Dude.. there are so many banks with credit cards out there. Why do you aim the top banks who receive thousands of applicants everyday?..

Can you imagine they can pick and choose who they want to give their CC to.. ofcourse they will reject those applicants who arent up to their standards.

Even if you meet the minimum requirements.. there is somebody like myself who has 10 years of good credit history.. all kinds of loans, fully paid off and giving the banks business in the form of paying loan interest worth more than 20k rm ever year..

Who are you? You are nobody to them.. likewise, im a nobody and that's why I didnt even bother applying for pbb card until they gave me a home loan with a credit card attached with it.. plus they gave me one of the lowest credit limit I've received in a long time..

You are not wrong in aiming to build credit history as soon as you enter the workforce.. it is the first path towards building your networth .

Why not start with the lesser banks or even shopping credit cards.. like aeon cards. Any card is better than no card. Im pretty sure you will be able to get a card eventually.. provided you start from a low tier credit card.

Then go from there.. everytime you meet the requirements, wait 3 months to build payslips then submit to the banks..

It is good to have a fd placement too.

Best of luck. Whatever it is, credit isnt a right.. it is a privilege. Dont take it forgranted.

This post has been edited by Liamness: Dec 10 2019, 08:50 AM