I opened a UOB ONE account last year and was offered a UOB ONE credit card on the spot but I rejected it as I do not need the card at that point of time. Fast forward months later, I've decided to apply for the card and did it online but was rejected twice. Thus I contacted the customer service as I felt I am more than qualified in terms of income and the amount I have deposited in UOB. Customer service was unable to explain why the application was unsuccessful and he advised me to apply the card at one of their branches. I went down and sounded my concerns and the guy who attended to me didnt see an issue with my credit standing and he did another application for him. However, I received my 3rd rejected application with a letter to inform me to get my free credit report from CBS. I got my report with an AA rating, score 2000! Disappointed I contacted the customer service and asked her on who I should be speaking to but she was unable to explain why the application was rejected or was able to advise on who I should be contacting regarding such issue. She told me that no one will be able to help me even if I make a visit to the UOB branch. She told me to pledge 10K instead to get a card. I read about cases where pledging does not guarantee a successful credit card application if the bank does not value you as deserving of their card and this incident made me feel that I belong to that unworthy category despite my very healthy deposit amount with UOB. A total disappointment for my first card application with UOB. This is ridiculous and unacceptable! I cant believe that there is no one in the UOB who take charge of such matters.