u/kratos-028

Hi everyone, I own no credit cards yet Never took any loan so my CIBL is not generated yet. Banks reject my cc applications and the bank in which I have salary account says I'm not pre approved for CC. Today my bank (DBS) has introduced new rule of minimum 10k spend per quarter for lounge access in by debit card.

I have few questions:

1. Should I change my bank? Do you guys have better options? What should I look for
2. I travel like 8 flights max an year so what cc should I take for lounge access?
3. How to increase credit score fast?
4. I want to take a home loan in few months so which bank will be better?

I am thinking for HSBC. My roommates have hsbc cards and they use it for all our groceries and dinners

TLDR: Please suggest a bank for salary account and a CC with minimal annual fee and no spend limit on lounge access.