Hi Guys, I would like to share about my experience of applying Public Bank Visa Signature card through RinggitPlus (2 in 1 luggage bag) using Pledge FD method.

1) You need to go to Public Bank to put your FD of RM34k
2) Stamp duty cost is NOT 0.5% of the amount of your FD, but only RM25 (I tried Public Bank OUG branch. They mention that as long as the FD and Credit Card both is under your name, then the stamp duty cost is just RM25)....

Also, you can choose to put the FD for 1,2,3,4,5,6 month (or whatever month/year provided by public bank package) for the different interest rates... But it will be auto-renewal and cannot take out. If you would like to take out your FD, you need to cancel your credit card 1 month in advance (information from the branch).

3) Submit my "Ringgitplus" form hardcopy to that branch.
4) Wait for around 1 month (very long time... they said due to the stamping process takes very long time...  Keep follow up to push them...)
5) finally got the credit card after 1 month++.... can use like normal, also can use for Balance Transfer (tried) as long as still have credit...

6) After around 1 weeks after my first swipe, still do not receive SMS or Ringgitplus email... Call to Public bank customer service again to push for ringgitplus code...
7) Finally after around 1 month after first swipe, got email from RinggitPlus for the unique code and get the 2-in-1 trolley luggage bags by collect from their branch directly (Ringgitplus customer service said they have stock)....

Hope this post would helps those people who are interested in FD pledge method to apply for this card...