i would say be careful of some agents , they just wanna submit for u to fulfill quota . I applied a citibank card but I didn't provide my working address and said would call her back to fill the details in ... but I was travelling for 2 weeks and forgot about it ... a month later ... I got a letter from citibank rejecting my application which should not have been submitted cos info not complete.

the agent never answered my calls and sms at all ...