no need, you can ask for pro rated AF and cancel it
later retention team will call back and waive

Most likely in your upcoming statement. Mine was AF charged first and followed by SST.

Only 5 transactions with no min spending mentioned:



PSA thread: https://forum.lowyat.net/topic/4892672/+1080#entry99625873

If you got hibah from previously with credit card spending with Islamic account, you should be still getting this it.
I don't think there's any change except for the hibah rate is revised down.

I think 2.

2 wins per day per cardholder.

What time u did it and after how many times?

I applied they reject
but later receive sms offer increase then I reply I got it

So my thought is wait the sms to offer increase cl

Ur monthly card repayment "lengzai"? haha...

I didn't make any request increase limit but receive sms offer recently, almost double the limit  .  I turn down the offer, don't really need credit limit.
I do pay on time (bill balance) and never use flexipay.

Another option. Try to call the card, retention officer may call you up to ask reason and told them. Usually easy to increase credit limit unless you got so much commitment then that will become another story.

There are few reasons that may affect the results. Only my speculation and suggestion la.

1. May be bank deems your salary increment over 5 years not big enough.
2. You have many credit application record over short period.
3. total CL on other banks hit ceiling.

what you can do (what I did was)

prior to apply again, I open saving account with the bank and pledge 10-20k into the saving account of that bank.

I did that for my ocbc and pbb both successful on second time application after I have saving inside bank account. haha...just my experience la....