My Credit Card Application Journey: Secured by Savings!
Eximbank Violet Card
Within a whirlwind two weeks, I found myself holding three new credit cards from different banks! First up was the Eximbank Violet card. A colleague recommended a sales representative at a nearby branch. This person really seemed to know their stuff and explained the card application process quickly. They even suggested depositing 300,000 VND into the account to avoid fees. I used my savings account as collateral, securing a credit limit of 9 million VND with a 10 million VND deposit, which is perfect for my needs. The only downside was the sheer amount of paperwork. It also took the longest to receive the physical card compared to the others.
Sacombank Uniq Card
Next, I connected with a super helpful Sacombank representative based in Ho Chi Minh City. The service was amazing. This person provided clear instructions and even had the card delivered directly to my workplace, even though I listed my home address as the delivery address. I initially mentioned that I had already applied for a Sacombank card at another branch, but because I really wanted the Uniq card, I asked if I could apply through them. They said it wasn't a problem. About a week later, they asked if my Sacombank Tiki card was secured by collateral or unsecured. When I said unsecured, they helped me secure the Uniq card using my savings, resulting in a 20 million VND credit limit secured by a 21 million VND deposit! (I was surprised that both secured and unsecured cards were approved at different branches). The paperwork was simple, and the card arrived quickly, within about 4-5 business days.
KBank Cashback Plus Card
The KBank card application process was incredibly streamlined yet effective. After opening an account and depositing 10 million VND, I applied for the card, filled out the information, and skipped the income verification document upload. The next day, I was approved without any phone calls for verification or consultation. It was quite amusing! The card arrived the fastest, in just 3-4 business days.
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