QUOTE(fruitie @ Jul 18 2017, 12:07 PM)
I have online banking with SCB and I logged in to check out the approved cards even and the CL though I still haven't got them yet.
To my surprise, SCB only approved RM 5k CL for me.

Even the CS find it funny when they approved my WorldMiles but only gave me RM 5k CL which is not even 1x my monthly salary.
I had SCB cards 3 years ago and that time they gave me RM 15k, this time they only approved me RM 5k. I last got RM 5k when I got my first CC in 2010.

Sorry but I find it a bit ridiculous and I have voiced this out with my agent, the CS said I can enjoy the benefits first but I do feel a bit insulted... You approved me a card which requires at least 90k p.a. but gave me RM 5k CL... Don't know what are they thinking.
If I were to maximize my JustOne and SCB Gold, it will come close to 5k and I can't even enjoy 20-days free interest period before swiping for next transactions.
A bit disappointed and I may not activate these cards. I shall consider again now.
So Sorry to hear...
Too many CC ( CL) you got here as they think 5K is more than enough to fully utilize it or taking Revenge on You for Cancelled their Card 3 years ago...???
QUOTE(SzeMeng76 @ Jul 18 2017, 12:44 PM)
Me too. I applied with the my latest income, they also granted me for not even 1x of my salary. Also 5k credit limit only, for my friends too (we submit together, we had almost same annual income)
And I guess nowadays they give the first time applicant all general 5k limit first, and will increase credit limit if request after that? (this part Im not sure), i also felt funny among all cards, SCB have the lowest limit even PBB give higher limit around 2x of my salary (which is normal)
Now i always make payment before due date or even statement date, because I have monthly 4000 expense with them (I also maximising cash rebate for Justone & Gold CB).
but your case really so ridiculous since u apply for WorldMiles too..

Possible, it could be...
Got my SCB Just One Plat. in 2011 starting with CL 8K eventually they Increased to 16K on the 2nd Year. And Since that, they increase for me every year & now with 30K CL on the cards.
This post has been edited by fly126: Jul 18 2017, 01:50 PM