That's a very cool.... 8% Cash Back on every spend will be nice indeed.
Or raise all Cash Back capping to RM88 or RM118 or RM128 or ....

i applied for public bank cc, they received my application on 22/12 and still processing until now.. is this normal? my friend told me probaly get rejected.. this my first credit card.. my basic 2.2k..

iirc, historically in this forum, pbbank has a lower approval for first-timers.

perhaps, ask him "where was my last transaction and how much was the amount"

Not sure if this can be posted here. I submitted global blue tax refund forms at Paris and requested the refunds to be credited back into my MBB2 MasterCard.

Upon checking my statement today, I noticed my treatspoint have been deducted for the amount of refund I received (RM1- 1pts).

MBB mentioned the transactions have a code of "goods refund", I explained this is not a full refund of products purchased, but tax refund. MBB will file an appeal to management, but no promise at all. I was even advised not to do this again because my treatspoint will be deducted again and I could be suspected of money laundering!

Another funny thing is, I have never used this card at all for any purchase in Paris! It is so unfair to have the points deducted this way.

Anyone else?

This post has been edited by niel: Jan 5 2012, 08:48 PM

Can't assist you but just wanna thank you of posting above. Learned something today from you.

does BNM has new CC guidelines regarding the interest rates charges?

i noticed my citibank statement has new system.

anyone?

Err, what exactly is wrong with this scenario? You buy an item for say RM1000 but you are entitled to RM100 tax refund. You opted to refund to the same card, thus your purchase was in reality only for RM900. Nothing wrong for you to only get points for RM900 purchase.

Or you were expecting a RM100 credit to your account? This was probably not done due to the fees involved.

Paris is most likely because the tax refund company is based there.

Bro, he did not use the card for the purchase.

Maximum CC interest rate is set by BNM. Minimum is up to bank. Typically most cards will just follow whatever is set by ABM.

To be honest, i would expect a full refund to my nominated credit card account without my rewards points being deducted too! Besides, he did not use this card to pay for the purchases. He either paid in cash or used another credit card to pay for his purchases. Anyway, whether he used cash or credit card is irrelevant.


Money laundering ? OMG! Don't our tax department offers the same tax refund method to all the eligible foreigners ? DUH


I totally agree with you. I suggest you to write-in to their customer service recovery department to voice your dissatisfaction over this matter.

i have read da requirement to apply for credit card is 3 months pay slip, bank or epf statement.. but few of my frens said dat u need to work at least 6 months in da same company.. then u can apply for credit card.. i have been working around 6 months now but in 2 different company.. i have works in my current company around 3 months ++ .. so can i apply for credit card?

This post has been edited by nabilfareez: Jan 6 2012, 09:57 AM

Call bank & ask

so lazy to call bank.. need to wait for long time for them to answer da phone.. now at office sumore.. boss dun like staff to use phone during work..

Yes usually u need to be working in the same company for some time so that it makes an impression of ur secured salary. About 6 months to 1 year to be better.

Anyway, if u apply card from the bank that has your savings account then i believe the probability to get approved is much higher

can, as long as ur annual income sufficient enough for the card u want to apply...doesnt need to 3 months payslip so much if u are fixed income earner, ie:u drawing 2500 every month, just give them latest month payslip will do or epf statement, for bank statement is to show the salary crediting when ur payslip is not acceptable, so they will only pend u the doc.

just submit copy of ur NRIC and your payslip along with application form then will do, anything the staff u call u up or they will mail to u and fllw up with any additional docs they need.

i have savings account with da bank + i have bought insurance wit them too.

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Added on January 6, 2012, 10:16 ammy salary is around rm2700+- every month bfore minus epf. is it possible to get approved from da bank?? im 22 years old n still single.

This post has been edited by nabilfareez: Jan 6 2012, 10:16 AM

RM2700/month = more than RM30K per year, you should qualify for a credit card with most banks. The thing is, you must take the initiative and go do some work and fill up the application form (and you will then also be informed on the documents required) instead of relying on your friend who is not processing your application and has no authority to approve or disapprove your application.

okay.. thnks for da info..

Hi wanna ask some question here;


I own the card with credit limit below;

1. Citibank - 9k
2. Hsbc - 5k only

now i apply alliance bank Ikea credit card to buy some furniture and got surprise it give me 17k credit limit

I was so shock with the different lol, wanna ask is this norm for Ikea card to give high limit ? or because i just recently buy a house with Alliance bank loan ?

This post has been edited by hye: Jan 6 2012, 10:27 PM