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 Been rejected 99 times on credit cards application, WHYYYYY

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TSkenJi2788
post Apr 2 2018, 04:49 PM, updated 5y ago

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I want to build my credit score.

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 10th April 2018
Went to apply aeon credit card and got approved within 1 day lol

This post has been edited by kenJi2788: Apr 10 2018, 01:35 PM
boonhan
post Apr 2 2018, 04:52 PM

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Do you try local bank first?
I been told 1 of the reason reject because foreign bank see that you do not have local bank card.

uob, scb, citibank.
WaCKy-Angel
post Apr 2 2018, 04:55 PM

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QUOTE(boonhan @ Apr 2 2018, 04:52 PM)
Do you try local bank first?
I been told 1 of the reason reject because foreign bank see that you do not have local bank card.

uob, scb, citibank.
*
On the contrary i applied Maybank rejected, then applied Citibank approved..
lawsh
post Apr 2 2018, 04:55 PM

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try the bank which you salary goes into smile.gif

if paid by cash then gg.com doh.gif
matrix88
post Apr 2 2018, 04:55 PM

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stop applying for 6 months to clear off your records.

The reason of reject is because when first bank rejected your application, and when you reapply, the second bank just pick it up from your ccris record and rejects it automatically and it continues.....

Apply when your records are cleared up and it will be approved!
Eve90
post Apr 2 2018, 04:55 PM

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Nowadays bank very strict with credit card application. Basically go apply for the card at the bank whichever your savings account is with first. Will be better if u have good amount of money in it and maintain a record there for a couple of years.

Slim chance of getting a first time credit card now. They want to see your credit history first. IE your repayment style.
lingleeyen
post Apr 2 2018, 04:58 PM

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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?

This post has been edited by lingleeyen: Apr 2 2018, 04:59 PM
boonhan
post Apr 2 2018, 05:01 PM

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QUOTE(WaCKy-Angel @ Apr 2 2018, 04:55 PM)
On the contrary i applied Maybank rejected, then applied Citibank approved..
*
thats the agent told me, unverify.

approval still subject to bank, agent from foreign bank at roadshow did said higher successs rate if own local bank card first.
TSkenJi2788
post Apr 2 2018, 05:09 PM

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QUOTE(boonhan @ Apr 2 2018, 04:52 PM)
Do you try local bank first?
I been told 1 of the reason reject because foreign bank see that you do not have local bank card.

uob, scb, citibank.
*
Yea I tried, all rejected. My friends told me Citi and uob easier that’s why I tried.

QUOTE(WaCKy-Angel @ Apr 2 2018, 04:55 PM)
On the contrary i applied Maybank rejected, then applied Citibank approved..
*
Yea they said Citi easier.

QUOTE(lawsh @ Apr 2 2018, 04:55 PM)
try the bank which you salary goes into smile.gif

if paid by cash then gg.com doh.gif
*
Ok sure will try again!

QUOTE(matrix88 @ Apr 2 2018, 04:55 PM)
stop applying for 6 months to clear off your records.

The reason of reject is because when first bank rejected your application, and when you reapply, the second bank just pick it up from your ccris record and rejects it automatically and it continues.....

Apply when your records are cleared up and it will be approved!
*
Hmmm my last application was mid of Aug 2017...

QUOTE(Eve90 @ Apr 2 2018, 04:55 PM)
Nowadays bank very strict with credit card application. Basically go apply for the card at the bank whichever your savings account is with first. Will be better if u have good amount of money in it and maintain a record there for a couple of years.

Slim chance of getting a first time credit card now. They want to see your credit history first. IE your repayment style.
*
Ok thanks for the tips smile.gif

Ash1988
post Apr 2 2018, 05:13 PM

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QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM)
I want to build my credit score.

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?
*
How do you define CCRIS record is clean?

For e.g Some may have loan facilities restructured and payed off. They thought they are clean since no o/s but they are not.
desreg2913
post Apr 2 2018, 05:15 PM

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did u submit ur epf statement?
fireballs
post Apr 2 2018, 05:17 PM

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try bank rakyat, bank islam
Fortezan
post Apr 2 2018, 05:23 PM

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Such irony when you see so many credit card sales ppl at mall or fair pestering you to sign up for their credit card, yet most ppl just ignore them. Here you have someone eager to apply yet got rejected by bank
TSkenJi2788
post Apr 2 2018, 05:28 PM

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QUOTE(Ash1988 @ Apr 2 2018, 05:13 PM)
How do you define CCRIS record is clean?

For e.g Some may have loan facilities restructured and payed off. They thought they are clean since no o/s but they are not.
*
I used to have late payment record for ptptn few years ago, but it didn’t indicate in my ccris tho
nexona88
post Apr 2 2018, 05:29 PM

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I think u better approach those CC marketing fellows at the malls.. They desperate for sales...

