QUOTE(Ralna @ Sep 12 2016, 11:57 PM)
Hi, people... need your advice here.
My application for CIMB Cash Rebate Platinum card got rejected. I think it's because I have 5 credit cards from 2 banks (2 Maybank cards + 3 UOB cards).
1. If I cancel 1 Maybank card & 2 UOB cards, which means I have 2 cards left, can I apply for a new CIMB card? Will it get approved? If I cancel old cards & the application doesn't get approved, I'll be
2. I have a CIMB account but that's not the main account I use. If I deposit more $$ in the account regularly, will the chances of getting a CIMB credit card be increased?
My income is steadily above 5k & I'm a good paymaster with good credit ratings. I have many cards because those banks called & offered me to use them a few years ago. It's just that now I shop online a lot, I need a good credit card for online shopping.
Any advice? Is it easy to get approval?
p.s. Actually when I submitted the application form, the exec also asked me to apply for another CIMB card since I fit all their criteria. (>.<)
Holding few cards from a same bank doesn't affect ur credit rating as ur credit limit is combine for all cards..
However, u should cancel cards which u didn't use, no point keeping useless card
As for cimb, u can try to appeal for the unsuccessful application, else u need to wait at least 6 months only u can reapply.