Outline ·
[ Standard ] ·
Linear+
CCRIS, CTOS, Blacklisted by Bank, Whats The different.
|
whatizlife
|
 Oct 21 2021, 04:57 PM
|
Getting Started
|
Hi guys, i've been paying PTPTN constantly for 12 months. other than that i have no more other loans,
recently tried to apply for pbb/HLB/hsbc basic credit carad, but all application failed,
ask the reaosn but the banker tell me they have their own rules to approve my card
so after thinking so many things, i think im lack of saving. how much savings do i need to at least in bank acc to let them approve credit card?
i have only around 2k saving in my bank account, other money was put into other investment.
|
|
|
|
|
|
whatizlife
|
Oct 21 2021, 06:59 PM
|
Getting Started
|
QUOTE(MUM @ Oct 21 2021, 05:06 PM) does you income qualified for credit card application? try use debit card? try use your saving as "pledged" credit card application? the reason i apply cc is because i heard my friend say in future im applying a house loan, it will be eaiser for bank to approve the loan as they will see my ccris healthy or not by checking at my payment record... correct me if im wrong. thanks |
|
|
|
|
|
whatizlife
|
Oct 21 2021, 10:06 PM
|
Getting Started
|
QUOTE(Hoshiyuu @ Oct 21 2021, 09:48 PM) For your reference, I managed to convince PBB, Affin, CIMB to approve 4 of my currently using credit card while my PTPTN is 4 years in arrears (only started to pay for 3 months after finally getting a proper job) after initial rejection - I feel like often they just reject by default, but a well written appeal letter often works. I went from having no credit to a combined credit limit of 20k over a couple months, without needing to do a FD pledge. Perhaps you can try to write an appeal letter first? hi, may i know what reason u use in your appeal letter? or u have a large sum of money in your savings account? |
|
|
|
|
Quote
0.0151sec
0.50
7 queries
GZIP Disabled