auron said:i think not really lar..... if your income is not far off, most probably they will approve....
the ocbc send me a pre-approved titanium card form for me to sign even though my annual income cannot qualify.
nowadays, bank are desparate for ppl to take up their credit cards.
in the very competitive credit cards market, banks will balance between marketing efforts and compilance, fully aware of the consequences of the position they adopt.