SO you meant all bill payment website are not entitle for 5% or 2%?
sien liao lor if like that, then cannot be alternative ways for bill payment after amex 5% gone.

i met the requirement, but high commitment caused the application was rejected without any follow up from them.
For Mach CC, it also rejected first time, but the officer follow up and sms me, and asked me submit more docs(fd cert, stock statement, 13 month payslip) to appeal and finally approved on 2nd time.

Maybe alternative ways to get PB VS is pledge 34-35k fd, but got rm170 stamp duty...Maybe I should ask my mom pledge for me as she is loyal PB customer, most of her FDs were with PB for 10-20years++



This post has been edited by red_scorpion: Jun 28 2015, 11:53 PM

So mafan in cimb?
For ocbc cc, I just called to request but they ask me write an official letter and email them only....stated you want reduce to what credit limit with your details, with a signature will do..

guys, just noticed that the cash back for payroll promotion is based on net salary...so please also consider of epf/pcb tax deduction..=X i think monthly salary 13k+ only can get this 588...
is a good promo actually, i am considering this too since my company also allow us to select any banks in malaysia...but this cimb@work account got any benefit? my current citibank@work interbank transfer free, atm withdrawal in any bank atm also free.

This post has been edited by red_scorpion: Sep 13 2015, 02:26 AM

do you have high commitment? high commitment always be the reason..
apply credit card is just a like taking a loan already, commitment/net income cannot be over 75% <-- according to hl bank officer.

i also rejected by CIMB gardens half year ago, they asked me cancel other cards before retry cimb again..then after that I went to Mach branch to apply Mach card, rejected with reason high commitment, but the officer sms me asked for more documentation to appeal. I submitted more docs(share statement, fd statement) and finally it got approved.

I knew my commitment/net income rate is high...80%++, that why my credit card application (within last 2 years) with AEON, PBB, CIMB were rejected. Luckily MBB and HLB still approved me.
MBB approved me directly maybe because I have FD, House Loan and Car Loan with them.
HLB approved after submit more income documents.
AEON, PBB, CIMB <<---- rejected me .. because my commitment is high and didn't have any loan with them. =X

PS: I paid full for all cc, house, car loans all the time. Total Credit Limit just 40% of my annual salary.

This post has been edited by red_scorpion: Nov 29 2015, 03:16 AM