Public bank is more conservative. Last time I buy car using their HP loan, the loan agent help me apply a CC on the side, they also reject. That's right, they can loan me tens of thousands to buy a car but can't trust me with a CC.

Meanwhile, Citi gave me two cards not long after I got my first job which I am still using until now.

This post has been edited by dares: Dec 9 2019, 08:36 AM