When you want to apply for credit card, it seemed like the banks will give you a hard time to apply, to process and to accept your application and at the end of the day, they will either give you ridiculous offer or decline your application.
When you don't want to apply for credit card, the banks will swarm you everywhere you go, encouraging you to apply for one when you don't need them.
So, yes, I've applied credit cards from two different banks (which I have active accounts in) and both declined and gave me ridiculous offer. What pisses me off is that they cannot disclose the reason to why it was declined, so how would the customers know what went wrong in the application. The bank advised to reapply again and there might be chances that it will be declined again without a valid reason...hmm...
Yes, I don't have a fix income, EPF, etc...
I don't even want to have a card but I need to have one especially on those times I'm away from the country.
Oh well........Credit Cards!
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