Credit Card Application

[berlynn81]

Can I apply a credit card if my credit reports shows GX? There's no grading given

 

[sbs199]

Gx means enquries only. You don't have cc now. You can apply. after some time you will have a number score

 

[berlynn81]

Dun have any cc now. But everytime apply also not approved.

 

[Trazora]

Dun have any cc now. But everytime apply also not approved.

You met the eligibility requirements eg annual income, for the cards you apply?

 

[berlynn81]

Yes. I met. My annual income is confirm above $30k

 

[Trazora]

Yes. I met. My annual income is confirm above $30k

Which cards you tried to apply so far. Have you tried to enquire why your applications are rejected?

 

[berlynn81]

Applied for UOB, Citibank , ANZ , DBS. I never enquire y my application not successful

 

[Trazora]

Applied for UOB, Citibank , ANZ , DBS. I never enquire y my application not successful

Is your income regular or commission based? Maybe can try enquire from bank why rejected.

 

[berlynn81]

yes.. its is a regular income. I now applying for HSBC. See will they approve a not

 

[oceanicmanta]

yes.. its is a regular income. I now applying for HSBC. See will they approve a not

do u have 12 month CPF contribution history ?
which bank do you credit Salary into ?
which bank do you keep your regular banking relationship with ?
which bank do u have most $ in ?

 

[berlynn81]

Yes. I have 12 CPF contribution history. Salary credited in UOB and $$ in UOB.

 

[StealthShadow]

hm... do u have any history with banks (i.e. apply cards 5 years ago or whatever)?

one way if you cannot find out why you got rejected, is to get a secured credit card to build up credit for at least a few months first.

 

[Lagu88]

Ha, I applied all local banks all rejected. AMEX got approve. Looks like local bank don't like to earn money through interests, credit card transactions and merchants. Lol, jin satki.

 

[StealthShadow]

Ha, I applied all local banks all rejected. AMEX got approve. Looks like local bank don't like to earn money through interests, credit card transactions and merchants. Lol, jin satki.

u got Amex when all others reject you... some other guy on the forum got rejected by Amex...

credit card approvals are a mysterious beast

 

[berlynn81]

My card has been approved. Received a email from HSBC and awaiting to receive my card.

 

[Trazora]

My card has been approved. Received a email from HSBC and awaiting to receive my card.

good for you

 

[ORELLE]

Ha, I applied all local banks all rejected. AMEX got approve. Looks like local bank don't like to earn money through interests, credit card transactions and merchants. Lol, jin satki.

Amex promoter told me that their company base on our NOA for approval.

 

[Henabi]

My card has been approved. Received a email from HSBC and awaiting to receive my card.

Congrats! Enjoy!

Amex works a little different from regular bank credit cards imo... right now amex is reviewing to increase my credit limit

 

[berlynn81]

trying to apply the diners sheng shiong card now.

 

[silentknvght]

Ya try to get secured credit card... I applied for CIMB unsecured credit card tio rejected.. but ANZ and SC approved my normal CC application. I'm a GX too haha