Nope. it depends. I first apply uob credit card, i would say this is the easiest credit card to get, even your ccris clean & shine. After 6 mths, u can start apply other bank cc.

if apply housing loan, pls submit cc application together, higher chance to get approved. 

in just 6 months after released from akpk, my mortgage loan approved, 1 premier banking credit card + 2 visa infinite.

any one have HLB akpk direct contact phone number?? my card done pay but until now they still didnt update at portal. always call only go to some customer service officer cant manage to get the actual AKPK PIC.