Guys, I'm just wondering how bank approve credit card actually?

I applied for a basic card from CIMB, BSN, both of them rejected my application.

I have been working in a 2 company for 2 years

My commitment only PTPTN, telco and insurance.both under my name but car is under my dad name but I pay it every month.

I do have tunggakan with PTPTN but is this the reason they reject my application?

I want to use the credit card mainly for FUEL only. I'm not a big spender.

one i applied direct thru website and another one thru Ringgit Plus

This post has been edited by cringe: Sep 16 2017, 11:23 AM

I see. I guess that's the main reason my application is rejected.

Guys, if you applied have ptptn loan before this, does it affect you on credit card application approval?

I tried to apply CIMB, Standard Chartered, OCBC also rejected.

Applied CIMB CC, got rejected.

Applied UOB Bank, got approved. Weird.