I was lured for earning higher interest rates with OCBC 360 account. To get bonus interests, I have credited my monthly salary to this deposit account and tried to apply their credit card. When I applied for the 365 credit card, I was asked to apply for the EasiCredit as well because it is "complementary" and I can't turn it down. The application of EasiCredit was approved in the following day, and the card and check book was sent to me in few days. However, after that, I was informed that my application for 365 credit card was unsuccessful and they refused to give me reasons. Note that, I don't think I am not qualified for the OCBC credit card, and they even offered me to take loans from them before submitting my application. Also, I have other credit cards from other banks for years with good credit records. I think OCBC is playing tricks to promote their other products (e.g., EasiCredit). It is hard for me to trust this bank again.