Applied MBB 2 Gold Card thru RinggitPlus. After that, gatal2 check CCRIS. Car loan so nice, but PTPTN! I pay PTPTN religiously, according to monthly payment set out by them. But I was surprised by more than 80 arrears (which accumulated during servicing account 1 and 2). The next day, I settled all my arrears and outstanding loan, and eligible for 20% discount. Pheww.

Few days later, got SMS from MBB '...unable to accede to your card application'. Yeah expected la kan with 80 months outstanding in CCRIS. Then appeal thru email, attached PTPTN settlement letter and ledger (to prove that I actually pay PTPTN every month).

While waiting for the result, got call from MBB Card Center. They offer me MBB Petronas Ikhwan. Just layan je lah without telling her my current application and appeal for MBB 2 Gold.

Now its already 4-5 days after MBB acknowledge my appeal and that call center offer. Still no words from them. Sure fail kah?