
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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Yes, the combo program. Its Wise Gold + GSC Gold.
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Oct 22 2014, 07:06 PM
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#7
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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QUOTE(victorywp @ Oct 22 2014, 06:36 PM) you may try to appeal or reapply after 6 months. otherwise you may try to apply other bank's cc first because hlb wise is quite strict in approving new applicants (especially if the applicant does not own a cc beforehand). Well, it has the best cash back among all other card. Nvm i'll try UOB One card. Wish me luck |
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Oct 22 2014, 09:14 PM
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#8
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Senior Member
718 posts Joined: Mar 2010 From: Puchong Extreme
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QUOTE(adele123 @ Oct 22 2014, 09:11 PM) perhaps you might want to try mbb2card. Perhaps i try apply both mbb2 and uob one  |
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