QUOTE(cucikaki @ Sep 18 2019, 12:48 PM)
Hi guys, I just applied a new SC credit card yesterday and saw it in my ecriss today, the status is 'pending acceptance by customer'.
the credit limit is RM19,000, which i think too much as my intention is just to reload bigpay and get the cashback.
can i call and request for downgrade to RM5K? or need to wait get the card and call to reduce the credit limit.
a bit worry as this is my 6th credit card and im planning to apply my 7th (ocbc unlimited cash back).
scared later ocbc cannot approve coz my this credit card already take up a lot of credit limit.
I don't recall seeing a Pending Acceptance in ccris. All I see is Pending and Pending is just a dummy figure. They'll put the actual figure, which is around 25% your annual income, upon approval. Do you know if your application succeeded?the credit limit is RM19,000, which i think too much as my intention is just to reload bigpay and get the cashback.
can i call and request for downgrade to RM5K? or need to wait get the card and call to reduce the credit limit.
a bit worry as this is my 6th credit card and im planning to apply my 7th (ocbc unlimited cash back).
scared later ocbc cannot approve coz my this credit card already take up a lot of credit limit.
And SCB is quite generous with credit limit. Surpassed Citibank that took more than 6 months before offering some conditional credit limit increase which I did not bother. My colleague took the increase and reluctant to cancel his card until I brainwashed him.
Edit : Actually, maybe I did see Pending Acceptance, probably from SCB.
This post has been edited by beLIEve: Sep 19 2019, 02:23 AM
Sep 19 2019, 01:34 AM

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