Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
13 Pages « < 6 7 8 9 10 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards Public Bank Credit Cards V3, PB Visa Sig 6% & Quantum 5% Cash Back

views
     
SUSDavid83
post Jun 19 2018, 01:20 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(tan_aniki @ Jun 19 2018, 12:14 PM)
RP only seek the confirmation from credit card and PB will only know Bigpay as online transaction and they will report to RP accordingly.
*
haru20 no need to worry, your big brother Tan assures you by his statement!
Don't flame me if you don't get it

This post has been edited by David83: Jun 19 2018, 01:23 PM
SUSDavid83
post Jun 19 2018, 01:25 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(life27 @ Jun 19 2018, 01:24 PM)
aside from this quantum card ,

which public card or another card give a lot of cash rebate monthly for ONLINE shopping ?
*
PBB Visa Signature.
SUSDavid83
post Jun 19 2018, 01:30 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(life27 @ Jun 19 2018, 01:29 PM)
so the different here is visa sig vs quantum is 1% cashback different only right ?? correct me if i am wrong  bangwall.gif
*
Yes.

PBB Quantum Mastercard; 5% up to RM 30
PBB VS: 6% up to RM 38
SUSDavid83
post Jun 19 2018, 11:43 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(fkinmeng @ Jun 19 2018, 11:22 PM)
just want to report:

COLD STORAGE-SUNWAY PUTRAKUALA LUMPUR MY

not eligible for Quantum Visa cash back.
*
This should fall under groceries MCC.
Nothing to be surprised for.

This post has been edited by David83: Jun 19 2018, 11:44 PM
SUSDavid83
post Jun 19 2018, 11:56 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(fkinmeng @ Jun 19 2018, 11:53 PM)
i thought can consider under Departmental.  blush.gif
*
Departmental stores are like AEON Departmental, Parkson, Istean, Metrojaya and etc whereby they don't actually wet market stuffs.
SUSDavid83
post Jun 22 2018, 06:26 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(cybpsych @ Jun 22 2018, 06:22 PM)
no issue with MCC 5813 for dining.
*
I think he might use the wrong card.
Use Quantum Visa instead of Mastercard as initially, he thought it could fall under Entertainment.
SUSDavid83
post Jun 23 2018, 03:48 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ZeneticX @ Jun 23 2018, 03:46 PM)
my application for quantum 2 cards keep getting rejected. This is my second time applying through ringgitplus (for free voucher)

i already have maybank 2 cards since March and I've been paying my statements on time

the first time I was rejected was during April but that one I can understand since I only have my Maybank cards for one month and maybe they're not confident with me yet

but this time it was rejected again, should I wait longer before reapplying?
*
Your 2nd re-application is still within the cooling period.
Not surprise to be rejected.
Cooling period: 3 to 6 months
SUSDavid83
post Jun 23 2018, 03:53 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ZeneticX @ Jun 23 2018, 03:53 PM)
oh i didn't know about this

so since my 2nd application is being rejected now I need to wait another 3 to 6 months? Ideally I should reapply around end of the year?
*
The longer the better because all applied credit facility (regardless of rejected/pending/successful) will be tracked in CCRIS for the preceding 12 months.

This post has been edited by David83: Jun 23 2018, 03:58 PM
SUSDavid83
post Jun 23 2018, 03:57 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ZeneticX @ Jun 23 2018, 03:55 PM)
alright thanks. I didnt know about this and it was a surprise to me it was rejected because even my car loan application was just approved recently
*
There's a lot factors to be considered.
Perhaps your approved car loan has increased your DSR and caused your PBB Quantum got rejected!
SUSDavid83
post Jun 23 2018, 04:03 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ZeneticX @ Jun 23 2018, 04:01 PM)
I haven't signed the loan agreement though... what's the DSR % banks usually consider when it comes to credit card application?
*
Not sure because each bank has its own number which usually won't be disclosed openly.
Approved credit facility will appear in CCRIS already depending on the update cut-off date.
They may have also considered your available credit utilization against your income.