Might have higher chance & lucks....
abahumie
post Apr 2 2018, 05:29 PM

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my advice...don't ever try..better cash than credit...later it's hard for u to terminate...sikit² lama² hutang bertambun...

sos: me..myself...finally after 10 years ++...managed to close down one card today...so relieved!
nexona88
post Apr 2 2018, 05:33 PM

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QUOTE(matrix88 @ Apr 2 2018, 04:55 PM)
stop applying for 6 months to clear off your records.

The reason of reject is because when first bank rejected your application, and when you reapply, the second bank just pick it up from your ccris record and rejects it automatically and it continues.....

Apply when your records are cleared up and it will be approved!
*
Got such things meh???
Banks lazy, just see the previous reject then straight reject... hmm.gif
grim.fandango
post Apr 2 2018, 05:36 PM

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QUOTE(nexona88 @ Apr 2 2018, 05:33 PM)
Got such things meh???
Banks lazy, just see the previous reject then straight reject... hmm.gif
*
Not lazy but people who are desperate for credit is people with higher risk.
stockoperator
post Apr 2 2018, 05:37 PM

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luckily now have alipay/ wechatpay
nexona88
post Apr 2 2018, 05:39 PM

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QUOTE(grim.fandango @ Apr 2 2018, 05:36 PM)
Not lazy but people who are desperate for credit is people with higher risk.
*
Ooh that they way they asses the applications...
Okay. I learned new stuff..
AntiScam
post Apr 2 2018, 05:41 PM

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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...

sos: me..myself...finally after 10 years ++...managed to close down one card today...so relieved!
*
some people want to build their credit score by applying one ma.
omgimahero
post Apr 2 2018, 05:44 PM

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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.
ahpooki
post Apr 2 2018, 05:46 PM

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cash is king...!!
ahpooki
post Apr 2 2018, 05:48 PM

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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...
SheepGeeks
post Apr 2 2018, 05:53 PM

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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.
jackal75
post Apr 2 2018, 05:59 PM

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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.
rapple
post Apr 2 2018, 06:01 PM

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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...

sos: me..myself...finally after 10 years ++...managed to close down one card today...so relieved!
*
Sorry to say, you are just bad at managing or controlling your own spending.

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
SUSRyuGW90
post Apr 2 2018, 07:13 PM

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U got ask them what reason?
UOB should have accepted your application
TSkenJi2788
post Apr 2 2018, 07:45 PM

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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?
boonhan
post Apr 2 2018, 07:56 PM

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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...

Might have higher chance & lucks....
*
second this, sometime they keen on the sale, they make appeal for u also.
boonhan
post Apr 2 2018, 07:57 PM

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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.
Anyway to appeal or not?

If CC also been rejected I think perhaps hopeless too for loan such as car loan?
*
usually call in, every single time, confirm will tell u undisclosed reason and confidential.
crabken
post Apr 2 2018, 08:05 PM

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pledge fd lo
nexona88
post Apr 2 2018, 08:06 PM

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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.
Anyway to appeal or not?

If CC also been rejected I think perhaps hopeless too for loan such as car loan?
*
Hah!
Didn't give specific reason..
Just give general answer of credit problems...

Wasting time calling them...
TSkenJi2788
post Apr 2 2018, 08:23 PM

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QUOTE(crabken @ Apr 2 2018, 08:05 PM)
pledge fd lo
*
Is this gonna work?
Khizamaro88
post Apr 2 2018, 08:59 PM

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Summit FD with your salary slip will get higher sucess rate..
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post Apr 2 2018, 09:10 PM

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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.
Karweng_yong
post Apr 2 2018, 10:20 PM

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Apply with FD. Comfirm get
SUSDavid83
post Apr 2 2018, 10:21 PM

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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.
WhitE LighteR
post Apr 2 2018, 11:29 PM

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QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM)
I want to build my credit score.

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?
*
U can try to apply supp card first. After 6 month apply under own name

This post has been edited by WhitE LighteR: Apr 2 2018, 11:29 PM
TSkenJi2788
post Apr 3 2018, 07:25 AM

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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?
TSkenJi2788
post Apr 3 2018, 07:29 AM

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Sifus, do you think 10k fd enough for pledging a cc or not if let say I really want to apply a cc?

abahumie
post Apr 3 2018, 10:56 AM

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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.

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.
*
yapp...totally agreed with that... laugh.gif

luckily I set limit to my cc just up to 5K only...whenever near the limit, i clear up...then use again.. bangwall.gif ..few times tried to close the card...failed...hahahahah
cmk96
post Apr 3 2018, 12:00 PM

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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.


