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.
