My Credit Card Controversy

Let me share with you my credit card history. Oh wait, I can’t, I HAVE NONE.

Yes, that’s right. I don’t have a credit card. Well, just one, but it’s a supplementary of the husband’s so that doesn’t count. It’s not mine.

I know some of you are currently going “That’s good! Credit cards are evil!!”

Yes, yes, I am very well aware of the shopaholic-gone-out-of-control effect that it can have on some people but I need a card for two reasons only, emergencies and business.

Now, here’s the issue. Ever since I started working, I have been applying for credit cards. I have never been approved for one. NEVER. I have been working for SIX YEARS. Every year I apply for credit cards from at least three banks and my applications get rejected EVERY SINGLE TIME!

Today, I went to our National Bank to check on my credit status. I have begun to suspect that perhaps someone has stolen my identity, forged a loan or card under my name or something, which is causing all these rejections.

I got there, printed out my statement (within 5 minutes, amazing service at BNM!) and carefully looked through. Nothing. It stated exactly what should be there. No one has forged anything. My records are SQUEAKY CLEAN.

So whyyyyy, please oh please tell me WHYYYY can’t I get a freakin’ credit card when others get cards thrown at them!? My colleague even gets pre-approved cards SENT TO HIS HOUSE!

I’ve applied to EVERY SINGLE BANK in this country and got rejected by each and every one of them!! What is going ooooonnnnn!!

You know what. It’s a conspiracy. I think all the banks of Malaysia got together and decided to play a little game. It’s called “Don’t Give Raja A Credit Card Game”. HUuuwaaaaaa!!!!

Wait a minute. There’s one more bank I haven’t applied to. Al-Rajhi!! Ok, one last try and if I get rejected by them too, I give up.

*I just realized the excessive use of exclamation marks in this post, :P*


  1. Do you have a credit bureau over there that can churn out your credit rating? Banks award credit cards based on your ratings. Those who don't have a credit history find it harder to get credit. LOL. Sounds funny right?

    Maybe can start of with a low limit one like RM500 first. Usually those go through a less stringent approval process. But if you don't USE your card, then its harder to apply for subsequent cards. I read this off an article a couple of months back.

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