QUOTE(icebryanchan @ Dec 27 2021, 02:04 PM)
My basic is more than double > 3k.
I have 5 credit cards with 3 banks which totals around RM30k credit limit only.
And I didn't apply any new credit card or loans within a year.
If those credit cards are hurting my credit score, won't my credit score report show anything less than A+ ?
Citibank everyday bug me to increase my credit limit which is already Rm13k
Well, I guess HSBC just lost a potential customer. Not that their card is anything good also, I just wanted the free gift TBH

Well, different bank will judge differently base on their own criteria and policy. while one find HSBC strict, other may find Maybank, Affin bank etc strict.
However, base on my experience, total commitment do affect. Eg, your income is 20k, but you have house loan + car loan installment added up total 15k/month.
Number of cards doesn't affect. Is it good to have many card or high credit limit, but must maintain usage ratio LOW.
Other factor will be like, if you previously hv record with the bank, you might get the approval easier, eg you held their cc and cancel it before you are holding their other cc.
This post has been edited by avinlim: Dec 27 2021, 02:51 PM