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Credit Cards CIMB Bank Credit Cards v5

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OldSchoolJoke
post Aug 28 2016, 10:15 PM

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Greetings guys,

Recently applied for CIMB Credit Card and just now received email saying that my application has been rejected but doesn't specify any reason for their rejection.

Were wondering if anyone know their way of processing? I mean do they check those CCRIS/CTOS, loans, etc.?

I got no loans, and clean of debts with a RM3k salary but still got rejected.

Regards.
OldSchoolJoke
post Aug 29 2016, 06:09 AM

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QUOTE(kawteem @ Aug 28 2016, 10:31 PM)
Could be because of your record is too clean, as in no record at all for them to evaluate your behaviour. What about PTPTN?
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No PTPTN also.
Living with debt free also not a good idea now.

QUOTE(fruitie @ Aug 28 2016, 11:12 PM)
Yes, they check on CCRIS and CTOS.
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Oh. Thank you.
OldSchoolJoke
post Aug 29 2016, 10:28 AM

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QUOTE(fruitie @ Aug 29 2016, 10:08 AM)
If first card, try applying from your salary crediting bank account. It seems banks like UOB, Citibank are quite OK for first timer.
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Ya. Applied from my salary crediting bank which is CIMB.
Guess I need to check for other banks now.
OldSchoolJoke
post Aug 29 2016, 10:54 AM

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QUOTE(fruitie @ Aug 29 2016, 10:43 AM)
Too bad then. My first card was from CIMB and my salary crediting account is always in Maybank.
Try other bank or you can appeal from CIMB.
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Oh. Thought would be easier to apply with the same salary crediting account since they can check/monitor easily.
Never knew will get rejected.

I will try to apply again see how if still fail then I guess I'll have to try other banks.

Thanks for your help!
OldSchoolJoke
post Aug 29 2016, 11:00 AM

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QUOTE(fruitie @ Aug 29 2016, 10:56 AM)
You have already applied and get rejected. So you cannot re-apply again anytime soon, banks will recommend 6 months cooling period. However, for now you can appeal again or just wait to re-apply after 6 months.
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Oh is it? Sorry, didn't know about this. How do I appeal?
OldSchoolJoke
post Aug 29 2016, 11:36 AM

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QUOTE(fruitie @ Aug 29 2016, 11:30 AM)
Just write them an email telling you were rejected by them recently. You would like to appeal as you don't see a reason why you should be rejected and ask them to give you a chance, if needed you are willing to send in more supporting documents.
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Okay. Thanks for your help!
OldSchoolJoke
post Sep 14 2016, 08:10 AM

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QUOTE(byyc09 @ Sep 13 2016, 11:06 PM)
Hi. Try to submit the latest 6 months;
- Payslip
- Bank statements (Preferably the bank which crediting your salary)
- EPF statement

If you are holding any FDs either which bank will be an added advantage.

I was applying CIMB CR Plat 3 months ago by submitting these docs and was approved. smile.gif
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I submitted 3 months payslip, and EPF statement as requested.

Nevermind now, I'm trying to apply from other banks. See which is easiest to get.

Thanks for your input!
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