I made a typo to my email address but the transaction still went thru.

Yup, but mine still don't have a PBB online account yet. So have to do manual tracking only
But spending capped at rm840 and rm500-600 would be using payonline, so it is quite easy to track

Online account can be created by yourself. See post #2.

Finally got my application approved after 1 montn with few twist and turn.
initially got call last week said they are offering platinum card instead, which i turn down.
Then get the surprise call today as my VS approved.. without any appeal.

Screwed, spent extra rm20 But still ok, since need to test run to confirm the cash back on groceries

When a card's requirement need rm100k, you need to have at least 30% extra for the past 2 years to be safe on applying it.

i am LOLed looking at this statement..

No need. Everyone can try their luck provided the income >100k

That's why got people every now and then will report they can't get this card, a fact that can't be denied.

But you cannot entirely be sure that they have a good CCRIS record. You will never know that fact. Some are just sympathy post saying that they can't get the card but actually already overloaded with debt (which is something they won't be proud to share).

Banks minimum is minimum and that is what they will follow and will even give exception if you have FD. So that minimum requirement is not always firm and can go lower on their own discretion but won't go higher.

guys...just want to confirm anyone apply tru ringgitplus? is it a trustable website? abit scary to give details to third party site..

I think is not true....i got rejected also....my income is far greater than 100k per annum and also just got newly approve VS card from PBB last few week. So i don think CCRIS is an.issue for.me .....just they reject for no reason recently

This post has been edited by BumHunter: Aug 19 2015, 11:33 PM

They can reject you other grounds but definitely not the minimum income since you already pass. Getting minimum income is not guaranteed approval. Nobody ever said that but they won't reject you on the basis that your income is higher. There will be other factors. CCRIS, human error (after all there is a human in the background giving final approval). CCRIS is not just outstanding loans, it's also your payment record for the last 12 months. Some credit card companies only approve if you have 12 perfect months of payment, some more lenient on that. Some place a higher debt to income ratio when considering approval.

You might have some issue with your financial background that you may not know about since Hong Leong WISE also rejected you. So you can't just blame PBB.

This post has been edited by sleepwalker: Aug 20 2015, 12:09 AM

Opps....i tot i reply in Hong Leong wise thread....that y i said PBB VS just approve me as i tot i reply in HLB wise thread....wrong reply....i just gt approve by PBB VS last few week......but i got rejected by HLB wise!!!! Dono y they reject me.....i never miss any payment record ever....and no bank has chance.to earn a single cent on late payment interest from.me after 5 years of using credit card n bank.loan

This post has been edited by BumHunter: Aug 20 2015, 12:20 AM

Applying new different bank credit cards at the same time will be aanother consideration for bank in approving ur application.

Yes you did and I'm also on the HLB Wise topic too. Any rejection of credit application will be reflected in CCRIS. So you can have a perfect record but if it shows that you have rejected applications, other banks might use that as a reason for their own rejection.

This post has been edited by sleepwalker: Aug 20 2015, 08:49 AM

Well, if were to pledge with FD, that amount will be locked for no reason.
Indeed there's more reason for a bank to reject an application, but if we do it right in the first place, it will be much easier.
Like this time is my very first time using online to apply my card, again I only submit my IC but yet still get it within the standard time frame. After 1 day I submitted the application, they called me to know reason why I never submit other documents, I just tell them with my IC, you can know almost everything.

Can clear any payment also no point if your DSR already high.

Applied on end of last month, called CS this morning and still under process....request to call them back in next week to know about the status? Walaoeh.....almost 1 month if like that.

According to PB Customer Service
• Cashback calculation is based on Statement Month and credited on Statement Date


hi, just got the card and no sure what do you mean Cashback calculation is based on Statement Month and credited on Statement Date...???

is statement month depend on the issue of the card? thk

Actually that is where you are wrong. They have no access to everything just because they have your IC. They won't know your employment status. They won't know your other bank accounts and they won't know if you deposit your salary into PB or other banks. They have access to CCRIS and that's about all they have to check on your background. So if you are working and deposit your salary in another bank, they won't know those details. If you own a business, they won't know how much you are making. That is why they always ask for salary slip and 1 month's bank account statement coz they can't see everything with your IC.

Remember what Rosmah said.. it's a violation of her privacy when somebody leaked details of her bank account out.