But my friend applied for this same credit card as her second (the other one is a student Live Fresh card), with just 3 months of CPF and got approved (her salary about the same as mine by the way). It's weird because I do have a data point (that is my friend's application). I'm not rejecting people's suggestions, but when people can apply with just 3 months of CPF pulled from MyInfo, it kinda means that it's specifically something wrong with my credit profile (which I don't see anything wrong). Also, that previous rejection by CIMB reinforces my suspicions.
I did. I have AA Rating with 2000 score. Nothing to note other than these "risks", which CBS claims to "affect the Rating" (which is AA, so I'm confused):
1. "Credit Exposure" - Maybe got 3 $500 cards means bad? But if I close one, someone say that I lose the "history". But if I don't close I get marked as "too credit hungry". So it's a stupid dilemma. Nonetheless, I closed one just in case.
2. "Immature History" - My first card was in 2012 and it hasn't been closed?
I can try DBS, but the CSO keep saying I must close my $500 credit card, which has "token" spending (like $10 a month). They say if not, they cannot adjust credit limit for unsecured credit on their end. But if I close, wouldn't I lose the credit history and make my history even more "immature"?
Anyways, this is irrelevant to the thread.