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Credit Cards Public Bank Visa Signature v4, 6% Cashback On Grocery, Dining, Online
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smallcrab
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 Sep 19 2016, 08:07 PM
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Getting Started
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QUOTE(laith @ Sep 16 2016, 02:05 PM) I am a Pbb VS holder for 2 years without late payments, but due to my spending behavior i was rejected on Pbb Islamic Platinum CC, 3 times. Besodes that, it might be due to exceed DSR as well. I get the same fate from various banks including Citi, CIMB, Ambank. Strange thing is that AEON & Maybank keep on approve all my CC application. What is DSR ? |
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DarReNz
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Sep 19 2016, 08:55 PM
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QUOTE(smallcrab @ Sep 19 2016, 08:07 PM) debt service ratio |
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kevyeoh
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Sep 19 2016, 09:00 PM
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Hi... can elaborate a bit on what you mean by spending behavior? Thanks! QUOTE(laith @ Sep 16 2016, 02:05 PM) I am a Pbb VS holder for 2 years without late payments, but due to my spending behavior i was rejected on Pbb Islamic Platinum CC, 3 times. Besodes that, it might be due to exceed DSR as well. I get the same fate from various banks including Citi, CIMB, Ambank. Strange thing is that AEON & Maybank keep on approve all my CC application. |
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kremlin
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Sep 20 2016, 10:25 AM
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@ronnie
Old School, Puteri Puchong and Steam Master, Puteri Puchong are under Dining. PBB customer service verified that.
This post has been edited by kremlin: Sep 20 2016, 10:26 AM
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sotsottsl
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Sep 20 2016, 01:00 PM
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New Member
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May I know when is the statement date for the Visa Signature? I just get this card 2 weeks ago
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cybpsych
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Sep 20 2016, 01:08 PM
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QUOTE(sotsottsl @ Sep 20 2016, 01:00 PM) May I know when is the statement date for the Visa Signature? I just get this card 2 weeks ago call CS to find out yours. everyone is assigned differently to a certain date. you can also change it to suit your needs (e.g.pay day) |
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mjchua
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Sep 20 2016, 05:00 PM
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Getting Started
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QUOTE(sotsottsl @ Sep 20 2016, 01:00 PM) May I know when is the statement date for the Visa Signature? I just get this card 2 weeks ago QUOTE(cybpsych @ Sep 20 2016, 01:08 PM) call CS to find out yours. everyone is assigned differently to a certain date. you can also change it to suit your needs (e.g.pay day) check the letter come with the card, the credit limit and statement date written on the letter. |
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mjchua
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Sep 20 2016, 05:02 PM
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Getting Started
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QUOTE(more69 @ Sep 19 2016, 03:42 PM) please share Prudential result as i using autopay. thanks I will share this by end of this month after i receive the e-statement. |
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pvateme
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Sep 20 2016, 06:06 PM
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Wish to get some information from you about cash back on instalment plan with this card for online tx.
1) is the instalment amount entitle for cash back?
2) will all my cash back quota being used on the date i made the purchase, assuming purchase amount is > RM833.33 ? Or, only the monthly instalment amount will be deduct from the monthly cash back quota, which means I will continue enjoy cash back for the full instalment tenure ?
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tonytyk
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Sep 21 2016, 05:03 AM
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QUOTE(mjchua @ Sep 20 2016, 05:02 PM) I will share this by end of this month after i receive the e-statement. Do you pay prudential monthly by online payment manually or auto debit? |
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smallcrab
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Sep 21 2016, 07:40 AM
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Getting Started
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just received my Sharp air purifier for new CC application promo
pleasant surprise, i thought PB will deliver Nov onwards after the end of the promo
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kevyeoh
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Sep 21 2016, 12:13 PM
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Ok... sometimes different banks maybe got different risk appetite on approving credit limits...  QUOTE(laith @ Sep 21 2016, 09:27 AM) I spend more than 1K per month, principal and sub respectively. Plus two 0% Balance Transfer transaction per year. Debt Service Ratio https://www.imoney.my/articles/home-loan-mistakesAccording to my previous records, they realized that my monthly spending on Credit Cards out of sudden exceed 3X of my paycheck, and sometimes up to 5X. However i have never missed out the repayment. CCRIS is clean as well. Perhaps my mortgage loans that kill me from getting new cards. PS: Somehow AEON just approved 2 new credit cards for me days ago. Strange. |
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QuickFire
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Sep 21 2016, 01:27 PM
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Paying via the Uber or Grab app doesn't count as an online transaction? I played around with my workings to get the actual cash back I got, and it seems that Grab and Uber are not counted.
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lilsunflower
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Sep 21 2016, 02:07 PM
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QUOTE(QuickFire @ Sep 21 2016, 01:27 PM) Paying via the Uber or Grab app doesn't count as an online transaction? I played around with my workings to get the actual cash back I got, and it seems that Grab and Uber are not counted. Yes it's been highlighted in previous posts. |
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mjchua
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Sep 21 2016, 02:27 PM
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Getting Started
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QUOTE(tonytyk @ Sep 21 2016, 05:03 AM) Do you pay prudential monthly by online payment manually or auto debit? previous is auto debit, start from this month I use online payment. |
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kremlin
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Sep 21 2016, 03:39 PM
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QUOTE(mjchua @ Sep 21 2016, 02:27 PM) previous is auto debit, start from this month I use online payment. Where is the link to pay online payment? Please share  |
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cybpsych
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Sep 21 2016, 03:51 PM
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QUOTE(mjchua @ Sep 7 2016, 11:05 AM) Yes Prudential online they called it PruAccessPlus I changed from auto debit to cash and try the online payment. QUOTE(kremlin @ Sep 21 2016, 03:39 PM) Where is the link to pay online payment? Please share search? |
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dnwt
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Sep 21 2016, 04:03 PM
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Getting Started
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Need advice.
Tried looking around but couldn't find 100% answer. Will paying for car insurance to motortakaful entitle for the 6% cash back?
Thanks in advance.
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cybpsych
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Sep 21 2016, 04:05 PM
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QUOTE(dnwt @ Sep 21 2016, 04:03 PM) Need advice. Tried looking around but couldn't find 100% answer. Will paying for car insurance to motortakaful entitle for the 6% cash back? Thanks in advance. post 1? |
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kremlin
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Sep 21 2016, 04:10 PM
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QUOTE(cybpsych @ Sep 21 2016, 03:51 PM) Did follow this topic for sometime, could not find info .. that's why i asked. |
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