now can

earlier morning cannot

Thanks for sharing

Received RM70 cashback from Pay and Get campaign

Second time got rejected from UOB where last application is like a year ago
Currently holding 2 cc from other banks for 2 years+, I don't know what they want more

wat card u apply, your EA (not payslip) gt meet income req or not?

This post has been edited by theberry: Oct 26 2024, 07:03 PM

Which is better PME or VI? I am planning to cut one of them since the benefit is kinda overlapping. Only difference is maybe the lounge access since VI is tagged to dragon pass?

VI looks better for lounges.

Both time I applied for UOB One classic, minimum requirement is 2k salary
Got rejected for no reason

ohh dat one 2k also kena easy reject ker
maybe too much commitment in ccris

Plus the 5x points for dining seems better utilised than 5x points for air flights.
But the VI doesn't seem to be listed for the special UOB lounge in the PPL at KLIA though? The Prvi is

now UOB VI for dining = 0.41 miles / RM, not much different with MBB VI 0.4 miles / RM

VI also has, as per this website:
https://www.uob.com.my/personal/promotions/...ium-lounge.page

*The UOB-exclusive Dedicated Lounge Area is only applicable for UOB Zenith, UOB Visa Infinite, UOB Lady's Solitaire, UOB PRVI Miles Elite and UOB World Credit Cards. Terms and conditions apply.

which camplaign is it?

anyone recievied cb for aug-nov spend campaign? the one spend rm500 get rm50 cb

UOB you can redeem it at anytime whereas MBB redemption only can do it within a few minutes on the first day of the month. Btw, MBB is 0.2 miles / RM

This post has been edited by iamshf: Oct 27 2024, 03:56 PM

Ohhh looks like it's time for me to apply the VI and cancel my Prvi lol

Oh wait, nvm dining 5x is only for min spending of RM1k per month and supp cards no PPL access (Prvi supp cards share PPL access)

This post has been edited by Lego Warfare: Oct 27 2024, 04:18 PM

Dining better get SCB Journey, not too bad.

Got check ccris?

Btw, for those who don't know, last time only banks can access to CCRIS but now you can check your own CCRIS report. All loans, cards etc... that are taken from a bank will be reflected in CCRIS including any missed payments. You can also see the status of your application, whether credit card approved by the bank or rejected without the bank first calling and informing you.

In any case, Banks don't only use 1 point of data and they will also use CTOS to evaluate your credit. I have 2x cards with UOB, 2x HLB, 1x with AM (applying for 1x VI to complete my lounge access) but got rejected by Alliance and MBB (former Amex 2 card reserve holder and wanted to apply for VI). In any case, I will be cutting some cards and rearranging them for better benefits.

I suspect rejection by Alliance and MBB was due to miss payments on a loan. That aside, I suspect my credit score rating is deteriorating because the amount of applications and credit I am using (spend up to 50-60% of my limit but repay on time and full).

Why not pay RM25 to see your CTOS score?

Coz I would rather have a RM 25 lunch and I know I am paying everything up to date except IWK.