Credit Card Application

[berlynn81]

ANZ rejected me recently

 

[littlepaw]

got rejected by SC recently. Now can get one free credit report from Credit Bureau after credit card application

 

[Lagu88]

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

You can always try, did not try hw we know can or not.

Actually, I have been reading the reasons fro credit card application rejection. I just realized that according to this article: money_usnews_com/money/blogs/my-money/2015/01/19/5-reasons-your-credit-card-application-got-rejected (change "_" to ".")

In the us, they have laws stating that "Under the Equal Credit Opportunity Act, a lender must give you the specific reason for rejecting your loan or credit application. You must ask within 60 days of being notified. ".

I have enquired the reasons from local banks, but this law does not seemed to exists here, hence, there can be possibilities of prejudices and discriminations through abusive approach since they don't have to give you any reasons for rejection. If I did not recall wrongly, someone here kanna a lot of rejection fro a single bank just because he scolded one of the staff before.

Such Act is actually important to ensure fairness to both consumer and business (how we know the boss actually don't want to earn that money from your credit card).

 

[Lagu88]

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

nah, there's no NOA in my current account. Most probably is credit bureau.

 

[berlynn81]

can i pay my hp bill and sp services bill using HSBC credit card? Someone please advice.