Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Public Bank Visa Signature - 6% Cashback, On Grocery, Dining, Online Transactions
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 Nov 26 2014, 11:14 AM
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#21
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Senior Member
11,554 posts Joined: Aug 2009 
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QUOTE(kinabalu @ Nov 26 2014, 09:22 AM) becoz my spending is not as high as supersound, unless i start selling milo to kopitiam then i will apply. Bugger you, don't simply tag me in. Yup, if your spending can't go beyond rm1000 average, just stick with MMB's dual card. Once you can go beyond, then only consider other cards.currently even with the MBB2 amex, i also have problem to max out RM1k.  |
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Dec 13 2014, 07:47 AM
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#22
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Shinichi @ Dec 13 2014, 12:14 AM) Thanks bro. Other than FD's amount, your income and supported documents important also. Hmm okay guess I will prepare 36K in my account first before i go to the branch... |
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Dec 16 2014, 07:16 AM
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#23
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Shinichi @ Dec 15 2014, 11:27 PM) Thanks bro. Does that mean even if I apply the card by pledging FD, I still have to show them my income documents? Sure, but I hope you just use your normal documents to apply rather than using FD. |
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Dec 17 2014, 07:13 AM
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#24
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Shinichi @ Dec 17 2014, 12:50 AM) Thanks. The income requirement to apply for this card is out of my reach now... so can only apply by pledging FD. There's other cards out there  |
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Dec 18 2014, 08:12 AM
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#25
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Shinichi @ Dec 18 2014, 12:16 AM) Well I believe this is the only card that gives cashback without any spending condition, and I am planning to use this as my primary card, while keeping M2 Amex as backup for weekend spendings. Public Bank are offering 1 of the lousiest FD rate, so they are making from there. No petrol cash back also Anyway I called PB today and they told me income documents are not required if we apply for this card by pledging FD.  |
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Dec 19 2014, 03:29 PM
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#26
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Shinichi @ Dec 19 2014, 03:03 PM) Thanks all. Went to the bank earlier and they told me need to pay administrative charges and handling fees around rm300++ just to pledge FD for card application. I was caught by surprise as I'm not aware of such charges. Guess I'm out of luck with getting this card. For me, getting a card is just to replace my cash in my wallet. Is there any other card that gives cash back for dining and online payment with no strings attached? I don't need cash back for petrol. And if they want to put more T&C which in favor to them only, sorry, I won't take such card. |
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Jan 19 2015, 05:14 PM
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#27
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(ah_chung @ Jan 19 2015, 04:17 PM) is it possible to get it if min. annual income is less than RM100K? You need to pledge with FD, but not that advisable.If applying online, how fast is the processing? You may able to successfully apply it even income lower than rm100k if you have a housing loan attached to them(10 years back I got my gold card with this method), which I don't know they still willing to give or not. |
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Feb 1 2015, 01:36 PM
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#28
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Dannyl @ Feb 1 2015, 09:52 AM) My credit limit is around 5 times my salary. How about you guys? Just curious. 5 times of monthly or annual? Mine only 7% from my annual income  |
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Feb 1 2015, 02:15 PM
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#29
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(Dannyl @ Feb 1 2015, 02:04 PM) No lah, less than that. So your CL is rm40000 at least?I wonder how they calculate. Higher is riskier but good for BT purposes. Monthly of course. Annual requirement is 100k, 5 times annual salary = 500k CL?  |
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Apr 6 2015, 06:35 PM
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#30
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(crusher @ Apr 6 2015, 02:45 PM) Why do you guys still want to apply for this card? It seems like a bad cc to me If you maxed out the cash back available from your first/second card, this can be your third card.Service are quite bad basically. |
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