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> [New!] Public Bank Quantum Credit Card, 5% Cashback, RM36k annual income, no AF

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eternity4av
post Apr 5 2017, 11:41 AM

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should i re-apply again since the branch never submitted my docs?
eternity4av
post May 3 2017, 09:24 PM

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Can somebody share the tricks to get the card approved from public bank?
eternity4av
post May 3 2017, 09:52 PM

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QUOTE(BeastX @ May 3 2017, 09:46 PM)
The standard good CTOS score... with low financial commitments.... and a modest monthly earnings.

Quick trick: a HUGE deposit in PB.
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What about CCRIS? Checked there so far not too bad but don't know why got disapproved. Was wondering what is the ratio to determine financial commitments as well as modest monthly earnings?
eternity4av
post May 4 2017, 07:37 AM

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QUOTE(debonairs91 @ May 3 2017, 09:53 PM)
poorfag no need la get cc...spend what you can afford ty
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What is your problem? Does card rejection means I'm poorfag? What kind of shallow mind it is ? Mind you, I have multiple credit card from 5 different banks, with Debt ratio less than 20%. So what is the issue now? I'm just trying to understand what is the trigger of the rejection. Even BNM said there's no issues. If you want to make a comments, please feel free but make sure it's a constructive ones rather than a childish reply of concluding just based by assumption. Geez, generation these days .
eternity4av
post May 4 2017, 07:57 AM

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QUOTE(debonairs91 @ May 4 2017, 07:50 AM)
Obviously the bank think u cant afford aka poorfag duhhh
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Obviously you don't really know how credit card application works duh, maybank Islamic used to rejected as well but upon some clarification I managed to get the card, so using poorfag this term is Vague and invalid. Unless you can prove it to me with facts and figures. This is just s basic card and not even Visa Signature. So it's targeted to your so called poorfags initially. Lol.

This post has been edited by eternity4av: May 4 2017, 07:58 AM
eternity4av
post May 5 2017, 07:20 AM

♥ ♥ ♥ taeyeon
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QUOTE(thpace @ May 4 2017, 05:39 PM)
So got 5 credit card

why so many bank credit card? Transfer debt between each card kah?
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When Maybank revoked their 5% Cashback just applied cards to compensates their benefit, for e.g Dining, Retail Spends, Petrols, Online, Bill Payments, Air Tickets, etc. I don't have outstanding balances. I just want to maximize the benefits of cost saving, as different merchants offers different benefits. Just so with this card, got its own perks as well and I can cancel others when I have this.
eternity4av
post Jun 4 2017, 09:30 AM

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QUOTE(debonairs91 @ Jun 3 2017, 09:22 PM)
still butthurt until need to report again? i guess your cc application rejected once more right? here's a tip: stop being a poorfag lulz
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Today is Jun 3rd, why are you so living in the past? lol, matter of fact, I did get the card tongue.gif lels

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