Sifus, do you think 10k fd enough for pledging a cc or not if let say I really want to apply a cc?
Been rejected 99 times on credit cards application, WHYYYYY
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 Apr 3 2018, 07:29 AM
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur  
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Apr 3 2018, 10:56 AM
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Junior Member
40 posts Joined: Jul 2012
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QUOTE(rapple @ Apr 2 2018, 06:01 PM) Sorry to say, you are just bad at managing or controlling your own spending. yapp...totally agreed with that... 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.   luckily I set limit to my cc just up to 5K only...whenever near the limit, i clear up...then use again..  ..few times tried to close the card...failed...hahahahah |
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Apr 3 2018, 12:00 PM
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#43
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Senior Member
2,096 posts Joined: Oct 2007
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Did TS really applied 99 times?... hard to imagine this.
Any bank would reject you as you are so desperate for credit. Apply again after 6 mths... use the bank you salary in. Make a small saving each mth in the bank acc... bank not interest in zero saving clients.. in 3000 out 3000 every mth...don't expect the bank approve your cc. |
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Apr 3 2018, 12:28 PM
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#44
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Senior Member
5,272 posts Joined: Jun 2008
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QUOTE(lingleeyen @ Apr 2 2018, 04:58 PM) That hard? I remember my first CC was 10 years ago with citibank. At that time salary was 2400 gross a month. No problem at all. Did you check with the bank why they decline your application? that was before the Najib fiasco and our financial institutions are much stricter now |
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Apr 3 2018, 02:27 PM
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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What if I apply for Aeon Credit Card?
Will it be easier compare to all these bank? and if I am using Aeon CC, pay the bills on time will it shows good credit record in my ccris? |
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Apr 3 2018, 02:57 PM
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Junior Member
670 posts Joined: Nov 2007
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last time I applied HSBC, the reason kena rejected is my employer didnt pick up phone call 3x from bank. (my HR terlalu busy)
I walked in HSBC and they checked for me and told me this, if call they won't tell u at all. So at the HSBC that guy directly promote another card and guarantee high success rate...tapi I dah reject lol Maybe you can try walk in? If not can try debit also have good reward like CIMB lazada |
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Apr 3 2018, 06:02 PM
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Senior Member
7,106 posts Joined: Jan 2003 
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QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM) I want to build my credit score. Could be because you don't have a payment / commitment record, thus banks can't establish if you have shown prior good standing before.CCRIS 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? You also never mentioned what card you applied for. There are plenty of entry level cards that will happily give you a credit card. Or you can also try the lesser known ones like Aeon which is not a bank thus should have lower entry requirement. |
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Apr 7 2018, 07:18 PM
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#48
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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Need more advise on supp card!
If my gf apply a supp card for me, and I use it with discipline. The good credit will reflect in my gf credit score or my credit score? |
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Apr 7 2018, 08:27 PM
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Junior Member
539 posts Joined: Jun 2010
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QUOTE(kenJi2788 @ Apr 7 2018, 07:18 PM) Need more advise on supp card! It's your girlfriend's. CCRIS will follow principal cardholder.If my gf apply a supp card for me, and I use it with discipline. The good credit will reflect in my gf credit score or my credit score? |
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Apr 7 2018, 08:33 PM
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Junior Member
592 posts Joined: Dec 2016 From: johor
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try ambank bro. I apply for one basic cc with ambank. ended up they gimme 3 'platinum' credit cards. previously try applying Maybank always rejected.
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Apr 7 2018, 08:35 PM
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Junior Member
592 posts Joined: Dec 2016 From: johor
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QUOTE(kenJi2788 @ Apr 3 2018, 02:27 PM) What if I apply for Aeon Credit Card? yes. aeon is the most easiest. just apply for basic card with 3k limit. use for 3-6 months with good payment records. that will build up ur credit score. after that try apply for cc with bank u preferred.Will it be easier compare to all these bank? and if I am using Aeon CC, pay the bills on time will it shows good credit record in my ccris? |
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Apr 7 2018, 08:49 PM
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#52
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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Ahhh alright thanks for your replies!!!
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Apr 7 2018, 08:51 PM
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Senior Member
710 posts Joined: Nov 2012
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QUOTE(kenJi2788 @ Apr 2 2018, 05:49 PM) I want to build my credit score. CIMB is easy to get I think.CCRIS 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? *Updated on 7th April 2018 If my gf apply a supp card for me, can it helps to build up my own credit score instead of my gf credit score? |
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Apr 7 2018, 09:38 PM
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Junior Member
595 posts Joined: Nov 2008 From: Kuala Lumpur
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I also have the similiar exp with TS.
On have CTB and AB CC, then try to apply MB card .. I think before hand already reject them few time when tele marketing call. Out of the blue during CNY time try apply for fun then kena reject .. Lol |
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Apr 8 2018, 03:24 AM
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Newbie
32 posts Joined: Oct 2013
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QUOTE(kenJi2788 @ Apr 3 2018, 07:29 AM) Sifus, do you think 10k fd enough for pledging a cc or not if let say I really want to apply a cc? I heard people say 30k, never try before though..Hmm. |
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Apr 8 2018, 04:14 PM
Show posts by this member only | IPv6 | Post
#56
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Junior Member
100 posts Joined: Oct 2011
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QUOTE(kenJi2788 @ Apr 3 2018, 07:29 AM) Sifus, do you think 10k fd enough for pledging a cc or not if let say I really want to apply a cc? You can pledge FD for maybank CC for:- 5k for gold - 10k for plat In which the amount you pledge will be your credit limit. Information from here. I personally never try that before. I too get rejected for my first CC for almost 5-7 times before i get approval due to PTPTN record. Walking to card center directly to apply will have higher chance of approval compare to online application. This post has been edited by hong823: Apr 8 2018, 04:14 PM |
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Apr 8 2018, 11:16 PM
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Junior Member
68 posts Joined: Oct 2010 From: Kuala Lumpur
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Really thank you for sharing, will try to do so!
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Apr 9 2018, 10:19 AM
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Junior Member
204 posts Joined: Aug 2009
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one of reason is they don't have your payment record, I think you don't have any car/housing loan.
And did you submit your EPF form? |
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Apr 9 2018, 10:57 AM
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All Stars
52,874 posts Joined: Jan 2003
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I was rejected many times last year: twice by MBB and once by PBB.
As of this month, I applied via RP and got my PBB approved. I'm satisfied with it now! LOL |
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Apr 9 2018, 10:48 PM
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All Stars
10,340 posts Joined: Jan 2003
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QUOTE(kenJi2788 @ Apr 3 2018, 07:25 AM) Wow this is something new for me, by saying sub card... Yes affected. And please use CC with due diligent. Dont play2 and dont screw your main card holder. Because all payment is responsible by main card if supp defaultsSo if I use it properly, will it affect in my credit or main card’s holder credit? |
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