My Tryst with Credit Cards in 'Can Orready' land
'You can orready apply orready. Can. The Bank will send you a note if we accept your application. Can?'
Can not!!
One of the prime reasons I want to get back to Bombay is because of the way Singaporean Bankers have treated my countless applications for a credit card.
Applying for a credit card??
In India, squeaky voiced high school drop-out girls would harrass me and everyone I knew to apply for new cards. They went to the extent of even filling your application for you, and offering you years of free membership.
For the record, I had 3 gold cards in India...
Now for sunny Singapore!!
Cut to Orchard Road on a Sunday. Citibank has put up a stall with Clarice Chan (fat and big chested), the sales person trying to sell cards to passersby. I am in need of a credit card. I have only a NETS card, which is not accepted in night clubs and cannot be used on the internet. I walked up to her. She did the check: Income, Visa, etc etc and I fit the bill. I went through the application process, and in a week, got to know that it was rejected.
Same with DBS and POSB - where I have my savings account.
My most recent application is with OCBC Bank.
And to top it all, people with half my income (but Singaporean Can) have creit cards.
Banks have a right to refect applicatons. But if all the mentioned criteria are met, what causes the rejection? I just don't get it? A foreigner in Singapore requires atleast $5000 a month as income. How many Singaporeans with credit cards make that money? This distinction is what pisses me off. (Singaporeans require a salary of just $2500 per month to apply)
So, if you have any ideas how I can change my fortunes, please let me know. Its tough when your girlfriend knows exactly what you buy and where you go!!
Can not!!
One of the prime reasons I want to get back to Bombay is because of the way Singaporean Bankers have treated my countless applications for a credit card.
Applying for a credit card??
In India, squeaky voiced high school drop-out girls would harrass me and everyone I knew to apply for new cards. They went to the extent of even filling your application for you, and offering you years of free membership.
For the record, I had 3 gold cards in India...
Now for sunny Singapore!!
Cut to Orchard Road on a Sunday. Citibank has put up a stall with Clarice Chan (fat and big chested), the sales person trying to sell cards to passersby. I am in need of a credit card. I have only a NETS card, which is not accepted in night clubs and cannot be used on the internet. I walked up to her. She did the check: Income, Visa, etc etc and I fit the bill. I went through the application process, and in a week, got to know that it was rejected.
Same with DBS and POSB - where I have my savings account.
My most recent application is with OCBC Bank.
And to top it all, people with half my income (but Singaporean Can) have creit cards.
Banks have a right to refect applicatons. But if all the mentioned criteria are met, what causes the rejection? I just don't get it? A foreigner in Singapore requires atleast $5000 a month as income. How many Singaporeans with credit cards make that money? This distinction is what pisses me off. (Singaporeans require a salary of just $2500 per month to apply)
So, if you have any ideas how I can change my fortunes, please let me know. Its tough when your girlfriend knows exactly what you buy and where you go!!
posted by Arun Nair at
11:39 AM
1 Comments:
2 weeks ago, for the first time I was pre-approved for a Gold Card from HDFC with a limit of Rs 3 lakh and no fees. They sent an executive over who made his presence smelt (BO)and felt (with a loud continuous fist-hammering on my door).
I shouted at him for that and he almost wet his fricking pants. He stated that I would have to cough up Rs. 1500 as first year fee and then it would be free for a life time. I told him that I was offered a no-fee offer. He said he would write off the 1500.
All I had to do was sign my name twice on the form.
Day before yesterday I learnt my application was rejected. I guess it was because I almost made the house calling executive piss in his fricking pants and it was his revenge by making sure I couldn't get the card.
How will I ever survive? ;)
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