New to cc. Plan to apply for one. Any recommendations? For petrol (SHELL) and online purchases.
Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 Dec 19 2015, 10:33 PM
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#1
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2,776 posts Joined: Jul 2006  
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Jan 20 2016, 06:20 PM
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#2
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Will High Debt Servicing Ratio (DSR) decrease your chances of getting an approval?
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Jan 20 2016, 06:38 PM
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#3
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QUOTE(fruitie @ Jan 20 2016, 06:34 PM) Yes, DSR will. What is the allowable limit? |
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Jan 20 2016, 06:43 PM
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#4
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QUOTE(intrepidity85 @ Jan 20 2016, 06:42 PM) mine only 30+-% DSR but banks always use high credit limit to decline my fresh application. I calculated online, i think mine is 50.08% DSR. I applied for two cc, all rejected. My first cc anyway.but personal loan, hire purchase, mortage all OK no problem i guess they re more lenient to credit cards |
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Jan 20 2016, 08:31 PM
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#5
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QUOTE(intrepidity85 @ Jan 20 2016, 06:45 PM) Oh.. apply with the bank which ur company use to credit ur salary in? Yup, did that. I applied Maybank and CIMB. I don't understand why kena reject. Annual income according to payslip is >RM50k, but part time allowances around RM15k per annum not in the payslip. 50.08% DSR according to online calculator. Any experts here can clarify?This post has been edited by Savor_Savvy: Jan 20 2016, 08:36 PM |
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Jan 20 2016, 09:58 PM
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#6
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QUOTE(intrepidity85 @ Jan 20 2016, 09:29 PM) i have no idea.. suppose and logically.. should be approved with no problem because ur salary credited in every month .. hmm looks strange and odd to me.. ur ccris all 0000 and ctos all clean? Just applied for ctos online. Waiting for verification. Ccris i don't think i can check here. Monthly loan paid without delay. |
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