eh "reload" digi or other telcos can ah? As in, multiple of 60s? They don't treat as split transaction?

Can I also know if you managed to get the cash back from the default monthly cash back of $30 (Quantum MC) or $38 (Visa Signature) along with this promo? Or have to spend/reload separately in addition to the amount for the monthly $30/$38? I am not sure if the monthly cash back is considered "other on-going cash back promotion" in "excludes the transactions that earn Cash Back under other on-going Cash Back promotion"

This post has been edited by beLIEve: Oct 22 2018, 02:16 AM

Maybe because you already have high credit limit from other banks and they're worried you might not be able to pay back if fully maxed out?

I've read that one way for newbies to get credit cards is to pledge FD. Maybe just offer to pledge 1000-2000 to them for a low credit limit as you mentioned? I remember you said you don't want to pledge. But for the goodies, I think worth considering.

One thing from experience, I don't think they are worried with the credit limit. Back in the day when I only gave minimal supporting docs to HL, I thought they don't need so many things for a low credit limit, say 2000-3000. Now it just seemed that banks prefer to give as high a limit as possible based on your income. Probably they are not interested to give too low a limit, because can't make money from you.

This post has been edited by beLIEve: Oct 22 2018, 02:13 AM

Alright, thanks bro!

Then I think you can give it a try. Only problem is, I don't know (not sure if anyone knows) the ideal credit limit for the bank. Too low, they cannot make money from you (if you ever cannot pay in full). Too high, they worry you default. Maybe can try ask the branch to find out for you. Or simply make enquiry on their website ask them recommend how much. But website takes forever, the last time I mail them, more than a week to reply.

nonono. I'm merely asking trying to find out. I haven't reach my annual income yet. Last application "cancelled", which I assume equivalent to rejected. But I was on an application spree.

I think if you spread out your application, sufficient enough for them to look see you're paying back all your existing cards promptly, it will look better.

If anyone is interested, last week I did some free credit score test from a US agency (I'm not paying CTOS for mine, since I don't need to know yet, or other companies to keep my data, or CIMB for marketing purposes), the more cards I apply the past x months, the lower my score.

Ok, that explains why I'm still cracking my head how to win the promo without getting lots of my money stuck unutilized for an extended period of time, and without using the withdrawal method (not to mention I don't have bigpay yet). Don't have much things to spend on.

He said his BP overflowed. I thought you meant to say multiple BP cards. Maybe apply under friends n family. Only problem is, more and more good money stuck unless start withdrawing.

No lah. After that you said multiple PBB cards mah. If his BigPay card already overflow, means the solution is the things not covered by credit card that you mentioned?

Sorry, I thought all KK would be the same. It'll be a huge KK list to maintain.

Mine was KK Market Hall, Pudu branch. MCC obtained from Public Bank Customer Support.

This post has been edited by beLIEve: Oct 22 2018, 10:26 PM

Haha. I didnt even notice Debit Card got promo until I see 高手s posting here. Mom has the Debit Card, that's why I'm not in a hurry And I want to avoid disputes also since they stated credit card holders not entitled.

err yeah bro. What I mean is, if can avoid any disqualification, I avoid la. And since I don't have their Debit Card, no need worry also.

Do you guys know if pay phone bill and Astro entitled for the weekly cashback promo? I did 3x around 3-4am but habuk pun tarak. All different bills. Statement shows Monday

This post has been edited by beLIEve: Oct 23 2018, 07:05 PM

Use how many cards also can. But it follows IC. So end of the day, 1 IC max = $50.

Worth trying. You'll have to FD first and pledge later. Here's the problem - you won't be able to take out the FD 1 year later and will be stuck at current board rate, unless they decide that you don't need to pledge anymore. At board rate, you'll lose about $90 year from year 2 onwards. Not sure if it'll show up on your CCRIS or if it will drag down your credit score.

Edit :
https://www.pbebank.com/pdf/Banking/faq_efd.aspx
24. Can I use the placement under PB eFD account as collateral for pledging purposes?
No.

https://www.pbebank.com/pdf/Promotions/tc_g...savers-eng.aspx
7.15 Any placement made in the 50 FD under the “50 FD Campaign” is not allowed to be pledged for any overdraft / cash line facility-i, / any other facility or financing.

So, most likely you can't. You can try find out though. I just assume if 1 campaign cannot, others also cannot.

Thanks. I got mine (not sure when, but was between the time I asked and now).

This post has been edited by beLIEve: Oct 24 2018, 07:20 AM

Expert here said add lower tiered card should not be a problem. Your intention is to get the card + give business to agent or just to get the card?

Wah so realistic. Banks want to fight see who has more card members instead of cards issued?

BTW, you're the expert I was referring to (I don't take credit) 😋

If you know or in a position to make back the money like jkngo did, it's definitely worth it.

Otherwise just get a family member who qualifies to sub to you. I've read the trick is to separate the statements. I think that's easier and $2000 limit also enough already.

Good luck bro.

How many banks' cards are you holding? I think mine was smoother because public bank is my first application in 10+ years. No hassle at all. Thought was going to fail since Hong Leong rejected mine a few years back.

haha like this I still have buffer for more banks.

Seriously? I hope it's because of the generous cash back. Otherwise, wouldn't it be easier to just try another bank?

I think the PIN is for first use. Somehow, I didn't have to PIN with my Quantum Visa on first use.

You need to check out public bank's site and see what they say

My experience is a lot of credit card processing people don't know and don't care what they are doing. They even went beyond what is required in the form. If ringgit+ is not able to proceed with your application, just apply directly to public bank yourself.

This post has been edited by beLIEve: Oct 26 2018, 04:15 PM

Direct apply qualify for Barry Smith or myr 288 shoppee voucher if you spend 150 on each card.

Then u don't qualify for Barry Smith / myr288 promo only

As to what public bank will do, I can't forecast. You can start checking your eCCRIS or autoresponder to see if your app has been submitted.

Nope. People are dying to get their cards. If there's 1 bank who don't need to retain it's credit card customers it is public bank.