QUOTE(stargate8 @ Dec 15 2017, 01:20 AM)
better ask those who always apply to get signup gifts then cancel after received gifts, see if they got "blacklisted" end up unable to apply card...
i only cancel after 9months if the card totally useless and got af on 2nd year, else will keep for 1year or longer if no af or got benefits
If those card does not much benefit and not attractive at all, then rather permanent don't apply that card with selected bank service provider.
But normally keep "blacklisted" the customer and unable to apply card, end up bank also cannot achieve the sales target because no customers wanna to apply due to blacklisted.
However if you already get the first gifts during apply the application form, then end up bank reject your application due to your financial over tight (just take example for the reason). Then bank will consider blacklist you because you already take the first gifts during sign up the application form?
And then what about those customers already receive the card but cancellation within 3 months (Never get the signup gift and don't achieve the min spending amount), then bank will blacklisted for that?
I am referring signup gift is normally customers must swipe within min spending amount to get the gift.
This is because now "blacklist" has a lot of t&c.
QUOTE(stargate8 @ Dec 15 2017, 08:37 AM)
Good to know.
Coz one of fren's fren having issue to sign up new card after multiple canx
Maybe selective by bank then
Normally those oversea bank and those popular local bank might be very strict and choosy one.
However, this also depend the credit card salesperson will help you appeal or not to get the credit card.