So I send to both email addresses? Haha

custsvc@publicbank.com.my is quite useless imo.

Hi,
Is there a one-time upfront fee for the Exclusive Flexi-Payment Plan Offer (0% for 12 months with minimum purchase of RM1,200) for PBB Quantum Cards?
I came across this table at https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(4).aspx




Does that info in the table apply to PBB Quantum Cards Flexi-pay?

This post has been edited by starry: Jan 19 2018, 08:38 PM

No fee for the quantum card flexiplan

the table belongs to a different campaign, for other public bank cards

Thank you for the info. Much appreciated

As of now, I have Public Bank Quantum MasterCard and Visa Credit Card, with the credit limit of RM 16000.

If I correctly remember, the minimum credit limit of Public Bank Visa Signature Card is RM 35000.

As suggested here, one way to get Public Bank Visa Signature Card is apply for lower level credit cards (such as Quantum Cards), and slowly increase your credit limit till RM 35000 (with your payslips showing increased salary), and request to add a Public Bank Visa Signature Card.

Here is my dilemma. The maximum spending amount for me is RM 1200 per month (RM 600 for Quantum MasterCard; another RM 600 for Quantum Visa), just to get the maximum cashback of RM 30 for each card.

So, after I get salary increase and submit the payslips, how can I convince Public Bank Credit Card Department to increase my credit limit to RM 35000? After all, I never spend beyond RM 1200, let alone RM 16000 of credit limit originally assigned to me.

I know that Public Bank currently has 0 % balance transfer, and 0 % FlexiPay. But, I prefer not to use balance transfer and FlexiPay, as they may lure me to uncontrolled spending beyond my financial ability.

Thank you very much for your kind suggestions.

This post has been edited by kart: Jan 20 2018, 10:40 AM

Pledge RM35000 fixed deposit at any PBB branch and apply for the VS card like I did.

Quantum MC, CB granted:

Dining: CHAIS CUISINE HOLDINGS KULAI MYS (GUOMA STEAMBOAT JBCC BRANCH)




Does karaoke consider as Entertainment??

Be patient, you can e-file your tax return very soon (about 40 days from now), send your latest tax return (e-BE 2017, declared income >RM100k) to PB Card Centre. Pledging FD does not guarantee you will get a VS.

I meet the income requirement but my PBB VS CL is less than 35K

declare tax with income >100k doesnt guarantee also. i tried before. they are quite strict on that. perhaps they need stable income 9k per month and not those performance bonus/allowance which is not guarantee.

I have PB VS and my CL is also less than 35k.

Anyone tried with rental income? I declare my rental income to LHDN.

Am holding Quantum already and a few Ks short of VS requirement and pretty desperate to have another online card since CIMB CB revoke their benefit.

I tried for Citi PremierMiles which is also 100k pa (used salary + rental income) but was rejected.

Pledging FD guarantees.

You can over declare your income in the next return, if you want.
I believe PB will revise the income requirements for premium cards (VI, VS, WM) soon, as other card issuers are doing it.

guys, tis one is use sms from principal or supp hp?

Do you think that I can increase my credit limit to RM 35000, even though I never spend more than RM 1200 per month? This is assuming that my salary has increased to RM 9k per month.

don't think it matters really. As long as you get an SMS confirmation after that, you are good to go. Talking from personal experience, any recent changes I am not sure .


And to those having trouble with sending the application via email, do it with PDF. I was taught by some good people here too. Their file limitation is like fark. Make sure you receive an email confirmation from them after that, otherwise call and ask if they receive the application. Did ALL my supp cards with PDF format, no problemo

How much need to be pledged for quantum cards?

Why would you want that increase then?

And credit limit depends on their risk appetite towards your credit exposure. 9k won't do it.