I do have a PB cc too. And as far as my understanding from the T&C, you should be able to call PB and do that flexi-pay. Why don't give them a call, and ask them to do it. See if it would go through.

Well I don't think he has to wait before applying again. I think for first-timer application, it would always be hard. I faced the same thing before, only about 2 years back.

I went to Citibank, rejected because there was no home phone number on my application form. (silly reason right?)
I applied OCBC 4 times I think, also rejected. No reason was given.
Then I went to CIMB, to apply simple classic card. Also rejected. Mind you my salary was credited into CIMB!

And my salary was about RM45k per year that time. I don't even understand why all three banks rejected me.

In the end, I was so frustrated, I went to Bank Islam and applied a card there. I thought to myself since its card was not that popular, so perhaps it would be easier to get it.

And yup, I got it. Few months after that I applied for more cards. Absolutely no problem at all. Now I have Maybank 2 Card, Public Bank Visa Gold Card, Standard Chartered World Miles Card and Bank Islam Gold card.

So yeah, my advice would be just be patient, and apply for an easy-to-get card first. Build your credit history for a few months, and then start applying for other cards.

This post has been edited by Mr Gray: Mar 5 2014, 12:18 AM

mruncit. I always use that site to topup my umobile.

Since there's no more RM50 service tax. Anybody has done comparison on which cards with no AF that we should have? I'm looking at all banks now.