Avangelice
post Apr 3 2018, 12:28 PM

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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
TSkenJi2788
post Apr 3 2018, 02:27 PM

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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?
nikewee
post Apr 3 2018, 02:57 PM

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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
fuzzy
post Apr 3 2018, 06:02 PM

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QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM)
I want to build my credit score.

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?
*
Could be because you don't have a payment / commitment record, thus banks can't establish if you have shown prior good standing before.

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.
TSkenJi2788
post Apr 7 2018, 07:18 PM

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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?
applesmiley
post Apr 7 2018, 08:27 PM

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QUOTE(kenJi2788 @ Apr 7 2018, 07:18 PM)
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?
*
It's your girlfriend's. CCRIS will follow principal cardholder.
xswatch
post Apr 7 2018, 08:33 PM

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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.
xswatch
post Apr 7 2018, 08:35 PM

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QUOTE(kenJi2788 @ Apr 3 2018, 02:27 PM)
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?
*
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.
TSkenJi2788
post Apr 7 2018, 08:49 PM

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Ahhh alright thanks for your replies!!!
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post Apr 7 2018, 08:51 PM

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QUOTE(kenJi2788 @ Apr 2 2018, 05:49 PM)
I want to build my credit score.

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?
*
CIMB is easy to get I think.
darkmusses
post Apr 7 2018, 09:38 PM

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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
lapland
post Apr 8 2018, 03:24 AM

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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.
hong823
post Apr 8 2018, 04:14 PM

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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
TSkenJi2788
post Apr 8 2018, 11:16 PM

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Really thank you for sharing, will try to do so!
wkalvin
post Apr 9 2018, 10:19 AM

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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?
SUSDavid83
post Apr 9 2018, 10:57 AM

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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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post Apr 9 2018, 10:48 PM

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QUOTE(kenJi2788 @ Apr 3 2018, 07:25 AM)
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?
*
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 defaults
TSkenJi2788
post Apr 10 2018, 01:34 PM

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Update on 10/04/18

Aeon credit card approved within 1 day lol
raclette
post Apr 12 2018, 10:38 AM

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QUOTE(kenJi2788 @ Apr 10 2018, 01:34 PM)
Update on 10/04/18

Aeon credit card approved within 1 day lol
*
any benefit?/annual fee/waiver?

got myself maybank ikhwan cc quite easily after a year plus paying my car loan.
TSkenJi2788
post Apr 12 2018, 12:55 PM

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QUOTE(raclette @ Apr 12 2018, 10:38 AM)
any benefit?/annual fee/waiver?

got myself maybank ikhwan cc quite easily after a year plus paying my car loan.
*
2% cb Online and oversea transaction
5% cb on petrol (Sunday)

Then mostly cb and memberpoint for Aeon big
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post Apr 12 2018, 08:04 PM

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post Apr 13 2018, 11:20 AM

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Last year I applied AEON Credit card, in just a few days, got my Gold Visa CC with 5k limit. lol
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post Apr 24 2018, 10:58 PM

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QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM)
I want to build my credit score.

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 10th April 2018
Went to apply aeon credit card and got approved within 1 day lol
*
Congrats bro! Why so hard meh..my 1st cc approved by mbb was 4 years ago..on that time my salary only 2300..luckily I have asb loan with maybank so they counted current + future dividend as income..give and take my monthly income almost 2.6k
Xaser_3
post Apr 24 2018, 11:04 PM

Because I Fly, I envy no man on earth...
********
All Stars
10,339 posts

Joined: Jul 2008
QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM)
I want to build my credit score.

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 10th April 2018
Went to apply aeon credit card and got approved within 1 day lol
*
Congratulations and remember to use it wisely, otherwise it will backfire on you and put you into debts.
lordgamer3
post Oct 22 2021, 11:10 PM

Casual
***
Junior Member
476 posts

Joined: Oct 2004


QUOTE(WaCKy-Angel @ Apr 2 2018, 04:55 PM)
On the contrary i applied Maybank rejected, then applied Citibank approved..
*
Maybank wanted to give me cc when i was taking a car loan but i rejected then cz i didnt want another card, my kolik apply for citi kena reject they say she high risk but i wonder why so now i apply citi see if dapat or not.




This post has been edited by lordgamer3: Oct 22 2021, 11:12 PM
JIUHWEI
post Oct 22 2021, 11:53 PM

Enthusiast
*****
Senior Member
922 posts

Joined: Nov 2008
QUOTE(kenJi2788 @ Apr 2 2018, 04:49 PM)
I want to build my credit score.

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 10th April 2018
Went to apply aeon credit card and got approved within 1 day lol
*
I intro you la.

Confirm dapat.

 

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