my friend earns lesser than me can gt creditcard but not me?
-
ya correct... i working in the bank its really like that... must have good payment records.. once ur name smelly in 1 bank, credit bureau will know = all banks will know. Other than that they also look at ur occupation but i shan't quote those i know of who hit the income criteria but was rejected,Originally posted by red_amoeba:alot factors come into play:
a. your monthly / annual income? Does it borderline meet or far exceed 30K?
b. your employer - what industry are you in, big M&C or small SME? Certain industry/company, I know they very careful & not anyhow approve.
c. your credit record - eg: are you owing any banks any loans ?
d. also, length of your working - ie if you have only been working a few months, maybe not so soon.
Another factor could be, you did not fill in the form accurately or fail to provide certain information. I was rejected twice by certain local bank until i fed up & not apply. Alternatively, try to apply those smaller banks (more desperate) like Maybank / Stanchart / ABN
If all else fail, you can always apply for debit card first & later request to upgrade to credit card. its always easier if you have some prior banking relationship. Or wait till one of those telemarketers call you & apply, its faster.
then if u 1st time applicant who may hit the income criteria but then they can't really trace ur pymt records then those more conservative bank wont take the risk lor... and rejected they oso wont tell u the reason even if u call in and ask... they can see the reason but can't tell... -
Why feel no face? Cash is king!Originally posted by TaeWoon:no...
is there anyone who works in bank sector kindly avd me what sho i do?
i feel so" no face" ... knn my friend how lian he has it ... knn
-
Anyone can afford a mercedes benz, its only the monthly installment you have to worry about.
-
can we use debit card overseas?
-
Originally posted by gnoik:
[/b]
[b]can we use debit card overseas?
My question is why not?
Debit card carried the same function as a credit card except the you need to have the $$ before you can use it...
-
yup. one can use debit or credit or atm card overseas. It's the system you using.
Credit cards uses eiither visa or mastercard system. In sg it doesn't matter because almost store that accepts visa accepts mastercard and vice vesa. Overseas is a different ballgame altogether. Some areas only accept visa OR mastercard.
Debit uses the same set of systems.
Our local ATM cards uses NETS system. So if you find a NETS overseas most properly you can use it too. But take care, some may be the same system but because some overseas bank uses a 5 digit pin instead of a 6 digit one, hence although the system is compatible but the hardware is unable to read from your card.
Other systems overseas also include Cirrus, Mastro.
My take, depending on which country you're going, it's always good to have 3 cards from 3 different banks for emergency uses and big ticket purchases. The best is still to use cash that you change over at the local money changers as the exchange rates are better than visa or mastercard's. (Yes, when you swipe overseas it's NOT at the banks' rate but Visa or master's)
hence cash wins!!! hoho.
So in relation to TS's, I understand your dielma that you are not able to get one a the current moment. I guess status and face is very important to you. No use complaining about it. You can either apply again with different banks, or wait till you have a higher pay.
And, banks will not be able to tell you why your application's not approved. -
ur friend's bank acc gt moneyOriginally posted by TaeWoon:WTF.. CAN SOMEONE WORKING IN THE BANK TELLS ME WHAT'S GOING ON??? so angry
-
why do ppl keep insisting getting CC is for showing off? it's damn common nowadays to have one...what's there to show off?
you know how some retailers, esp ktvs and some restaurants give you lots of coins for your change when you pay by cash. just because most ppl would only take the notes, and leave the coins as tips? well, charging the bill to cc can avoid situations like that... also, i get to earn points...can redeem movie tickets, can use it to bid for online auction...and as long as i pay off my bills every month, i see no problem at all... -
Get a visa debit card - better than to accumulate debt .Originally posted by TaeWoon:need a credit card with me for raining days loh... if not i wont apply for it one... -
In Australia , I can buy one used mercedes benz for 5k-6k ....only problem ....1970s model with plenty of rust .Originally posted by ditzy:Anyone can afford a mercedes benz, its only the monthly installment you have to worry about. -
After u get the first card, slowly more and more coming in. Later, when u call up to cancel they wavie the annual fee. See they more despo then u.
-
Haha so difficult to get credit card meh?You sure or not?I everytime pass by those bus interchange,there full of people asking for working adults to sign for credit cards leh hahaa
The per month interest so much,i rather don't want to have a credit card unless i am going oversea which i think will be more useful.
And TS really have a wrong concept,there nothing much to hao lian that you have a credit card,it the cash at bank that matter.