hi,
whether verify or process before approve,i also not sure?
coz actually i was reluctant to apply as i was having OCBC (housing loan,but free annual fee 5 years only),UOB,Hong Leong,Maybank,RHB credit card then..
Got sweet-talk by the HSBC who say i can get pocket watch free gift...and lator when my creditcard approved...i need to spend rm300 minimum....kena trick ...Arggg!!
All i know is HSBC call me on my handphone few days lator....answer some simple question...Presto....approved liao!!!
Same goes for CIMB-Petronas...apply coz free for life and AmBank Classic free for life....instant free gift some pvc pouch.
Nowadays i steer clear from credit card promotion booth.....free gifts temptation too great..
So within 2 months...i got another 3 new creditcard!!!! adding to my current collection.
think my total credit limit = RM116k approximate
and more debt lagi...
planning to cut those charging me annual fee..
you are to valuable for them.
i got few calls from HSBC, offer supplementary, buy insurance la... and bla bla bal...
but all kena rejected by me.