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Credit Cards Public Bank Visa Signature v3, 6% Cashback On Grocery, Dining, Online

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SUSintrepidity85
post Jan 16 2016, 09:56 PM

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this time i fill in application form online, print it out sign .. and attach with income documents send via email..

how long will usually take for public bank to approval?
SUSintrepidity85
post Jan 16 2016, 10:57 PM

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QUOTE(saitong09 @ Jan 16 2016, 10:36 PM)
hopefully will get for approval this time.. cancel few cards maybe they will give this time..

too much cards last time unsure.gif
SUSintrepidity85
post Jan 17 2016, 08:43 AM

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QUOTE(supersound @ Jan 16 2016, 11:20 PM)
Total time should be 3 weeks.
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the fastest i got is rhb so far.. conventional and islamic approved within 3 working days..

okay.. 3 weeks should be ok smile.gif
SUSintrepidity85
post Jan 17 2016, 08:43 AM

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QUOTE(saitong09 @ Jan 16 2016, 11:07 PM)
intrepidity85 kaka23
Good luck smile.gif
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thanks.. sometime need the 'luck' also smile.gif
SUSintrepidity85
post Jan 17 2016, 08:59 AM

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QUOTE(supersound @ Jan 17 2016, 08:57 AM)
I never interested on luggage bags, I got pressure cooker when I applied for it.
3 weeks will be the maximum time for the whole process, from apply till you get the card. If later than that, better call them and ask, as sometimes the card is being hijacked. Each year sure have such case happening.
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definitely.. afraid might get hijacked.. if the rejection.. sure the process wont took long.. usually few days

if approval the process will be around 1-2 weeks thats my experience
SUSintrepidity85
post Jan 17 2016, 02:25 PM

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QUOTE(hurtedheart @ Jan 17 2016, 02:09 PM)
My experience: Applied 4/1, processed 6/1, approved 13/1, got card 14/1. Very effective delivery
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good to hear. generous with credit limit?

plan apply for 0% bt
SUSintrepidity85
post Jan 17 2016, 02:37 PM

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QUOTE(hurtedheart @ Jan 17 2016, 02:35 PM)
18k (Platinum not signature), I hv maxed out the 80% credit limit for 0% balance transfer for 12 months, approved in 1 day after application haha
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wa.. looks like they're good with u hehe..

hopefully next week will know my result..
SUSintrepidity85
post Jan 17 2016, 03:17 PM

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QUOTE(hurtedheart @ Jan 17 2016, 02:42 PM)
You can alwAys call 03-2176 8000 to check your application status, follow the instructions & key in your ic no# and check the status. Good luck
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thanks so much..i don't know can check in this way via IVR

EDIT: just checked and it's being processed. hopefully got approval smile.gif

This post has been edited by intrepidity85: Jan 17 2016, 03:18 PM
SUSintrepidity85
post Jan 18 2016, 11:00 AM

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QUOTE(venmax @ Jan 18 2016, 09:33 AM)
The 6 months 0% BT changed to minimum RM6000...
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wa.. increase so much ..
SUSintrepidity85
post Jan 19 2016, 09:34 PM

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lol decline by this bank
SUSintrepidity85
post Jan 19 2016, 09:39 PM

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QUOTE(supersound @ Jan 19 2016, 09:38 PM)
Income not enough?
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DSR only 30+% . CCRIS CTOS all clean. never miss any payment these few years

they mentioned too many cards i've got in hand with high limit.. ask me to cancel few then reapply

dont know how true is that?
SUSintrepidity85
post Jan 19 2016, 09:44 PM

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QUOTE(janson_kaniaz @ Jan 19 2016, 09:41 PM)
if they tell u that means it's likely true. some banks don't even bother telling u the reason.
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customer service check system and got this kind of reason.. but last year they did not give me any reasons for rejection

but i would rather keep good cards .. nvm next year re-try again perhaps
SUSintrepidity85
post Jan 19 2016, 10:39 PM

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QUOTE(saitong09 @ Jan 19 2016, 10:37 PM)
Not really, should depend on your financial history and commitment. Someone holding more than 10 CC
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what is the total limit combine set by bank negara?

mine total up all cards from all banks around 690k+

i didnt utilize em.. maybe just 5-9% for the outstanding.. every month make full payment.. weird lah... consider as high risk customer?
SUSintrepidity85
post Jan 19 2016, 10:46 PM

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QUOTE(saitong09 @ Jan 19 2016, 10:45 PM)
Maybe you can write to appeal, cc to bnmtelelink@bnm.gov.my smile.gif
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i will see what i can do.. haihz this is the second time they declined me ... but better with provide reasons
SUSintrepidity85
post Jan 19 2016, 10:57 PM

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QUOTE(saitong09 @ Jan 19 2016, 10:49 PM)
had you cc to bnmtelelink@bnm.gov.my before?
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never as i only request a copy of CCRIS report from them every 3 months.. sad.gif


SUSintrepidity85
post Jan 19 2016, 11:09 PM

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QUOTE(saitong09 @ Jan 19 2016, 11:08 PM)
So this round cc to bnmtelelink@bnm.gov.my, it might help
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okay i will do it on tomorrow morning.. i doubt the bank will even care for this sad.gif
SUSintrepidity85
post Jan 19 2016, 11:42 PM

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QUOTE(cfa28 @ Jan 19 2016, 11:29 PM)
Its very challenging to complain to BNM if your loan or card application is rejected.

BNM will only step in if you are an existing customer with no default but suddenly your facilities was cancelled without good reason.

Else if Banks force to approve facilities and NPLS go up,  Banks will ask BNM for compensation.

Just my opinion,  u can try to complain
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thanks for the detail explanation
SUSintrepidity85
post Jan 20 2016, 09:27 PM

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QUOTE(hurtedheart @ Jan 20 2016, 08:25 PM)
Can Request CCRIS report through email @ without visiting BNM personally?
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can.
SUSintrepidity85
post Jan 20 2016, 09:30 PM

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QUOTE(hurtedheart @ Jan 20 2016, 09:29 PM)
Mind tO share what are thE info required? How do they verify you?
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go to bnm website lo.. fill up the form + 2 supporting documents like bank statements astro bills credit cards statement and send to bnm email.

CTOS also can self check with RM10 charges

RAM , credit bureau, credit scoring all can be checked

mine clear and clean.. scoring also almost perfect but denied but this crazy public bank

This post has been edited by intrepidity85: Jan 20 2016, 09:31 PM
SUSintrepidity85
post Jan 20 2016, 09:41 PM

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QUOTE(hurtedheart @ Jan 20 2016, 09:38 PM)
Thx a lot. Will try out
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based on what i see.. banks now are reluctant to borrow... maybe they have low funds to weather incoming bad / worst economy ... no idea.. thats just my guess

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