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Q&A reapply credit card application, need to wait?

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tom_tombak
post May 29 2023, 11:27 AM

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Just do a 10k PL & apply back after 1/2 year if u really need it
MrBaba
post May 29 2023, 11:27 AM

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QUOTE(guysmiley @ May 29 2023, 11:16 AM)
hail to all k\s

so my credit card applications got rejected. 3 banks already. i want to reapply with another bank. need to wait before applying new? how long?

not so tldr:
so i havent got any credit cards or any loans for the over the last 15 years. so my new employer always sends me overseas (asean je). cut story short, they want me to get credit card so its easy to claim using card statements. banks said my credit history too clean. my ctos score also 580 only. i got no ccris or black list anywhere.

thanks for reading.
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Don bother to apply dy . U need to do deposit to get yr first cc then work from there ..
Ps every time they reject yr cc application bank negara got record one u know and bank scoring system will keep deduct yr score .
TSguysmiley
post May 29 2023, 11:27 AM

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QUOTE(tatabun @ May 29 2023, 11:25 AM)
should be ok leh.. u have monthly slip some more..
clear cut case…

if u want pm me i can reccommend some of my sales contact from Maybank, CIMB, OCBC & HSBC

or you could try via affiliate ie : ringgit plus or compare hero.. they will have those tng reload free gifts
*
thanks. will consider to contact u. wanna try public bank 1st where my salary goes in.
erry-
post May 29 2023, 11:28 AM

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Go hlb, apply credit card via fd (conventional only).
Limit will follow your fd amount.

So if u need to spend a lot on oversea, need to deposit high amount.

For islamic fd, go publicbank (they call it TD-i)

Both min rm2k.

https://www.hlb.com.my/en/personal-banking/...ed-deposit.html

https://www.pbebank.com/Personal-Banking/Ca...s-Required.aspx

I have contact who successfully got card with hlb. Open savings acc & fd deposit the money, after 3 working days need to come back to bank to apply card. He didnt apply pbe so no experience with pbe.

notworthy.gif
delphine.88
post May 29 2023, 11:29 AM

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Apply from the bank where your monthly salary goes in la
IamBlind
post May 29 2023, 11:29 AM

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you have very bad payment record is it? manyak susah to get CC
TSguysmiley
post May 29 2023, 11:30 AM

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QUOTE(IamBlind @ May 29 2023, 11:29 AM)
you have very bad payment record is it? manyak susah to get CC
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no lah. they said record too clean. not credit history
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