May 5 2025, 08:33 AM
QUOTE(ZeroSOFInfinity @ May 5 2025, 08:28 AM)
This. Local banks very lansi won't give you CC unless having "substantial amount" in your account (FD, savings, investments, etc).
While foreign banks welcome you with open arms and don't matter how much you have, so long you are "clean" and not blacklisted.
How I know? I applied before Harimau and HLBB. Both rejected. But PBB I can get because a majority of my money is in there, while the previous 2 only got some money. For Citi (last time) and UOB though, applying online and via branch, got approved and card sent within next month.
The thing is, local banks want "security" while foreign are more "repeat customer minded".
Any zero annual fee cc can recommend? I also use citi (now UOB) but because my annual usage decreased this UOB kiamsiap only willing to waive half the annual fee. While foreign banks welcome you with open arms and don't matter how much you have, so long you are "clean" and not blacklisted.
How I know? I applied before Harimau and HLBB. Both rejected. But PBB I can get because a majority of my money is in there, while the previous 2 only got some money. For Citi (last time) and UOB though, applying online and via branch, got approved and card sent within next month.
The thing is, local banks want "security" while foreign are more "repeat customer minded".
Anyone know which bank got zero annual fee card?
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