Dec 26 2017, 03:36 PM
QUOTE(chooyang @ Dec 24 2017, 12:36 PM)
last year and this year i have apply cc for ocbc, cimb, hsbc from promotion booth ..take the free gift ady 
but ALL REJECTED .... I also can't figure out why.
Receive the REJECT LETTER, but all bank letter only told me that unable to proceed. not further telling any reason.
my CCRIS, CTOS all "0".. good in status.
all on-hand loan,
3 credit card,
house loan
pay in time and full ... never delay.
still wonder why can't apply ...
though want apply new and cancel the old credit card ..
switch bank ...
sadly can't proceed
u havent take account of the DSR ratio too. but ALL REJECTED .... I also can't figure out why.
Receive the REJECT LETTER, but all bank letter only told me that unable to proceed. not further telling any reason.
my CCRIS, CTOS all "0".. good in status.
all on-hand loan,
3 credit card,
house loan
pay in time and full ... never delay.
still wonder why can't apply ...
though want apply new and cancel the old credit card ..
switch bank ...
sadly can't proceed
abiliity to repay doesnt mean much. having cc and loan, and any other debts contributes to higher commitment vs income. possibly bank wanted to protect their own interest rather than risking it by approving you.
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