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Credit Cards Public Bank Visa Signature - 6% Cashback, On Grocery, Dining, Online Transactions
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Wongchoy
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 May 9 2014, 02:32 PM
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QUOTE(herc @ May 9 2014, 12:26 PM) Can pledge FD. Refer to the last note: For Public Bank Fixed Deposit (FD) customers who opt to apply PB Credit Card secured by FD, the credit line assigned will be based on the FD pledged amount at a ratio of 1:1. To apply, please personally submit your application at your FD account holding branch and bring along your FD certificate for verification and photostat copy of your NRIC (both sides). Source: http://www.pbebank.com/en/en_content/image...gnature_new.pdfMin. Pledge RM 30k . I'm rather surprised PBB came out with this card.  |
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Wongchoy
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May 9 2014, 03:12 PM
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QUOTE(tifosi @ May 9 2014, 02:55 PM) Where did you get the amount 30K? I wonder if I can pledge less and furnish them with my less than 9K per month salary slip. My younger bro was so interested he made a call to CS to enquire about this card. Was told that the min. CL was RM30k. |
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Wongchoy
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May 9 2014, 03:35 PM
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QUOTE(Gen-X @ May 9 2014, 01:44 PM) Card looks like a Classic Card!! But 6% very good  And why the Wave feature??? Those holding this card better have a RFID blocking wallet for it. Any chance of getting the card phished away by RFID reader ? Then the risk is certain higher, given that this card is a premium product. |
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Wongchoy
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May 9 2014, 10:00 PM
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PBB VS 6% CB Dining Grocery & Online versus HLB Wise 10% CB Dining Grocery & Mobile. How would you all rate both cards ?
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Wongchoy
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May 9 2014, 10:49 PM
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QUOTE(neverland @ May 9 2014, 10:34 PM) Hello all, is it if I can pledge with 30k fd then it will not care about my salary already? To be honest, BNM mandates that all application must submit their income documents. But PBB made no mention of it. They just say bring the FD cert and IC to the holding branch for processing ! |
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Wongchoy
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May 10 2014, 02:08 PM
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QUOTE(Gen-X @ May 10 2014, 11:33 AM) In developed countries, nowadays people don't even have cheque book or cash in their wallet as most use Debit Cards. The Wave Feature is handy but like I said, better get RDIF blocking wallet. As for McD, no need go very far, McD SG accept CC/DC. However, I would suggest you get a PIN number if you really want to use your CC overseas for small purchases or at Self service counters. My smallest ever trnx on my CC was a S$1.40 for a cup of soya bean at Mr. Bean. S$7 is all it takes to visit PPL. Good try  |
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Wongchoy
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May 10 2014, 03:51 PM
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QUOTE(nothingz @ May 10 2014, 02:14 PM) SG McD accepts Nets Flashpay (a SG payment network) not Visa/Mastercard credit card as i know Yes u r right . Burgerking on the other hand accept CC and paywave. |
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Wongchoy
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May 10 2014, 09:47 PM
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QUOTE(victorywp @ May 10 2014, 06:15 PM) not sure if they accept autopass... Autopass is pretty much useless except for toll and parking. |
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Wongchoy
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May 10 2014, 11:06 PM
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QUOTE(victorywp @ May 10 2014, 10:10 PM) if not mistaken some grocery shops accept it for payment. but i never try before, only for toll and parking so far. In fact all NETS merchant could accept it. The function is the same as NETS Cashcard. |
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Wongchoy
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May 12 2014, 04:24 PM
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QUOTE(Gen-X @ May 12 2014, 04:16 PM) Bro, years ago, even 20 years ago, all Malaysian credit cards are issued with a PIN number. But most are like me, just tear it up or keep in drawer. YES, Malaysian issued credit card still comes with PIN (if you request for it) because you need it to withdraw cash from ATMs (not that I am saying we should). For Australia, in August this year, all credit card in person transactions need to be verified with PIN. And if I not mistaken, zenquix mentioned before that Malaysia is heading that way very soon (I can't remember the month). 'Chips and pin' will be coming to Msia on 01 Jan 2015 http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=2226 |
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Wongchoy
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May 12 2014, 08:31 PM
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UK surely can use... But once in a while somebody won't honour trnx without pin. Just like someone using a legal non EMV card in Malaysia !
