Obtained TU report at TU office at suite 1006 / 9 Canton Road Tsim Sha Tsui. Category: A Score: 99.89% Credit history only shows from Oct 2009 until today, which means it only counted the last 5 years. Credit card applied in 2014: SC - Plat Visa and AE world miles DBS- Plat Visa - Eminent- World Black Hangseng Bank- VI Visa It seems even if you've applied many credit card within a year, it won't effect you credit rating/score. First time being rejected for a credit card was Citi Prestige. (Reason was given: checked my credit report and based on the information provided.) However, I called CS manager Ms Leung today and provided my credit report information, she felt strange too and requested an appear for me. She said the decline message did not mention I don't have enough salary, and it's only shown that based on the credit report. However, my credit report is defintely outstanding. Don't know how to upload pic, otherwise will upload a pic of my credit report's rating and score.