Unsuccessful Credit Card Application... WTF?!?!

[reddevil0728]

either must be cc collector or those "every-bank-cc-I-wanna-have-so-can-have-discount" customer lor...

got a guy in this forum like tt lor. and he in order to get invited for more premier cards, wait at counter and ask ppl if he can help them pay using his CC and they pay him back in cash

 

[cybertech]

either must be cc collector or those "every-bank-cc-I-wanna-have-so-can-have-discount" customer lor...

nothing wrong mah ... every bank I also have at least one CC with them

 

[misterGomez]

Rejected twice from Maybank, DBS. Dunno y also but OCBC give me.

 

[eRiCsSoN]

either must be cc collector or those "every-bank-cc-I-wanna-have-so-can-have-discount" customer lor...

But I dun have Diners and Bank of China cc

 

[cct75]

TS, u can consider getting a secured cc 1st to build up good records in your credit bereau report. Will definitely help you in your future cc application

My experience - Had a secured cc with DBS since 2008. Been paying bills promptly. Last yr Oct, I started to apply unsecured cc from all other banks - UOB, OCBC, SC, HSBC, Maybank, Citibank, CIMB, ANZ and AMEX - All approved

Juz made sure those "CC" that will charge u Annual Maintence Fess are being wavied-off else now entry card is already "Poor-Man" Platinum and Annual Fees now stands at ~$150 each Platinum Card.

Where are the good old days's "Standard" cards where Annual Fees are only $36!

 

[DinTiGGer]

TS, u can consider getting a secured cc 1st to build up good records in your credit bereau report. Will definitely help you in your future cc application

My experience - Had a secured cc with DBS since 2008. Been paying bills promptly. Last yr Oct, I started to apply unsecured cc from all other banks - UOB, OCBC, SC, HSBC, Maybank, Citibank, CIMB, ANZ and AMEX - All approved

thanks Bro
i think i will opt for this way ... kinda frustrating as my ** report is suppose to be "good" but i guess being empty is also a disadvantage ... sigh

 

[DinTiGGer]

well i made noise with ANZ corporate and 2 managers replied saying sorry they dont have the info and will get back to me again... gees so lau yah man ANZ ...

 

[cct75]

well i made noise with ANZ corporate and 2 managers replied saying sorry they dont have the info and will get back to me again... gees so lau yah man ANZ ...

Bro/Sis, you try via the Promoters or sign directly online?

 

[grapefruitjuice]

Does gross salary include AWS and bonuses?? my annual was 31k for FY2010 (on IRAS).. but citibank rejected me

the thing is i have a $500 limit citi clear card and i've been punctual in paying up every month, each time spending >$500 (because once i pay up before the due date, my $500 limit will be renewed again)

i heard that cc rejections will appear in the ** report - can anyone confirm this? hai. dont like negative things on my whatever report.

 

[naruto13]

Does gross salary include AWS and bonuses?? my annual was 31k for FY2010 (on IRAS).. but citibank rejected me

the thing is i have a $500 limit citi clear card and i've been punctual in paying up every month, each time spending >$500 (because once i pay up before the due date, my $500 limit will be renewed again)

i heard that cc rejections will appear in the ** report - can anyone confirm this? hai. dont like negative things on my whatever report.

bank to bank one.
i also got rejected by maybank but approve by other.

 

[xialankia]

Does gross salary include AWS and bonuses?? my annual was 31k for FY2010 (on IRAS).. but citibank rejected me

the thing is i have a $500 limit citi clear card and i've been punctual in paying up every month, each time spending >$500 (because once i pay up before the due date, my $500 limit will be renewed again)

i heard that cc rejections will appear in the ** report - can anyone confirm this? hai. dont like negative things on my whatever report.

Don't think it affects, citibank rejected me on my first application(1st credit card) but accepted mine 1 month later, along with afew other banks...

 

[sneggg]

Does gross salary include AWS and bonuses?? my annual was 31k for FY2010 (on IRAS).. but citibank rejected me

the thing is i have a $500 limit citi clear card and i've been punctual in paying up every month, each time spending >$500 (because once i pay up before the due date, my $500 limit will be renewed again)

i heard that cc rejections will appear in the ** report - can anyone confirm this? hai. dont like negative things on my whatever report.

bro last time i got the 500 card also n i applied for the normal c/c bt they ask me to fill up the upgrade form instead but still got rejected so i cancelled the 500 one today i recd mailer ask me sign up the normal 1 den got promotional funds trsf rate

 

[itedino]

Don't think it affects, citibank rejected me on my first application(1st credit card) but accepted mine 1 month later, along with afew other banks...

Why u so sway? Must be apply many cards at one time so they reject.
I all apply first time. ALl pass

 

[xialankia]

Why u so sway? Must be apply many cards at one time so they reject.
I all apply first time. ALl pass

No idea... maybe they just don't want to give me the freebies for applying 2 cards at 1 go=/ I only applied with citibank that month and I was quite sure I was quite above the minimum income of the cards I applied..

It happens I guess not that it matters... I must say citibank is the only bank that needs you to go down physically to collect the free vouchers... the rest just mail it to your doorstep.

 

[PapaLim]

HSBC,DBS and Maybank reject my application

 

[S1rius]

My 1st application was for citibank $500 during ns, got it. 2nd application after ns was for manhatten, got it. 3rd, scb platinum, got it. then tried anz, rejected. tried citibank, they asked mi cancel e $500 to upgrade to platinum, then got rejected, tried 2 more times, rejected.

Sad.

 

[cct75]

DBS & Maybank I am not sure. HSBC-wise, back many years ago, I was introduced their card by a Promoter and signed up. He even delivered the card to my ex-office. I find it under utilized and they did not waive off my annual charges so I cancelled the card. 2 years back, I see the usefulness of HSBC card and re-applied. First application failed. Few months later, I re-applied again and got it while on last job and quite a few colleagues of mine on that same job tried applying and also failed to get approval. Not sure why.

So far I am holding UOB, CitiBank and HSBC cards. Used to have SCB & ABN AMRO (converted to RBS) but did not find them useful so had termitated them. Dun think I need that many cards anyway. Perhaps, I will try to apply for DBS card since there are many DBS 0% installment plans available.

 

[cct75]

My 1st application was for citibank $500 during ns, got it. 2nd application after ns was for manhatten, got it. 3rd, scb platinum, got it. then tried anz, rejected. tried citibank, they asked mi cancel e $500 to upgrade to platinum, then got rejected, tried 2 more times, rejected.

Sad.

So you end up cancelled your $500 Citi Card and apply upgrade to Platinum but end up they reject your application?

 

[lasnoblur]

Does gross salary include AWS and bonuses?? my annual was 31k for FY2010 (on IRAS).. but citibank rejected me

the thing is i have a $500 limit citi clear card and i've been punctual in paying up every month, each time spending >$500 (because once i pay up before the due date, my $500 limit will be renewed again)

i heard that cc rejections will appear in the ** report - can anyone confirm this? hai. dont like negative things on my whatever report.

dont worry abt the whatever report. Nw credit card holders all over the street. i have friend student (no official annual income) also hold platinum cards.

Anyway, if u sign via promoters, its easier to get than self application.

I think last yr i tried upgrading my SCB manhattan 500 dollar card to platinum and gt rejected. That time less than 1 yr work. After that i cancel awy because no use also.

Nw only holding DBS / POSB and UOB. All 1st time application.

 

[S1rius]

So you end up cancelled your $500 Citi Card and apply upgrade to Platinum but end up they reject your application?

Ya. Damn zzz..