any idea what is the cooling off period for hlb card ya?
i got rejected for hlb wise card this february- perhaps due to too much outstanding in CCRIS, though payment history is clean (been doing many 0% BT)

will try to apply again with payslips, bank and existing credit cards statement, and asm asw2020 investment book

i pay in full every month. no single cent of interest charged to my account. my payment record in CCRIS is all nice 0 0 0 0 0 0 0 0 for 12 months

however,
overr CCRIS record there, we can see the total credit limit and also outstanding balances

for examples, for total credit limit for all my credit cards is 100k, but I have RM60k outstanding balances (due to balance transfer). maybe bank will think that i am paying minimum payment for each month only and therefore label me as high risk

where is the booth ya? new wing or old wing?

recently got approved for PBB VS, but rejected for HLB wise gold
seems it is quite difficult to apply for hongleong bank card
-any idea what is the min amount to pledge fd for wise gold card? 5k or 10k?

need to apply under other person's name
each person entitle to one wise card only

pledge fd only
i got rejected also.

put 5k fd pledge. + rm10 stamp duty

got approved

same situation as yours. got PBB VS successfully but HLB rejected me
for me the reason was high DSR
put FD and today received SMS that application is successful

was told by branch manager WISE card running out of stock, will only receive card by september
-they are changing the interface for PIN-verification system in the future (no more signature required to swipe the card at merchant)

for payonline, i will wait until i received the email receipt from uob payonline before i make the 2nd payment