Been rejected 99 times on credit cards application, WHYYYYY
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 Apr 2 2018, 05:41 PM
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Junior Member
182 posts Joined: Apr 2018 
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QUOTE(abahumie @ Apr 2 2018, 05:29 PM) my advice...don't ever try..better cash than credit...later it's hard for u to terminate...sikit² lama² hutang bertambun... some people want to build their credit score by applying one ma.sos: me..myself...finally after 10 years ++...managed to close down one card today...so relieved!  |
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Apr 2 2018, 05:44 PM
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Junior Member
479 posts Joined: Aug 2012 From: google.com 
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wait 6 months... then go to maybank card center at One Utama or Gardens.
bring 2 years epf slip, bring 12 months salary payslip, bring 12 months bank statement, ctos and ccris walk in and say i want to apply. |
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Apr 2 2018, 05:46 PM
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Junior Member
280 posts Joined: Mar 2013
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cash is king...!!
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Apr 2 2018, 05:48 PM
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Junior Member
280 posts Joined: Mar 2013
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QUOTE(AntiScam @ Apr 2 2018, 05:41 PM) some people want to build their credit score by applying one ma. credit score is how much money you have in the bank.. when you have enough, dont even need to apply, they just throw the cards at you... |
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Apr 2 2018, 05:53 PM
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Senior Member
637 posts Joined: Sep 2017
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Basically, saving in the particular bank is the most important.
My wife earning the same as me but transfer all the salary to my account and left 0 every month. No matter how she apply, it won't happen. However, for my case I have tons of installment on my credit card but numerous bank still offering me plat card. |
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Apr 2 2018, 05:59 PM
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Junior Member
473 posts Joined: Dec 2004
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don't go directly to bank to apply CC for your first CC.
different bank have different requirement. go to those booth or stall agent under marketing company instead. usually, they handle few different bank CC that they know which one can approve your requirement. they will help you to apply for the right CC instead of you blindly go every bank applying it yourself. |
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Apr 2 2018, 06:01 PM
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Senior Member
2,065 posts Joined: Oct 2014 From: Ipoh,Perak
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QUOTE(abahumie @ Apr 2 2018, 05:29 PM) my advice...don't ever try..better cash than credit...later it's hard for u to terminate...sikit² lama² hutang bertambun... Sorry to say, you are just bad at managing or controlling your own spending.sos: me..myself...finally after 10 years ++...managed to close down one card today...so relieved! That’s why people that retired without saving but just EPF tend to just finish it within 5 years because they are just bad at managing money. Ts try cimb first, my first card comes from cimb 7 years ago. This post has been edited by rapple: Apr 2 2018, 06:03 PM |
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Apr 2 2018, 07:13 PM
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Senior Member
576 posts Joined: Dec 2017 From: Kuala Lumpur 
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U got ask them what reason?
UOB should have accepted your application |
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Apr 2 2018, 07:45 PM
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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Call the cc department, not a specific reason but they said mostly is credit problem.
Anyway to appeal or not? If CC also been rejected I think perhaps hopeless too for loan such as car loan? |
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Apr 2 2018, 07:56 PM
Show posts by this member only | IPv6 | Post
#30
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Senior Member
1,934 posts Joined: Jul 2009
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QUOTE(nexona88 @ Apr 2 2018, 05:29 PM) I think u better approach those CC marketing fellows at the malls.. They desperate for sales... second this, sometime they keen on the sale, they make appeal for u also.Might have higher chance & lucks.... |
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Apr 2 2018, 07:57 PM
Show posts by this member only | IPv6 | Post
#31
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Senior Member
1,934 posts Joined: Jul 2009
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QUOTE(kenJi2788 @ Apr 2 2018, 07:45 PM) Call the cc department, not a specific reason but they said mostly is credit problem. usually call in, every single time, confirm will tell u undisclosed reason and confidential.Anyway to appeal or not? If CC also been rejected I think perhaps hopeless too for loan such as car loan? |
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Apr 2 2018, 08:05 PM
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Newbie
28 posts Joined: Oct 2017
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pledge fd lo
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Apr 2 2018, 08:06 PM
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All Stars
48,495 posts Joined: Sep 2014 From: REality
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QUOTE(kenJi2788 @ Apr 2 2018, 07:45 PM) Call the cc department, not a specific reason but they said mostly is credit problem. Hah!Anyway to appeal or not? If CC also been rejected I think perhaps hopeless too for loan such as car loan? Didn't give specific reason.. Just give general answer of credit problems... Wasting time calling them... |
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Apr 2 2018, 08:23 PM
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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QUOTE(crabken @ Apr 2 2018, 08:05 PM) pledge fd lo Is this gonna work? |
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Apr 2 2018, 08:59 PM
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Junior Member
43 posts Joined: Mar 2017
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Summit FD with your salary slip will get higher sucess rate..
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Apr 2 2018, 09:10 PM
Show posts by this member only | IPv6 | Post
#36
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All Stars
24,380 posts Joined: Feb 2011
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QUOTE(kenJi2788 @ Apr 2 2018, 08:23 PM) Is this gonna work? First of all, I think you should check your credit history via CTOS and CCRIS This article explains the difference between both of them. https://www.comparehero.my/blog/difference-...ween-ccris-ctos https://genxgenygenz.com/2016/12/01/back-to...ctos-and-ccris/ Find out why kena rejected. Then furnish your EPF statement + salary slip or income tax statement. |
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Apr 2 2018, 10:20 PM
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Junior Member
28 posts Joined: Nov 2014
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Apply with FD. Comfirm get
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Apr 2 2018, 10:21 PM
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All Stars
52,874 posts Joined: Jan 2003
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Banks keep records of failed application under CCRIS database.
It's better to try again 3 to 6 months later even with pledged FD solution. |
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Apr 2 2018, 11:29 PM
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All Stars
10,340 posts Joined: Jan 2003
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QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM) I want to build my credit score. U can try to apply supp card first. After 6 month apply under own nameCCRIS record is clean. Pay PTPTN loan on time, no other commitment, no late payment record. But every time I tried to apply credit card must have rejected by banks, even Citi and UOB also not accepting my application. Salary is RM3,400 before deduct socso epf. Can any sifu advise what is the problem? Anyone can help me with this situation? This post has been edited by WhitE LighteR: Apr 2 2018, 11:29 PM |
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Apr 3 2018, 07:25 AM
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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QUOTE(WhitE LighteR @ Apr 2 2018, 11:29 PM) U can try to apply supp card first. After 6 month apply under own name Wow this is something new for me, by saying sub card...So if I use it properly, will it affect in my credit or main card’s holder credit? |
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