Terms and Conditions

Opps. I had a wrong impression that the total credit limit affects the credit card application success rate.

I have a bad feeling that my PB VS will be rejected because I am holding too many bank cards, Maybank 2 card platinum, CIMB WMC, Hong Leong Bank VI (and Mach by HLB VS) and ambank WMC (newly approved).

PB may consider I am a high risk applicant for having high credit limit with not so high income :-(

This post has been edited by Parasite85: Jul 16 2015, 05:58 PM

as long as u fit their requirement (what was it again? 250k? 200k? forgot) it should be fine

any groceries offer hotlink or digi topup with cc payment?

i used to be able to do so at giant and tesco. Duno now still can or not.

When I applied for it two months ago. I had five other CC from Maybank, CIMB, Public Bank and Citibank. And I had several outstanding BT amounting RM400++ a month with Public Bank. One car loan with Maybank and one 500k housing loan with UOB. But Public Bank still approve my VS. I think it might also due to your debt service ratio.

This post has been edited by Mr Gray: Jul 16 2015, 07:11 PM

tesco and aeon big.

if I plan to buy rm10x3 means need to swipe 3 times?

What's your total limit for all cards? Mine was 59k while annual income barely exceeds the requirement.

Why not do it online?

yes, they say need to swipe separately

how?

Another reason which I can think of why they reject my application is I rejected their car loan after it was approved in last year.. i didn't have any loan, fd in pb bank. Only a saving acct with less than 50 dollar always..

I believe that if you hold alot of their product, chance to get approval is higher.
This happen to me for mbb cc, even though other bank reject me due to high commitment, but mbb still approve additional new cc to me because I have car loan house loan and fd with them..
HL rejected first time, but after submitted HLebroking statement, they approved as well...

This post has been edited by red_scorpion: Jul 16 2015, 08:33 PM

For digi. Just register at their side. Then u can reload online Liao. About the same with maxis.

I always reload digi for my mum.

Finally got my card after 6 weeks
My case: income clear pass, no debts, no loans, no credit cards, >rm100k in pb fd acc
Thus expected a straightforward and hassle-free application where I can obtain my card soonest, and I was sooo wrong lol

28/05 submit application via pb branch (I applied online the day before, but had problem uploading the scanned docs, so decided to do it in person just to avoid any delays in processing) , according to cs it will take 3 weeks
After that I checked application status thru IVR every other day - same answer: not in record
Just to make sure, I get back to pb branch again, and they said status still processing so nothing can be done atm.
Until 20/06 received SMS stating application approved, and finally status updated in IVR as well.
Then impatiently waited for my card (I opted for postage, but cs insisted send card to branch will be better, so fine I gave in)
07/07 received SMS stating delivery to home address fail (??? ) Im 100% sure I ticked the option send card to branch, and i definitely did not get any fail delivery notice in my mailbox, cs said they used registered postage, so in my mind that can't happen.
so called hotline and ask them to mail card to branch, which they said will be done same afternoon
10/07 called pb branch in the morning to find out if my card has reached them, they say will check and call me back
Received call at 4.50pm, claimed card just arrived, asked me to collect coming Monday
13/07 so finally... End of story lol

I'm from east malaysia btway, so I guess for new applicants it gonna take an average of 3-4 weeks, if not for the delay in my case.
So good luck to those applying, and patience patience patience

This post has been edited by wing2010: Jul 16 2015, 10:35 PM

i thought of apply for the PB VS card since amex no longer give the weekend rebate.

If let say my monthly income is consistently ~10K including OT and allowance, any chance i get approved?
(my basic salary alone won't be able to achieve the requirement of 100k gross annual salary)

Should i apply online or go to the branch? which one faster

This post has been edited by ivzh: Jul 16 2015, 09:06 PM

Nope, can't be done.
I asked if my family can collect for me, but they said need ic and thumbprint verification.
Family can only collect their respective supp cards..
Hope that helps

Hi.. May I know which gift you chose? Free luggage bag or top up rm68 for the hp / pressure cooker?

My Agoda booking is under pay later option so no 100% confirmation but I was personally assured that agoda will receive the cashback.

no need. rm10 x 3pcs can be paid together with one swipe.