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Credit Cards Public Bank Credit Cards, PB Visa Sig 6% & Quantum 5% Cash Back

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OKLY
post Jun 28 2017, 02:19 PM

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Currently for online purchases, I'm only covered by CIMB Cash Rebate card but that has quite a number of categories that will not get 5% cashback.

For this Quantum MC, does all online purchases get 5% cashback?
OKLY
post Jun 28 2017, 02:29 PM

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Does it come with 2 cards both VISA and MC? Can't seem to choose just one when applying online on PBE. So both cards each have to swipe 12 times to get annual fee waiver?
OKLY
post Jun 28 2017, 03:11 PM

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How is Public Bank with credit limit to its customers? Stingy or generous?
OKLY
post Jun 28 2017, 03:48 PM

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QUOTE(DarReNz @ Jun 28 2017, 03:46 PM)
you mean Quantum or VS ? VS sure give more credit limit  smile.gif
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On a general basis. Like Citibank generally gives a lot of credit limit, even to those basic cards.
OKLY
post Jun 30 2017, 09:30 AM

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QUOTE(Awakensoul @ Jun 30 2017, 04:21 AM)
Just a curious note. Why want so high credit limit. Lol.

Ok not saying it's bad. Imagine u drop your card and someone else who saw you spend earlier saw your pin. Wala 4x salary gone.
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Credit scoring will look better as the card holder shows responsibility with it. If I get higher credit limit while still maintaining my spending/usage on my card, my credit utilization is lower compared to before.
OKLY
post Jun 30 2017, 09:39 AM

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QUOTE(LostAndFound @ Jun 30 2017, 09:35 AM)
For me it's the opposite, higher credit limit blocks me from getting new cards. My salary amount doesn't increase as fast as new cards eat it up.

If you have 5 or 6 cards and total credit limit exceeds your annual salary then I think it's quite impossible to apply for more (even if utilization is only something like 10% of your credit limit). I had to cancel a card to apply a new one. Since then I've intentionally lowered limits on some of my 'temporary' credit cards (those which I apply just to get ringgitplus reward etc.) to avoid this problem
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Yup, for your case if you are looking to hold many cards then it's better to have a more balanced credit limit across your cards. I hold max from 4 different issuers so not an issue for me.
OKLY
post Jul 4 2017, 08:28 PM

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QUOTE(SzeMeng76 @ Jul 4 2017, 03:10 PM)
Extended but excluded for quantum cards, please refer TnC.
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I'm still waiting for my Quantum so guess there are no other freebies at the moment. sad.gif
OKLY
post Jul 5 2017, 09:46 AM

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QUOTE(DarReNz @ Jul 5 2017, 07:18 AM)
through online application form on post#1, since there is promo do apply the PB Mass Acquisition (until 31st July 2017) after approval  thumbup.gif
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QUOTE(SzeMeng76 @ Jul 5 2017, 08:25 AM)
The promo not included quantum cards not?
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Yup, Quantum not eligible.

Attached Image
OKLY
post Jul 6 2017, 11:32 AM

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QUOTE(jimbet1337 @ Jul 6 2017, 09:39 AM)
I submit my application (form & required attachment) on Monday night. Received SMS this morning that the card has been approved. Quite fast.
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That's fast. You are an existing PB card holder?
OKLY
post Jul 7 2017, 01:37 PM

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QUOTE(fkinmeng @ Jul 6 2017, 12:10 PM)
wah so fast, my quantum applied since last 2 weeks, not even processed yet.
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I'm also waiting roughly the same amount of time, maybe we should resubmit? sweat.gif
OKLY
post Jul 10 2017, 11:03 AM

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QUOTE(fkinmeng @ Jul 10 2017, 10:41 AM)
an update, finally i received email stating that my application is under process.  bruce.gif
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So I guess they were right when they said system was down, applications should start processing now.
OKLY
post Jul 15 2017, 08:45 PM

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QUOTE(fkinmeng @ Jul 15 2017, 12:15 AM)
rejected for quantum, sien...

how long before i can reapply? laugh.gif
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They SMS on the status?

CS told me my application is being processed but when I call to check using NRIC via the automated process, it says my NRIC is not in their records. sweat.gif
OKLY
post Jul 17 2017, 03:14 PM

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QUOTE(fkinmeng @ Jul 15 2017, 09:03 PM)
ya at first i kena the not in their record thing.

then i email them to confirm if they received my application, they send an automated reply saying yes.

then next thing i know, a letter by public bank saying rejected.
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Then I suppose mine is being rejected as well since my situation is similar as yours.
OKLY
post Jul 22 2017, 10:17 AM

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Received SMS from Public Bank this morning, Quantum card has been approved.
OKLY
post Jul 22 2017, 09:39 PM

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Public Bank mentioned that my card will delivered minimum 3 working days. Hopefully can get it by this week, then perhaps I can make it for this week's last and final cashback promo? laugh.gif
OKLY
post Jul 26 2017, 07:27 PM

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Just received my Quantum cards today, exactly 3 business days after receiving SMS that card is approved.

This post has been edited by OKLY: Jul 26 2017, 07:31 PM
OKLY
post Aug 19 2017, 08:03 AM

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So my cash back from the 8x swipes was credited to my Visa card when I was spending on my MasterCard, so my Visa balance is now negative. Is there any way to transfer it over to my MasterCard?

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