Earlier my PTPTN has affected my CCRIS, though now normalised already but PBB is pretty strict with this.
If don't fulfill income requirement, will be rejected as well or offer you lower tier card.

It's because PTPTN was not in CCRIS earlier until last year's March.

Well, this is my second rejection from PBB even before PTPTN went into CCRIS.
Other banks approved me with no problem.

Anyway, I wrote back and asked what further supporting they need from me.

This part I admit.
Anyway, I already expected PBB to reject me. Just wanna test water only.
Luckily I have other cards to cover.

My card is being forwarded to the relevant department for review again. I don't think I will make it through but still hoping for miracles.

Checked via IVR and confirmed via email as well because I checked with CS using email.

There's minimum amount. Some outlets only accept CC for RM 50 and above and some RM 30.

Congrats! While I still have no news for my appealed Quantum, oh well...
No Quantum means cannot apply VS already for now.

"We regret to inform that your appeal request for credit card application was unsuccessful.

The notification letter dated 8 May 2017 had been sent to your mailing address."

Just received this in my inbox. Thinking if I should involve BNM.

I was just thinking to know the reason for rejection, since I read before someone who got rejected and got BNM to involve to know the reason. Itu saja.
Of course I know it is up to banks' discretion la.

Anyway, I'm done with PBB. End of Dec 2015 rejected, April 2017 still rejected. That's it, I will not try for the third time anymore. I will not even consider taking up their housing loan in the future. Like my friend in Maybank mortgage said, PBB is unique and has its own way of assessment. I guess she is right.

Gotta find ways to maximise my cash back. Luckily I still have other cards.

For now this thread.

So, it's PTPTN for sure.

This post has been edited by fruitie: May 16 2017, 09:43 PM

No issue la.
Yes, I printed and checked CCRIS before putting in my application.

At least not this year or maybe next year.

Oh, it was you? Cannot recall. I tried with Quantum only before moving to VS.
Anyway, good for you.

I think most of the forummers who have VS are based on salary requirement and not FD.

I was referring to the existing users, not many got via FD way. I also can't get even already reached the minimum salary requirements.

CIMB CR also doesn't give cash back for Taobao Hangzhou.. Taobao Shanghai is fine. However, UOB YOLO gives cash back for both types.

Saw your reply in PTPTN thread that you just settled payment. If you have late payment and outstanding payments before this, it is very difficult to get PBB cards. I'm one of them too. So I have moved on for now.

They never requested anything from me and straight rejected it. I was just trying to apply Quantum which my payslips and EPF statement have proven they are more than enough. I haven't applied VS yet.

No la, PTPTN is the culprit.

See la how first, I am applying housing loan, so gotta prioritize that first.

Yes, PBB is one of the options. Yeah, knew about that.
Wait till my purchase is confirmed before selecting loan options.