Don't apply. Won't get it. Too many applications can be negative indication already.

Take the advice from me, I have no cc. 33 years old, but I'm B40. My last apply I think 09/2022, multiple apply in 2022. Plan to try again 06/2023.. because I've managed to built my CTOS.

Apply for small amount of personal loan with bank/tng, I know interest is high but it will help build your credit score. Make sure pay on time. After 6 months, apply for CC again. Try to get your loan settled up to 90% by then.

This post has been edited by Natsukashii: May 29 2023, 11:21 AM