This post has been edited by David83: Jun 23 2018, 04:04 PM
SUSDavid83
post Jun 23 2018, 04:12 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ZeneticX @ Jun 23 2018, 04:08 PM)
ok thanks. Guess I'll just forget about this credit card for the time being
*
Read this:
https://www.thestar.com.my/business/busines...r-credit-score/
SUSDavid83
post Jun 23 2018, 10:15 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(Fak3-1234 @ Jun 23 2018, 10:13 PM)
Dear all sifu

I submitted an online application via PBB website on 13th June, applying Quantum CC

then I downloaded the CC application and filled up
I realize there is no “PPB Quantum CC” to be ticked in the box, so I just ticked the PPB Visa Gold/MasterCard Gold and submitted along with supporting documents

Until today I received a sms from 66300 saying:

RM0.00 PBB Cards: Congratulations! Yr credit/debit card has been approved. Pls allow min 3 working days for card delivery/collection depending on area. TQ

So my questions are:
1. Is this real sms from PPB?
2. Why I never received call from PPB for vadidating the info one?
3. Which card will they approve me based on my scenario above? (if it’s a real sms from PPB)

Thanks and regard
*
Why don't call CS for clarification?
CS phone number: 03 21768333
SUSDavid83
post Jun 23 2018, 10:32 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(Fak3-1234 @ Jun 23 2018, 10:30 PM)
Hi again
I logged into my PBe online and saw the PPB Visa Gold & PPB MasterCard Gold with the card number ady.
I guess I will have to wait for the card delivery.

Cannot believe PPB approved my CC application
*
Too bad that it doesn't display the actual card name in PBe.
SUSDavid83
post Jun 24 2018, 08:50 AM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ganjeneu @ Jun 24 2018, 08:48 AM)
Hello all, would like to Know Quantum Visa & Master is it shared credit limit or separate? Because I saw my pbe, the credit balance for both cards seems to be separate.
*
Shared.
SUSDavid83
post Jun 24 2018, 01:32 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
Received a recorded robotic voice from +60321728000 claiming that I got outstanding of few hundreds bla bla
SUSDavid83
post Jun 24 2018, 07:39 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(siawyent @ Jun 24 2018, 07:23 PM)
Me too, but I think it is a scam, so I just cut it off.

It asked me to press 1 to decline the transaction, but I didn't.  did you?
*
I just end the call.
It's not my first time to receive such call.
SUSDavid83
post Jun 24 2018, 07:52 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(MGM @ Jun 24 2018, 07:50 PM)
So far I have received such calls identified themselves from HLB claiming I owed CC bills, and I  always ended the call without responding. Seems like the Macau scam.
*
But those are real person voice pretending to be calling from HLB HQ bla bla.
I think HLB one, I kena twice or 3 times!
I even logged a complaint to HLB CS.
SUSDavid83
post Jun 26 2018, 12:35 AM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(eddie2020 @ Jun 26 2018, 12:18 AM)
anyone apply with ringgit plus? how long it takes? mine around 1 week no news after submitted the document.
Another 1 thing wanna ask, do they see your bank account to judge either approev your card? PBB not my main bank, i leave minimal balance, wonder should i transfer some of my fund to make it looks better haha
*
Wait till RP and PBB calls you.
No need to have CASA with PBB.
I don't have any products with PBB before got my PBB Quantum & VS.
SUSDavid83
post Jun 28 2018, 08:07 AM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
QUOTE(ClarenceT @ Jun 28 2018, 07:48 AM)
Payment to Shopee.my is localized.
IPAY88-SHOPEE KUALA LUMPUR MY
(No longer "SG" so no Cross Country Transaction charge for certain credit cards)

Transaction by using Public Bank Visa (not sure about MasterCard) is posted on the same day. No longer +2 days.
*
Somebody mentioned in BigPay thread that Shopee processing bank is PBB.
SUSDavid83
post Jun 29 2018, 03:58 PM

20k VIP Club
*********
All Stars
52,874 posts

Joined: Jan 2003
Applied too many and too frequent will be a problem.
Applied a lot from different banks at the same time also will be a problem.

All credit facility applications will be tracked in the CCRIS for 12 months regardless successful/pending/rejected

This post has been edited by David83: Jun 29 2018, 04:01 PM

13 Pages « < 6 7 8 9 10 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0211sec    0.62    7 queries    GZIP Disabled
Time is now: 1st December 2025 - 11:14 AM