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Credit Cards Public Bank Credit Cards V2, PB Visa Sig 6% & Quantum 5% Cash Back

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ClarenceT
post Jan 22 2018, 08:31 AM

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QUOTE(dannychen @ Jan 21 2018, 10:44 PM)
minimum income requirements for PBB cards reduced.

source
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Existing VS customers can now get VI to get 3X PPL access!
sendohz
post Jan 22 2018, 08:44 AM

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good news!!!!
Now i can opt to apply for VS~!
cybpsych
post Jan 22 2018, 08:56 AM

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QUOTE(dannychen @ Jan 21 2018, 10:44 PM)
minimum income requirements for PBB cards reduced.

source
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looks like it was updated fairly recent. cached copy on 18 Jan still showing old income level biggrin.gif

user posted image
chiahau
post Jan 22 2018, 09:28 AM

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QUOTE(fruitie @ Jan 22 2018, 01:17 AM)
I guess it doesn't help for my case if they have been rejecting my Quantum, don't mention about my VS application which rejected with no consideration even fulfill salary requirement (100k p.a.), maybe after I pay off the entire PTPTN loan they may approve me. laugh.gif

Anyway, I will still apply every 6 months until I'm being approved by them. laugh.gif
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Yeah same. I’ve been applying every 6 months too laugh.gif

Every 6 month I’ll get the same rejection message.
V12Kompressor
post Jan 22 2018, 09:31 AM

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QUOTE(fruitie @ Jan 22 2018, 01:17 AM)
I guess it doesn't help for my case if they have been rejecting my Quantum, don't mention about my VS application which rejected with no consideration even fulfill salary requirement (100k p.a.), maybe after I pay off the entire PTPTN loan they may approve me. laugh.gif

Anyway, I will still apply every 6 months until I'm being approved by them. laugh.gif
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I also got PTPTN loan and they still approve my application. My PTPTN loan amount can almost buy a low spec Honda Jazz somemore.

You got other commitments issit? hmm.gif
deeplyheartbroken
post Jan 22 2018, 09:40 AM

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QUOTE(fruitie @ Jan 22 2018, 01:17 AM)
I guess it doesn't help for my case if they have been rejecting my Quantum, don't mention about my VS application which rejected with no consideration even fulfill salary requirement (100k p.a.), maybe after I pay off the entire PTPTN loan they may approve me. laugh.gif

Anyway, I will still apply every 6 months until I'm being approved by them. laugh.gif
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Could it be the number of cards you already have?

I am guessing that if existing customer applying for another card, should not be an issue?

Had been longing for the PBB VI, since I already have the VS since during it launch.
klsooo
post Jan 22 2018, 10:05 AM

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Wish to ask for Balance Transfer of Public Quantum card.

The credit limit is combine for Quantum VISA and MASTER or separated.


SzeMeng76
post Jan 22 2018, 10:09 AM

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QUOTE(klsooo @ Jan 22 2018, 10:05 AM)
Wish to ask for Balance Transfer of Public Quantum card.

The credit limit is combine for Quantum VISA and MASTER or separated.
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Combined.
fruitie
post Jan 22 2018, 11:00 AM

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QUOTE(chiahau @ Jan 22 2018, 09:28 AM)
Yeah same. I’ve been applying every 6 months too laugh.gif

Every 6 month I’ll get the same rejection message.
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High five here. I guess they see our applications until vomit blood. laugh.gif

QUOTE(V12Kompressor @ Jan 22 2018, 09:31 AM)
I also got PTPTN loan and they still approve my application. My PTPTN loan amount can almost buy a low spec Honda Jazz somemore.

You got other commitments issit? hmm.gif
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My current outstanding is RM 57k but I have been paying consistently and CCRIS is all cleared. I'm not sure, they have been rejecting me since 2014. laugh.gif
Only hire purchase loan which is only RM 580 per month.

No more other commitments.

QUOTE(deeplyheartbroken @ Jan 22 2018, 09:40 AM)
Could it be the number of cards you already have?

I am guessing that if existing customer applying for another card, should not be an issue?

