Yesterday mid night, I just only submiited my online application for citibank clear card.........today lunch time they already call me. They even sending a despatch boy to come to my office next mon to collect my documents. Talk about efficiency......

I wonder whether will my application get thru as a colleague of mine had already applied twice....both also rejected. So far among my colleague, none of their application succeed. I'm just wondering whether mine will succeed? as my salary background likely to be the same like theirs.........

Does local ppl have more advantage??

My colleague none know what's the reason.......

But one thing for sure is when I told the agent who call me today about my company......he directly told me that my company is one of their financial listing......(his english damn great.....and I don't really understand what he mean)......and they could easily get our company record. My company is an international company. So I don't think is has bad record.

Ya my bro even told me it's easy to get.....currently his limit very high too.....but i didn't ask how much. But definitely he recommend me to get fr citibank first before trying the locals

Citibank s*cks.......just got my rejection letter today !!!

Going to boikot them.......closing down my saving acc there also....

This post has been edited by candy_chl: Apr 1 2008, 07:50 PM

hai.....dunno......only a basic clear card only leh........my AI oso around 25K.........fresh grad........mayb to them is not a potential customer......

can anyone suggest me other credit card that can approve fast as i'm going oversea next mth and another thing is has a lot privilage (like discounts at shops or restaurant - like citibank) ?

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Added on April 2, 2008, 10:49 pmreally? i not so sure about the HR at my side la........but then i did give their number to them as my company advice us not to give out our direct line...........actually can the citibank CS call my direct line instead of the HR? .......if can then i'm going to give them my direct line ......HR my side are useless.... .....that's why my company turn over time was fast .

actually the citibank CS should try call a few times before rejecting right..........as unlikely those HR ppl wil sit there wait their call.

This post has been edited by candy_chl: Apr 2 2008, 10:49 PM

Wah....definitely i'm not trying RHB bank. How fast is the approval for HSBC? after being rejected by citi, i thought of trying with HSBC or UOB.

good credit record......i dun think i hav a bad one though.......citi rejected me likely due to my AI was only ~25K. i never had a credit card b4 except the one supplementary fr my parents which i only use for emergency. currently still having it.......but of course now already working, hoping to get my own card.

actually when applying credit card, if i disclose i hav a credit card without telling them is supplemetary.......wil my approval be fast as i ady 'had' a credit card?? can they find out that it's actually supplementary??
isn't it funny that one side agent dying to get customer to sign up for a cc.......and the other side CS rejecting client's applications just because they miss one call?? where is the company professionalism??

i know UOB doesn't call up the HR for verifications.....how bout HSBC?? do they call for verification as well?? if depending on my HR to pick up these calls.......i can just 4get about applying card fr banks like citi

my AI only ~25K can get gold card meh........somemore with 10K limit......

bad history due to a celcom bill..... then definitely i'm a clean profile......dun even have any loan need to pay like PTPTN. does citibank requires cc applicant to hav at least work for 1 yr also?? i only worked for 9 mths ady.......some of my friends asked me to try again after 1 yr.......lol. sometimes really dun understand credit card company..........

Apply after another 3-6 mths.....then i can totally 4get about citibank already as i'm going oversea in may ady.

Ya now trying out HSBC and UOB. now planning to give one of the HR staff direct line.....if still rejected i going to scold the staff directly (at least i know who is it).....

to handle such ppl....1st thing is to say no ....next thing is i already have insurance......end of story. so weird cc offering all these insurance, if it's FOC of course no prob la, but it's not. isn't it better to get another application solely for insurance only?

Lol.......every bank needs to register web pin at ATM. otherwise everyone can misuse ur acc online......

mayb citibank more advance gua, they always promote paperless banking, that's y online banking must be efficient enough to accomodate......so far i know ambank, cimb bank, uob bank all need to register at atm 1st

Yalo...i oso wanna know. Coz i now applying both HSBC and UOB coz i'm need of using the cc........but likely would end up using only fr one bank only, easier to keep track.

if i din cancel it, will the bank call me or wat? those annual fees waiver i still need to pay?? especially those req to swipe min X times to waive

cc got any free look period.....like cancellation without any charges imposed??

if foreign bank no need to call??

actually y need to call?

noted when my bro went oversea, some bank will call home to ask for confirmation only.........should be ok rite if we didn't call in the first place before going oversea?

This post has been edited by candy_chl: Apr 27 2008, 02:58 PM

the online tracker thingy is useless, i already know they processing my application since last 2 wks, coz they did call me to fax some other doc, but somehow the tracker thing til now is not working at all. it's better to juz directly call them and ask.

erm.....i apply earlier than my colleague who is sitting next to me. she got receive call fr them at office but mine no news at all. not sure whether is rejected or not as i haven call them to check my status yet.

This post has been edited by candy_chl: May 1 2008, 12:23 PM

Ya definitely need luck.......my dat colleague manage to get her card already (both of us with same income as we'r still new in company). juz now called up HSBC.....gosh still working on labour day.....they say that my application was decline........i did ask them y........izzit the verification blablabla......but somehow he said actually no problem with my application (i guess he repeats dat for all case), and will file an appeal for my case.

Anyway, i already lazy to bother about this, after being rejected by citi and this HSBC...........just like wat u say depends on luck. just hope my DA and Ambank application will not end up like dat.

This post has been edited by candy_chl: May 1 2008, 12:51 PM

i never apply cc before, prev was using supplementary fr my parents, likely payment was good as i already been using it 3 yrs ady, currently even receive new card fr AMEX but is still sup fr my parents la. car loan or house loan or even PTPN loan......i dun even need it.

currently i just only wanted to have my very own card.......another thing is i'll be going oversea later and overthere they mostly use VISA. guess that they dun wan this potential customer......

Seriously if i really were blacklisted....... ...........speechless.

This post has been edited by candy_chl: May 1 2008, 02:09 PM

nah....never lost anything before. guarantor oso never. guess that citi and hsbc was too strict gua. but today i called to check on my DA card and it's approved already. will be sending to me by next wk, at least i dun hav 2 go to the bank negara trip juz to check whether i'm blacklisted.

i'm going oversea next fri ady.....i need a visa card......dat's y i'm desperately needing the card urgently. Didn't know citi and hsbc took so much trouble

Ic.....guess that could be one of their reason for decline my application. but anyway, they could be the one losing out as i plan to do a lot of shopping with my new cc card.