My application was rejected in Feb this year. When is the earliest period that I can re-apply? What's the chances of approval for re-apply?
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 Jun 27 2015, 03:38 PM
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#1
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Senior Member
2,429 posts Joined: Jul 2007 
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Jul 15 2015, 04:52 PM
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#2
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Senior Member
2,429 posts Joined: Jul 2007
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Does anyone has 4 credit cards or more at the time when apply for this cc and successfully get the card?
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Jul 19 2015, 05:07 PM
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#3
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2,429 posts Joined: Jul 2007
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ah ok...i thot my previous application was rejected due to me having 4 cards or more....
now trying to reapply. QUOTE(kremlin @ Jul 15 2015, 04:59 PM) Me   |
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Aug 1 2015, 06:43 PM
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#4
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2,429 posts Joined: Jul 2007
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celaka....applied twice, twice kena reject...
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Aug 2 2015, 11:15 AM
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#5
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2,429 posts Joined: Jul 2007
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More than what's required.
Worst thing is not a single idea on why they reject? QUOTE(LostAndFound @ Aug 2 2015, 12:13 AM) Your income meet? |
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Aug 2 2015, 11:16 AM
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#6
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2,429 posts Joined: Jul 2007
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Income more than required amount.....why need to pledge fd?
QUOTE(cappuccino vs latte @ Aug 2 2015, 02:20 AM) pledge FD  |
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Aug 2 2015, 02:55 PM
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#7
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2,429 posts Joined: Jul 2007
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Nope, no loan or any credit card balance.
QUOTE(BumHunter @ Aug 2 2015, 01:20 PM) May be ur commitment too high or Ccris status no good. |
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Aug 2 2015, 05:55 PM
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#8
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2,429 posts Joined: Jul 2007
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having loan just to demonstrate i can pay the bills? doesnt net income show the capability to do so?
anyway, i'll just move on to other card to give them some biz.... QUOTE(janson_kaniaz @ Aug 2 2015, 03:56 PM) some banks prefer you to have loan so that they can know you have the monthly capability for payment. not having any loan is not an advantage. |
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Aug 3 2015, 01:59 PM
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#9
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2,429 posts Joined: Jul 2007
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I have credit cards and made payment promptly.
As for loan, I just settled my loan not to long ago. So all the payment transactions should still be in the history QUOTE(sleepwalker @ Aug 3 2015, 09:55 AM) Your income is above minimum to apply for the card yet you have no loan or any credit card balance? You must be cash rich then since you have no home loan, no car loan and no credit card history (I'm just assuming here since if you have credit card payment history, you should not have any issue getting the card). They usually prefer applicants with existing loan to show payment pattern. |
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Aug 3 2015, 07:48 PM
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#10
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2,429 posts Joined: Jul 2007
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To appeal need to know why they reject in the first place?
QUOTE(svefz @ Aug 3 2015, 06:12 PM) My dad situation same as you, just settle housing loan last year, no bank acc at Public Bank but bank approved his application. Maybe you can try to appeal |
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Aug 4 2015, 01:19 PM
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#11
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Senior Member
2,429 posts Joined: Jul 2007
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Called up to lodge an appeal. Let's see whether there's any good need soon
QUOTE(svefz @ Aug 3 2015, 11:11 PM) If you good with the staff, he will check for you. Normally bank won't tell us the reason  If you have strong income tax receipt, you can try to appeal or try to submit after 3 to 6 months |
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Aug 4 2015, 06:03 PM
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#12
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2,429 posts Joined: Jul 2007
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Called call centre and lodged the appeal. They just need my IC and phone number.
Within 5 mins, another person called to verify IC and I told the person that I want to know appeal result by this week QUOTE(munkeyflo @ Aug 4 2015, 02:03 PM) How to be good with the staff? I asked nicely but he say the bank won't tell us why and he just ask me to resubmit 6 months later. Did they require any details or give you any appeal number or something? The guy I spoke to told me nothing I can do except to wait 6 months to resubmit. They rejected my application as well with no reason whatsoever. No loans, income tax submitted above minimum income, 4 other credit cards promptly paid every month for at least 3 years. |
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Aug 7 2015, 10:03 PM
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#13
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Senior Member
2,429 posts Joined: Jul 2007
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called CS today twice and according to them seems like my appeal is successful. just need to wait for the card to see they give me VS (the one i applied).
QUOTE(jutamind @ Aug 4 2015, 06:03 PM) Called call centre and lodged the appeal. They just need my IC and phone number. Within 5 mins, another person called to verify IC and I told the person that I want to know appeal result by this week |
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Aug 11 2015, 11:25 AM
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#14
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Senior Member
2,429 posts Joined: Jul 2007
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just got my VS card to after successful appeal to the bank.
now trying to register for PBeBank online banking account. do we still need to go to ATM machine to register our hp number if we register for PBeBank account online? is there anyone to pay for IWK bills online? QUOTE(jutamind @ Aug 7 2015, 10:03 PM) called CS today twice and according to them seems like my appeal is successful. just need to wait for the card to see they give me VS (the one i applied). |
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Aug 24 2015, 12:19 PM
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#15
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Senior Member
2,429 posts Joined: Jul 2007
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Managed to register this card on m2u but can't seem to pay IWK bill also. Don't know why
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Aug 24 2015, 01:52 PM
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#16
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Senior Member
2,429 posts Joined: Jul 2007
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I know you can use the card to pay using posonline.
What I'm saying is after registering the card in m2u, when we go to bill payment in m2u, when you select this card, iwk account number is not one of the option you can choose to pay for QUOTE(cybpsych @ Aug 24 2015, 12:27 PM) who says can pay IWK using m2u? didnt i replied to you on 11th Aug to pay IWK using posonline? |
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Aug 29 2015, 01:42 PM
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#17
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Senior Member
2,429 posts Joined: Jul 2007
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Just got the luggage from my application via ringgitplus. My application was rejection, then I appealed and it was successful. Didn't know it was eligible for the luggage even though initial application was rejected
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Aug 30 2015, 03:18 PM
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#18
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Senior Member
2,429 posts Joined: Jul 2007
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Mnet, it could be the previous campaign...I only apply for VS card to get the luggage
QUOTE(MNet @ Aug 30 2015, 02:00 PM) you mean this campaign? https://ringgitplus.com/en/credit-card/Publ...dit-Card-i.html I just applied but it seems must take 2 card the visa and mastercard? |
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Aug 30 2015, 05:03 PM
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#19
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Senior Member
2,429 posts Joined: Jul 2007
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Mnet, i think it was the previous campaign where i only apply for the VS card, not the islamic card.
QUOTE(MNet @ Aug 30 2015, 02:00 PM) you mean this campaign? https://ringgitplus.com/en/credit-card/Publ...dit-Card-i.html I just applied but it seems must take 2 card the visa and mastercard? |
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