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 Maybank Islamic MasterCard Ikhwan Platinum/Gold, Another Fantastic 5% Cash Back Card

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chongaik82
post Apr 24 2015, 05:17 PM

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QUOTE(fruitie @ Apr 24 2015, 05:11 PM)
Yeah, what's more disappointing is nobody called me to inform about this news until I called to follow up. It was rejected on 16th April.
At least they should make an effort right? tongue.gif Even if they really did suggest me to split my CL, I won't agree as well. tongue.gif
It's OK, Victor but thanks for the tips. I will take note for next rejections (if any *touch wood*). laugh.gif
In the meantime, I still don't know what are other cards to cancel yet. So yeah, not good to lie them too. tongue.gif
I already terminated the useless SCB card before I applied for this Ikhwan card.

I will wait till October then... That said, if I'm still keen by that time. biggrin.gif
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At least you know the reason. Aeon take 2 days to reject my application with the reason "Management decision" shakehead.gif

Thinking to get the card for BT purpose now no hope.... cry.gif
chongaik82
post Apr 24 2015, 05:52 PM

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QUOTE(fruitie @ Apr 24 2015, 05:19 PM)
Rightfully they are not supposed to share rejection reason, this applies to all banks.
I hope the guy who shared the info to me won't get himself into trouble...
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in my opinion, rightfully they have no responsibility to disclose or inform applicant because this is purely (or nearly) business decision (risk appetite).

For my case, i apply M2C 2 times. Obviously 1st time kena reject but second time successful. I getting same salary with same commitment (debts) during 1st and 2nd submission. But why 1st time reject??!! Best part is 2nd time i apply Gold card but approve Platinum (my salary do qualify)??!! hmm.gif

I don´t CS will know. Mostly CS only give you some standard or possible answers you based on the info you share or he/she have. Unless you spoken to the department who process the application then you(and we) will know the answer.
chongaik82
post Apr 24 2015, 05:54 PM

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QUOTE(red_scorpion @ Apr 24 2015, 05:43 PM)
So victor, it meant that we shouln't hold too much of useless credit card?
Maybe I should cut my useless standard charterd cc so that other cc application can be more easier to approve.
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If the credits you asking cannot be justify by your salary. It will affect your application.
chongaik82
post Apr 24 2015, 05:58 PM

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QUOTE(victorywp @ Apr 24 2015, 05:53 PM)
yeah, no banks want their cc to be used only as a spare cc after your other cc is fully utilised.

by right, one has to cancel their existing cc before applying for another (if they are having high exposure). by saying "will cancel other cc after this cc get approved" actually hold not much weight... but can try. lol...
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One point to take note. If i remember correctly, banks only update CCRIS on 15th of every month. Technically, if you cancel your card after 15th, and you apply credit service (let say) on 20th. Bank will still "see" you are having the credit card.
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