Had been longing for the PBB VI, since I already have the VS since during it launch.
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I started applying with very minimal cards in 2014 until today (obviously more cards), still rejected. laugh.gif
wjchay
post Jan 22 2018, 11:00 AM

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QUOTE(donhue @ Jan 22 2018, 03:33 AM)
Is it possible for husband and wife to hold 4 VS cards if they both meet the minimum income? I.e. each hold a principal and supp for the other?
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Yes
V12Kompressor
post Jan 22 2018, 11:08 AM

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QUOTE(fruitie @ Jan 22 2018, 11:00 AM)
My current outstanding is RM 57k but I have been paying consistently and CCRIS is all cleared. I'm not sure, they have been rejecting me since 2014. laugh.gif
Only hire purchase loan which is only RM 580 per month.
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But your hire purchase also ending soon around Sept/October this year kan?

Maybe coz they saw ur salary high but almost zero commitment and therefore flag you off as high risk. I also kena that before from a few banks. sweat.gif
fruitie
post Jan 22 2018, 11:11 AM

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QUOTE(V12Kompressor @ Jan 22 2018, 11:08 AM)
But your hire purchase also ending soon around Sept/October this year kan?

Maybe coz they saw ur salary high but almost zero commitment and therefore flag you off as high risk. I also kena that before from a few banks. sweat.gif
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Hmm nope. My hire purchase is due in 2020. Anyway, I plan to sell off the car soon, so it will be out from my record in these few months. smile.gif

Not high salary la, average only. sweat.gif I wanted them to approve my Quantum first, then I will submit my VS but still failed. So far, I have tried VS application only - failed. Quantum only - failed. Quantum and VS - failed. These are from last year and recently. I haven't mentioned about long long time ago, just trying to apply their Plat Visa Islamic or something. laugh.gif
tonytyk
post Jan 22 2018, 11:34 AM

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is payment at 7-11 under grocery MCC category?
cybpsych
post Jan 22 2018, 11:35 AM

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QUOTE(tonytyk @ Jan 22 2018, 11:34 AM)
is payment at 7-11 under grocery MCC category?
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where do you intend to use credit card at 7-11?
akib_mullen
post Jan 22 2018, 12:25 PM

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My issue for the pb quantum few posts back, the available balance on pbebank i think is not correct. If looking on availablr balance for mastercard and visa it looks like i got 6k CL each card, but yesterday i swipe my card and got declined. It really is 6k combined limit as per letter during receiving of the card.
SzeMeng76
post Jan 22 2018, 01:08 PM

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QUOTE(akib_mullen @ Jan 22 2018, 12:25 PM)
My issue for the pb quantum few posts back, the available balance on pbebank i think is not correct. If looking on availablr balance for mastercard and visa it looks like i got 6k CL each card, but yesterday i swipe my card and got declined. It really is 6k combined limit as per letter during receiving of the card.
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Ya. Dont follow the master available credit limit.
It did not included the visa authorised charged.
I always follow Visa one. I think Visa one is correct.
hwachong
post Jan 22 2018, 02:18 PM

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I submitted my application online, how do I submit the documents required?
V12Kompressor
post Jan 22 2018, 02:37 PM

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QUOTE(hwachong @ Jan 22 2018, 02:18 PM)
I submitted my application online, how do I submit the documents required?
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wait for them to call u, then they will send you an email and you attach all the relevant documents when you reply to the email.
akib_mullen
post Jan 22 2018, 03:09 PM

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QUOTE(SzeMeng76 @ Jan 22 2018, 01:08 PM)
Ya. Dont follow the master available credit limit.
It did not included the visa authorised charged.
I always follow Visa one. I think Visa one is correct.
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I think mine both also incorrect, because i got only 1.2k available balance, my master show around 4k+ and visa around 2k+
Anyway, I think if want to know the exact credit limit, need to refer to the letter that we got when we receive the card.
Online is not reliable.
Unless you got credit limit increase, then it is different case.
SzeMeng76
post Jan 22 2018, 03:15 PM

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QUOTE(akib_mullen @ Jan 22 2018, 03:09 PM)
I think mine both also incorrect, because i got only 1.2k available balance, my master show around 4k+ and visa around 2k+
Anyway, I think if want to know the exact credit limit, need to refer to the letter that we got when we receive the card.
Online is not reliable.
Unless you got credit limit increase, then it is different case.
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The total limit is correct.
eg Visa show 6k , master show 6k.
But that is not separate.
Means you both card combined have 6k..
My total limit is correct with my letter.

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