Public Bank when dealing with fraud case are the worst. They won't talk politely.

The fact is, the banks will approve any application based on CTOS, CRISS. So an IC(for employee) will be more than enough.

You can choose not to jump company. Sometimes money is not everything.
20 years ago people also don't have medical card, but why they have lesser sickness?
Is our current lifestyle that makes us sick.

With PIN verification, banks can't make money from us already. Most of the fraud case they are claiming rm250 from us(as stated by regulation) and claim full amount from insurance companies.
Our country's CC are advanced type with the chip inside, if banks really wants to improve security and reducing fraud case, they can always put our IC basic info to it then upgrade the CC machine with finger print reading

Sure will happen? This can reduce bank's profit margin on CC by a lot(talking in terms rm billions a year) from the fraud cases.
And after reading that PS, I should be getting SMS alerts, but only once when I do transaction on new merchants. When I do for second time on the same merchant, I won't get SMS. This means that bank will ignore BNM's guideline as far as possible. Have to understand guideline(no need to follow as long as favor to provider), regulation and law first.

When I had fraud case, BNM was the first place I complaint. But turn out to nothing happen. I still need to pay >rm250. But that bank lost rm100000 profit because of this act as I settle my housing loan within 7 years against planned 20 years.

You submit the request, right? As I never submit the request.
This is banks shall do it automatically, but again as this is just a guideline, bank can no need to follow, bank can treat this as BNM's TCSS.

Just go to the branch you take the loan, ask that officer to apply for you.
Usually they can approve the card for you.
Still remember 8-9 years ago when I take their housing loan, I only entitled for Classic card but they applied gold card for me and I do got it. Just that the credit limit are quite low, rm7000 only. If you spend more, pay on time and always touch >70% of the credit limit, they will increase your credit limit also.

Tan Sri Teh are not stupid

Well, I'm pretty sure they will play grey areas just like WISE
That's why he is the only Chinese that owned a bank with total asset close to Maybank and CIMB, is not because he got lots of business, is he is clever on playing such dirty tricks.

When a bank are set to play with grey areas, are you sure they don't know about all the MCC codes?
If they don't know, just type MCC codes in Uncle Google already can come out the whole list
http://web.archive.org/web/20070710202209/...mcc_booklet.pdf
CS's officers are trained to make sure card holders are mong ca ca
They will only reveal when they know that person who called do know his/hers rights.
So far I've dealt with Public bank, Maybank, HSBC(quite LC but will tell the truth), OCBC and HLB.
Public Bank has the best service when come in fraud case, they'll make sure you pay more than rm250
8 years ago already like this, thought after 8 years they are still doing the same, to stand high against other banks, some strategies(oops, I mean dirty) are needed

For rm30k fraud case, you will know the impact.
Most of the time the new credit card will use your last credit card as reference. Like mine only rm12000 for MBB's dual card. Just swipe 1 business flight ticket also close to limit already.

For me, 1 month payslip means nothing.
You can always submit your latest EA/EPF/BE to support your income. But out of these 3 documents, EPF still the strongest as it is updated every month.

Is rm100k right? If yes you can give a try. Having "good" relationship with bank will be a point to get a card approved. Like my old Public Bank gold card were given to me FOC when I took a housing loan 8 years back. The combine CL only rm5000
Recommendation from the bank officer will be 1 of the point to get a card approved(at least MBB yes). That's why now I don't look for small potatoes agent when applying a card, I always look for senior officer.
Do you have other cards as well? As I see this card are good as 3rd card.

This post has been edited by supersound: Sep 5 2014, 12:46 PM

Nope, Public Bank sure need Public Bank's officer.

My dual cards I collect direct from their branch. They even let me to go in and take the cards after 4:30pm.
But Public Bank after door closes at 4pm, the guard will say all the staff leave already

Not to mention HLB and HSBC, cash back must follow the preset MCC, else get nothing, just like the STUPID

Actually Starbucks are more on normal kopitiam coffee add chemicals only. I'm able to reproduce the same taste with rm2.50, rm1.60 of kopi-o add caramel which having same taste of their rm15's latte caramel.
So rm2.50 over shout by 6 times, give 50% discount they are still making.

But some would use the cheapskate method and rebrand it to sell expensive. Starbucks is a good example.

Just get the normal will do if you are not willing to pay the AF.