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

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tan_aniki
post Aug 10 2018, 07:46 PM

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Just received my VI and WMC but strange part is my VS/QMC/QV credit limit is still 40k but VI/WMC is 50k... is it separate from others or share?
ClarenceT
post Aug 10 2018, 07:55 PM

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QUOTE(tan_aniki @ Aug 10 2018, 07:46 PM)
Just received my VI and WMC but strange part is my VS/QMC/QV credit limit is still 40k but VI/WMC is 50k... is it separate from others or share?
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VI+WMC+VS+QM+QV: Max 50k
But VS+QM+QV you can use up to 40k only
tan_aniki
post Aug 10 2018, 08:10 PM

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QUOTE(ClarenceT @ Aug 10 2018, 07:55 PM)
VI+WMC+VS+QM+QV: Max 50k
But VS+QM+QV you can use up to 40k only
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erm... make no sense...
"VI+WMC+VS+QM+QV: Max 50k
But VS+QM+QV you can use up to 40k only"

But VS+QM+QV also inside VI+WMC+VS+QM+QV which mean credit limit also max 50k right?
ClarenceT
post Aug 10 2018, 08:19 PM

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QUOTE(tan_aniki @ Aug 10 2018, 08:10 PM)
erm... make no sense...
"VI+WMC+VS+QM+QV: Max 50k
But VS+QM+QV you can use up to 40k only"

But VS+QM+QV also inside VI+WMC+VS+QM+QV which mean credit limit also max 50k right?
*
Yes.

Assume from 0,

If you spend RM5,000 using VI
Your available credit limit VI/WM - RM45k, VS/QM/QV - RM40k

If you spend RM5,000 using QM
Your available credit limit VI/WM - RM45k, VS/QM/QV - RM35k
tan_aniki
post Aug 10 2018, 08:22 PM

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QUOTE(ClarenceT @ Aug 10 2018, 08:19 PM)
Yes.

Assume from 0,

If you spend RM5,000 using VI
Your available credit limit VI/WM - RM45k, VS/QM/QV - RM40k

If you spend RM5,000 using QM
Your available credit limit VI/WM - RM45k, VS/QM/QV - RM35k
*
means extra 10k boundary for VI/WMC la...
else if i spend RM20k for VI the other 3 cards still limit 40k meh, must be drop down to 30k
ClarenceT
post Aug 10 2018, 08:24 PM

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QUOTE(tan_aniki @ Aug 10 2018, 08:22 PM)
means extra 10k boundary for VI/WMC la...
else if i spend RM20k for VI the other 3 cards still limit 40k meh, must be drop down to 30k
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Yes. Ask PB to increase your CL for VS/QM/QV to RM50k or reduce your CL for VI/QM to RM40k, then it will not confuse you in the future.
SUSDavid83
post Aug 10 2018, 08:36 PM

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Gosh ... this looks like a awkward case!
tan_aniki
post Aug 10 2018, 08:47 PM

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QUOTE(ClarenceT @ Aug 10 2018, 08:24 PM)
Yes. Ask PB to increase your CL for VS/QM/QV to RM50k or reduce your CL for VI/QM to RM40k, then it will not confuse you in the future.
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nvm la, i won't spend that much on PBB, the most i spent is on HLB Fortune.
ClarenceT
post Aug 10 2018, 08:57 PM

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QUOTE(tan_aniki @ Aug 10 2018, 08:47 PM)
nvm la, i won't spend that much on PBB, the most i spent is on HLB Fortune.
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Haha my QM/QV CL is almost double of my VS (2014-). I am thinking to slash my CL as I have never breached 20% of approved CL. BT not attractive, only 6 months.
thesoothsayer
post Aug 11 2018, 12:33 AM

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Is the Quantum Mastercard still available? I applied online and selected the "PB Quantum" checkbox. Didn't realise that the final form they asked me to submit only says "PB Quantum Visa". Mastercard was missing there.

Wondering if it's because I already have the PB Visa Signature?
cybpsych
post Aug 11 2018, 05:58 AM

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QUOTE(thesoothsayer @ Aug 11 2018, 12:33 AM)
Is the Quantum Mastercard still available? I applied online and selected the "PB Quantum" checkbox. Didn't realise that the final form they asked me to submit only says "PB Quantum Visa". Mastercard was missing there.

Wondering if it's because I already have the PB Visa Signature?
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it comes in 2: visa and mc , so I guess form doesn't need to specify, just PB Quantum is enough.
thesoothsayer
post Aug 11 2018, 06:06 AM

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QUOTE(cybpsych @ Aug 11 2018, 05:58 AM)
it comes in 2: visa and mc , so I guess form doesn't need to specify, just PB Quantum is enough.
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That's what I thought. The online form that I filled said "PB Quantum".

The pdf one that was generated and which they asked me to submit says PB Quantum Visa. MC was missing. Didn't realise that.
Attached Image

Tried again and see that it's still the same. Maybe I need to call them up and ask about it.

This post has been edited by thesoothsayer: Aug 11 2018, 06:10 AM
cybpsych
post Aug 11 2018, 07:15 AM

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QUOTE(thesoothsayer @ Aug 11 2018, 06:06 AM)
That's what I thought. The online form that I filled said "PB Quantum".

The pdf one that was generated and which they asked me to submit says PB Quantum Visa. MC was missing. Didn't realise that.
Attached Image

Tried again and see that it's still the same. Maybe I need to call them up and ask about it.
*
dont bother with the online form.

just so the PDF form and email.
MGM
post Aug 11 2018, 09:51 AM

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Does paying fees to Taylor's College via PBebank>Payment>BillPayment>ToOtherBill using VS/QM entitled for online trx CB?
ClarenceT
post Aug 11 2018, 10:05 AM

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QUOTE(MGM @ Aug 11 2018, 09:51 AM)
Does paying fees to Taylor's College via PBebank>Payment>BillPayment>ToOtherBill using VS/QM entitled for online trx CB?
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Should be NO, bcoz via pbe.
christcwl9
post Aug 11 2018, 10:07 AM

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QUOTE(harmonics3 @ Aug 9 2018, 04:00 PM)
what you guys think of the soon to be imposed RM25 annual tax on each credit card? need to cut those seldom/unused cards
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Source for it?? Means to say they are going to charge annual fee for Quantum Mastercard and Quantum Visa card?? hmm.gif
cybpsych
post Aug 11 2018, 10:29 AM

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QUOTE(christcwl9 @ Aug 11 2018, 10:07 AM)
Source for it?? Means to say they are going to charge annual fee for Quantum Mastercard and Quantum Visa card?? hmm.gif
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sst la, not annual fee

This post has been edited by cybpsych: Aug 11 2018, 10:57 AM
final
post Aug 11 2018, 10:41 AM

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hi all, if i want to purchase movie tickets online, should i use Quantum Master Card or VISA card
cybpsych
post Aug 11 2018, 10:52 AM

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QUOTE(final @ Aug 11 2018, 10:41 AM)
hi all, if i want to purchase movie tickets online, should i use Quantum Master Card or VISA card
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both Quantum cards eligible.

get cb from Mastercard because of Online payment mode.
get cb from Visa because cinemas are using MCC 7832: Motion Picture Theaters.
christcwl9
post Aug 11 2018, 10:56 AM

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QUOTE(cybpsych @ Aug 11 2018, 10:29 AM)
sst la, not annual ger5
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Mind to elaborate further bro? icon_question.gif
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