Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 Jan 30 2016, 01:06 PM
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#1
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All Stars
11,836 posts Joined: Mar 2011 From: Kota Kinabalu, Sabah  
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if i checked ctos and im clear, is there a higher possibility of cc getting approved? how long does it take to get their reply? i applied multiple banks so which card i use will mean committed to that cc correct?
apologies for multi questions, my first cc applications and am anxious |
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Jan 30 2016, 01:39 PM
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#2
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All Stars
11,836 posts Joined: Mar 2011 From: Kota Kinabalu, Sabah
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QUOTE(fruitie @ Jan 30 2016, 01:13 PM) Yes, no credit history will lead to rejection. Hence, always start with your salary bank. i have 40k+ at hsbc FD and 10k at PBB FD, does that influence decisions?That said, I got my first card even with clean record. I applied CIMB Direct Access card that time which was meant for fresh grads.  |
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Jan 30 2016, 02:12 PM
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#3
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All Stars
11,836 posts Joined: Mar 2011 From: Kota Kinabalu, Sabah
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QUOTE(fruitie @ Jan 30 2016, 01:09 PM) How about CCRIS? It still depends how the bank assesses you, different bank different assessment. im applying mbb 2 cards and PB basic ccAnyway, I suggest you not to be aggressive, apply one or two at once. Good luck! |
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Jan 30 2016, 02:57 PM
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#4
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All Stars
11,836 posts Joined: Mar 2011 From: Kota Kinabalu, Sabah
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QUOTE(fruitie @ Jan 30 2016, 02:15 PM) Since you have FD with PBB, try with PBB first and tell them to see if the FD helps. how long will i hear from my application? |
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