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Wongchoy
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May 12 2014, 10:46 PM
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QUOTE(Gen-X @ May 12 2014, 09:42 PM) Thanks guys for the info. My hotel all paid for with Agoda. Using CC mainly for wifey's shopping (she wants a new Dior and Chanel HB) and maybe some dining. Called Alliance, they only generate PIN on Tuesday and tomorrow holiday. UOB said need 10 to 14 days for PIN to reach me. Maybank can get immediately at branch where we can set our own PIN number at the ATM. Wongchoy and you guys, PM me where to get nice food or not to miss diing experience near Piccadily Sq in London. New HB and dining... Where else but Harrod's  |
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Wongchoy
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May 20 2014, 11:42 AM
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QUOTE(herc @ May 20 2014, 10:01 AM) - Email application on 9 May 2014 "Your application is being process..." So the rumors saying any of ronnie's card can swipe a Volkswagen is true! Buy a volksvagen by CC and get 36 months 0%EPP. Thats the deal of the day |
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Wongchoy
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May 23 2014, 08:33 PM
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QUOTE(hebe87 @ May 23 2014, 12:09 PM) My annual income is less than 100k, but I have home loan with PBB. Does it increase my chance to get this card? You may try if your net income (gaji bersih) is >RM72k and you have maintain >RM 20k in deposit for the past 1 year in PB in addition to your home loan repayment is 100% on time. But still the best way to increase your chance is to pledge a FD of 30k . |
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Wongchoy
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Jun 2 2014, 10:07 PM
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Argh! My application is not successful. Quite dissapoited though  |
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Wongchoy
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Jun 8 2014, 01:21 PM
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QUOTE(leo_kiatez @ Jun 8 2014, 10:08 AM) Anyone success in use pledging to apply for PB Visa Signature; How much pledging FD amount is need to apply for this card? Online utility bills payment also entitled for 6% cash rebate? Do advice...Thanks.  I'm now considering whether to pledge FD since my initial application is not successful. 30k should be OK. Sorry... Utility no CB .Only grocery and dining. This post has been edited by Wongchoy: Jun 8 2014, 01:23 PM |
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Wongchoy
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Jun 8 2014, 05:21 PM
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QUOTE(leo_kiatez @ Jun 8 2014, 03:01 PM) So for pledge FD, after 1 year I am able to withdraw the FD money; with the PB Visa Signature credit card still active to use? If your income is >100k then you are free to unpledge after 1 year |
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Wongchoy
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Jun 8 2014, 07:19 PM
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[quote=GOLILA,Jun 8 2014, 07:10 PM] Confirm more tab 100K income will free 2 unpledge. Nt 180K? 180k can apply visa infinite already  VS only 100k |
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Wongchoy
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Jun 16 2014, 12:56 PM
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QUOTE(cdspins @ Jun 13 2014, 03:29 PM) Just receive a call, application for visa signature not successful, instead counter offer with visa platinum... ai, that card is useless, turn down their offer. My earning bracket not enough... hmmm they deduce epf and tax to match the earning criteria? I'm same as you, got rejected. Today i went to appeal against the rejection as well as to pledge FD. The officer couldn't believe i got rejected. Then he ask his manager what to do. I offer to pledge my long time FD cert as pledge (30k) so he refer to card ctr. The officer then say "Ok i submit your FD for appeal and the manager will recommend you. 10 mins later the manager received fax from card ctr . Its my appeal follow up. Then the manager says that " Ok you come and collect your card next week. I will return your FD in 6 months! Thats what i like about PB. Highly efficient |
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Wongchoy
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Jun 16 2014, 05:22 PM
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QUOTE(cdspins @ Jun 16 2014, 02:49 PM) Wah Good for you. my FD is with another bank.... haih... need to wait for mature... then only can shift... Apparently the officer call me again to get back my FD . I don't need to pledge. They approve me based on the recommendation of the manager. They reject me initiaĺly due to CTOS listing by P1.com ! |
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