POSB/DBS Everyday credit card application got rejected
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No, there is no restriction there.
The more the merrier actually from the bank's POV LOLOriginally posted by ^tamago^:i think either posb or mastercard dun wan u to hold 2 mastercards.... -
don't mind them.. there are plenty of alternatives to choose from. if you are adamant about it, maybe you can try calling them up for further enquiries..
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try the GO card?
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i want posb everyday card for carrefour 5% discount as i want to buy something from carrefour...and 1% rebate for utilities bill.
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If you meet all criteria, try applying for another cr card and see if you're rejected again. If you are, perhaps your info at the Credit Bureau (where banks can share customers' credit info) is wrong because some ppl/banks provided wrong info? This had happened before to innocent 'victims' who were not able to get credit card or bank loan approval.
You can ask for a report on your status at the Credit Bureau, by paying a fee of course.
But postbank cr cards are very strange one. Previously they rejected my SO's application for the free cr card. Then after we bought lots of furniture and charged it to my SO's other cr card, I asked SO to try applying to posbank cr card again, and sure enough, they gave him the free cr card after that (like I thot they would).
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i've the posb GO! debit card already , but have not activate yet .
Cuz i realised it canot be used for internet transactions
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Yar. I think DBS / POSB services & policies are dodgy tooOriginally posted by Wanda:But postbank cr cards are very strange one. Previously they rejected my SO's application for the free cr card. Then after we bought lots of furniture and charged it to my SO's other cr card, I asked SO to try applying to posbank cr card again, and sure enough, they gave him the free cr card after that (like I thot they would).
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Government owned bank mah. Sure dodgy one mah.
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I've stopped using DBS cr cards already, coz I don't fancy holding onto the phoneline for > 2hrs (yes, I've tested and gave up) and still be kept waiting, esp. when the mistake on my cr card statement was made by THEM!Originally posted by choco B:Yar. I think DBS / POSB services & policies are dodgy too Oh, and I had to tell them like 3 times in 3 months, before that error was finally rectified. 
I'm happy to use other free cr cards with better service.
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UOB CC and DC are good.........
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if u read the everyday posb card's clauses, it says it will terminate ur current posb mastercards and transfer all remaining balances to the new card.Originally posted by choco B:No, there is no restriction there.
The more the merrier actually from the bank's POV LOL -
maybe ur job status la..
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i do not hav an acc wif dbs/posb but i hav 2 of their cr cards... so no need 2 hav acc wif them wan... if u wan rebates... i tink citibank dividend card is better... got cash back oso...
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everyday got cash rebate as well.. but 5% for carrefour which dividend cannot match.. and 1% in utilities too.. dividend cannot match..Originally posted by life2121:i do not hav an acc wif dbs/posb but i hav 2 of their cr cards... so no need 2 hav acc wif them wan... if u wan rebates... i tink citibank dividend card is better... got cash back oso... -
this is why ppl who don't know anything should refrain from making "smart" retort...Originally posted by ditzy:You don't have an account for the bank you wish to apply the credit card from. Do you see where that is going?
back to the main topic...
things like that do happen...some ppl say if you can get a citibank card, you'll have no problems getting other banks' card...that is not true...a few years back, i submitted my applications for 3 cards, UOB, Citibank and Maybank at almost the same time, but i only got Citibank and Maybank's approved (i've only got POSB and DBS accounts)...and now, i get calls from other banks trying to get me to apply for more cards, which i always reject, cos it doesn't make much sense...
first of all, i have a visa and a mastercard, both of which should be accepted by almost all the merchants, and secondly, by having less cards, i can accumulate points faster...some cards let you waive off the yearly subscription if you accumulate enough points, while some will depend on your usage...
my maybank card is subscription free if i use it at least once every 3 months, and i spend just enough to get citibank to waive off my yearly subscription fee...so i dun see a need for more cards... -
Think of it this way.
YOU WOULD NOT HAVE A HIGH CHANCE OF GETTING A DEBT YOU MIGHT HAVE TROUBLE PAYING OFF.
Simple.
I use visa debit.
Better bank owe me than I owe them.
Oh ya my credit card - bank owes me money as well since I put money on it just in case -
you think debit card is smart???Originally posted by fymk:Think of it this way.
YOU WOULD NOT HAVE A HIGH CHANCE OF GETTING A DEBT YOU MIGHT HAVE TROUBLE PAYING OFF.
Simple.
I use visa debit. Better bank owe me than I owe them.
Oh ya my credit card - bank owes me money as well since I put money on it just in case
with credit card, you purchase the goods first then only pay the amount end of the month. your money can generate interest between the time you purchased and the time you actually pay it out of your bank account.
though amount may be minimal.. but it's better than debit card. -
how the bank owe u?Originally posted by fymk:Think of it this way.
YOU WOULD NOT HAVE A HIGH CHANCE OF GETTING A DEBT YOU MIGHT HAVE TROUBLE PAYING OFF.
Simple.
I use visa debit. Better bank owe me than I owe them.
Oh ya my credit card - bank owes me money as well since I put money on it just in case -
Transaction accounts in Australia have no interest. Savings have a tag on bank fee if you withdraw more than 6-8 times in a month.Originally posted by Glen999:you think debit card is smart???
with credit card, you purchase the goods first then only pay the amount end of the month. your money can generate interest between the time you purchased and the time you actually pay it out of your bank account.
though amount may be minimal.. but it's better than debit card.
Think credit card - they compound interest which you HAVE to pay. Of course with the right discipline , you may be able to spend within your limit to pay off within the interest free period. Many people don't know - they just spend until they get into a big debt . -
On the statementOriginally posted by FireIce:how the bank owe u?
CREDIT **** amount
Balance forward 0
Pay 0
Thank you .