QUOTE(cybpsych @ Jun 20 2019, 03:57 PM)
ask your friends to approve your card, can?
just kidding
if an application is reviewed by human, then there will be variation/subjective in assessing the requirements. perhaps there is certain threashold % which will allow it to go thru? perhaps there are other reasons? perhaps income is lower than min req., but there are other areas which the approver deem reasonable? we dont know the exact policies.
statements from your friends may not apply equally to EVERY banks out there. each has their own assessment policies and risk assessment.
even your friend said "posssible to approve". it doesnt guarantee everyone, everytime. each individual is different.
He no longer working in banking industry if an application is reviewed by human, then there will be variation/subjective in assessing the requirements. perhaps there is certain threashold % which will allow it to go thru? perhaps there are other reasons? perhaps income is lower than min req., but there are other areas which the approver deem reasonable? we dont know the exact policies.
statements from your friends may not apply equally to EVERY banks out there. each has their own assessment policies and risk assessment.
even your friend said "posssible to approve". it doesnt guarantee everyone, everytime. each individual is different.
Yeah. the subjectiveness is what I kind of hoping for to get the approval. I only serve PTPTN loan for now, which I did timely payment every month. So I thought the chances for me to get approved are quite high... manatau kena slap on the face pulak.
Jun 20 2019, 04:09 PM

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