ooo.. like tat o.. i wan to join 'take ur choise hm promotion' n i wrongly read the t n c so thought need to apply for both pbb n pbb-i cc. 😂

another question is if i only hav vs, m i eligible to join the promotion?





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Should qualify if you are a new PB cardholder.
PB VS doesn't pair with any mastercard so you didn't need to apply for both Visa+Mastercard.

Just wondering, take Visa Signature for example. Annual requirement 80k. Let's say if I have monthly salary sum up to 70k and bonus of 10k. Technically 80k annual income and fullfill the minimum income requirement. While I think it would be case by case basis, but do banks recognize bonus as part of the annual income? I would assume that bank would prefer something more stable like actual salary = 80k without bonus? If my annual income is like that, it probably means lower chance of getting approval?

This post has been edited by LightningZERO: Aug 9 2018, 01:22 PM

Just give them your Form B/BE 2017.

RinggitPlus: Complimentary RM200 Giant Voucher!
1st August 2018 - 31st December 2018

Terms and Conditions apply.

Just furnish them your Form B / BE. It is your right to apply. And it is their right to approve / reject. We don't know the criteria how they approve / reject. So the only thing we can do if we really want to card is make sure our CCRIS is clean and apply for it.

Depends on how desperate on bank side, my friend got CIMB VS Signature with CL 2.5k. Everything is possible !

PB not desperate on VS...

tqvm, really appreciate ur helps.

what you guys think of the soon to be imposed RM25 annual tax on each credit card? need to cut those seldom/unused cards

keep the CB cards while cancel all except one for priority pass

PBB handling those unbilled transactions/ CC processing takes quite a time

Today i did my first payment to PBB using MBB instant transfer, within 0.5 second, i received SMS from PBB said money received, woot

That's freaking fast

Other banks doesnt reflect so instant

This post has been edited by TongCN: Aug 9 2018, 04:16 PM

That's the purpose of IIBFT.
Actually, it doesn't show only but your CL should have recovered once the transfer accepted.

Use case from Citibank.

usually banks manages and prioritize their resource! if every single transactions need to be reflected in real-time/near real-time, it's be resource intensive and not favorable.

analogy: can you keep refreshing/F5 your browser to see the website changes? can you still use your laptop/pc/phone if you KEEP refreshing it? same thing to bank systems. if they keep refreshing ALL the accounts for ALL transactions, their systems would be overloaded and goes AWOL.


for payment, usually it's reflected immediately. for cc transaction, it would take daily refresh to see it.

one bank that i noticed doesnt reflect payment immediately is UOB. my Instant Transfer to UOB YOLO card doesnt reflect immediately, and UOB only refreshes it at 10pm daily.

Some bank doesnt instant for me

Sometime when i did on Friday Morning, the actual only reflected on NEXT Monday
Then i get interest charges on this "slow" payment

Like bro cybpsych mentioned, UOB is one of it.
Another is CIMB

for uob, instant transfer is instant fund transfer (fund movement). just that the transaction is NOT REFLECTED instantly in the internet banking (IB) because bank doesnt refresh the accounts frequently.

for UOB, they already captured the fund, just their PIB doesnt update/refresh until 10pm <-- i guess uob is avoiding acct refresh at midnight like most banks do.

Which i dun understand, i get charges for Financial Interest sometime, though it just RM1~

that, i dont know what is happening between u and the bank

Anyway, PBB is the only bank that will send SMS regarding they receive the money <--- this one i salute, at least i get notify

CIMB, MBB, UOB, SC which i own do not have this feature.

the SC "Justone" account i had always receive sms when receiving money in.
and also same with HLB.

while my pbb isnt.