I also blur ..hehe
for I agoda, there are 2 types of booking AFAIK - 1)the cheaper one where ur payment is processed right away and 2) the more expensive one where the payment will only be processed up to certain period. (Free cancellation)

today i go PBB to ask about this, and the CS said the FD pledged have to be normal FD, minimum RM 35k, on 1 month basis (3.15% only),promotion FD (like the 3.98-4.28% FD promo, effective rate is 4.05%) are not eligible.

4.05% - 3.15% = 0.9%, 0.9% x RM 35000 = RM 315, you havent earn anything u already loss RM 315

and if u want to take ur FD out, u need to cancel your card first.  So your FD is practically lock dead in PBB.

those FD that we pledge, at the end of day if we cancel our card.
Do we get the principle amount only or are there any interest that we accumulate over the years?

Victory gor, do you mind to share what will you do with the free money from BT? 

At your age, still have the baby look. Must be well taken care of.  FD is good too. Safe and sound.
I am thinking to use the amount on the more aggressive UT. 

Just to confirm how much stamp duty charge for RM30k Pledge FD?

I have 1 floating overseas transaction for 9 days. I need it to be posted for the 5x PPL access 

i think so. so hope it is posted before my statement date else have to pay first.

Up till yesterday, the amount is still floating and shown as authorized charge but today it disappears and the available credit limit also does not take it into account. Not under unbilled transaction too. Already 10 days so meaning the merchant does not want to claim it?

The PPL fee is RM128, the floating amount is around RM128 too but will be 121 with 6% discount for dining. Hmm, pay the PPL fee or show receipt as proof. Kicking myself for not swiping a 6th transaction 

Thanks bro. Does that mean even if I apply the card by pledging FD, I still have to show them my income documents?

The charges pay before or after application? And is it only applicable for pledging PBB Visa Signature card or all other cards as well?

I am a bit curious, because I already pledge FD for card application, but bank never told me about administrative charges/handling fees.
I was charged for RM15 (if I remember correctly) when pledging the FD.

Hmm, if there really has the charges, then I better cancel my application before I got charged by bank. 

I have no FD pledging experience but bank withholding the original receipt..that is suspicious. Maybe others can share their exp.

ah okay...but so scary 

Must be too many people take up this card.

Got my CC application approved yesterday (FD pledging).

The credit limit given to me is 90% of the FD amount I pledged (in my case, is a gold card, not VS card).

PBB website/pdf brochure still stating 1:1 ratio on FD pledging which is very misleading information.

I paid Rm15 during application for stamp duty.
No further charges so far.

Yes, is more than 3K if you refer to credit limit.
I originally thought the amount pledged can get platinum (which I was told by the PBB CS that is possible), but anyway, at least got the card now. 

Eligible for Cash Back

1. [Grocery] The Co-operative - Union Street, Aberdeen, Scotland
2. Starbucks - Oxford Street, London, England
3. Starbucks - Union Street, Aberdeen, Scotland
4. McD - Harmondsworth, West Drayton , England
4. Dragon-I - One Utama

My credit limit is around 5 times my salary.  How about you guys?  Just curious.

So your CL is rm40000 at least?