Debt consolidation Plan

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melbourne10

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melbourne10 said:
Hopefully they expedite for you. Don't push too much later they do a quick rejection.
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From what we see here, it's rating, tenor, and ratio

But not enough data to make firm conclusion

Now there's a new one, % of monthly income to be spent on installment

Headache!!!
 
CeSaRiO

CeSaRiO

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I think I'm preparing for the worse case scenario at this current juncture.
 
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melbourne10

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Carlingford said:
Exact sentiment
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Like I don't even know if I should bother with BOC or reapplying to Citi or trying SCB... Meeting the eligibility criteria is nowhere sufficient and u just get jerked around by internal criteria that paints a much less rosy picture than their advertising and websites.

At least for DMP it's a 2-3 month journey that leads to a proper outcome (albeit most of the time, not all) and seriously at this point I don't want to hold out for DCP and the one month of credit alrdy. I want to solve my problem before the 18x hits.

I can easily avoid the 18x cap by updating all the banks with my current income BUT I know I will be damn tempted to start spending again once I see the "free" credit limit... :/
 
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