QUOTE(cybpsych @ Jun 16 2015, 12:28 PM)
wow, ur life must be easy-going

no commitment but earning 80k per annum

j/k
anyways, 'too clean' financial loan/commitment records means banks cannot evaluate ur repayment capability. If u got some loans and been repaying it (or not), then banks will know/evaluate your affordability to repay the credit/loan.
since you've gotten a car (not fully paid by ca$h right?), then u could resubmit ur card application dy.
Not easy neither hard , i dont have comitment because young , single and available
previously just using family car (sis left after migrate) until car crash then i buy own.
funny thing is i even try apply for the 24k p.a hlb card yet rejected on April.
that y my concern is , if i sudden apply for hightier card without even owing a basic one ,would they trust me ?
*currently just sign a loan on housing and the cimb offered me a cimb visa preferred infinite, but i dun like since im only interest to cash back card
This post has been edited by lexanoir: Jun 16 2015, 12:35 PM