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Credit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back

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SUSDavid83
post Aug 22 2018, 12:33 AM

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QUOTE(AtMostFear @ Aug 22 2018, 12:32 AM)
just found out about this website. seems like the transaction is not instant, need to wait for email confirmation..or maybe because I'm using BP  :confused:

anyway new VS user here..PB should mention we can just create the user ID for pbebank account at ATM machine..wasted time waiting for my turn to see their customer service at the branch.

now I'll have to do exercise every Monday morning.
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Actually you can create PBe account online too.
Somebody shared the link few days ago!
rhodon
post Aug 22 2018, 12:59 AM

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first time using the Spend Now 4 More Cash Back , swipe 3 times more than RM60 on 15 July, how long does it take to get the cash back?

This post has been edited by rhodon: Aug 22 2018, 01:02 AM
BeastX
post Aug 22 2018, 03:14 AM

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QUOTE(rhodon @ Aug 22 2018, 12:59 AM)
first time using the Spend Now 4 More Cash Back , swipe 3 times more than RM60 on 15 July, how long does it take to get the cash back?
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July 15....too late for week 2...

you have to swipe from Monday of the week....from July 16.... for week3

You'll get the cash back... in around a month.... case-point: Week 4, spending from 23July, CB in 21Aug.
mbpdroid
post Aug 22 2018, 04:52 AM

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QUOTE(beaverknight @ Aug 21 2018, 09:25 AM)
I've applied for PBB quantum cc two weeks back by sending application directly to their email but then found out public bank has rejected my application when I called cs to check last week.
Then I reapplied thru ringgitplus but with similar documentations, submitted on last Tuesday. How long does it usually takes to accept/reject ones application ? And what are the probability of me getting rejected again? Lol really wish to get the card.  sad.gif

P/S: I've fulfilled the annual income requirement to own the card.
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Is it possible to reapply so soon after getting rejected? Thought have to wait 6 months? Yeah I applied for quantum cc as well two weeks ago via pb online application form and send it to their card services email. Got rejected in the end. Let me know the outcome of your application via RinggitPlus
coolguy99
post Aug 22 2018, 08:03 AM

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QUOTE(mbpdroid @ Aug 22 2018, 04:52 AM)
Is it possible to reapply so soon after getting rejected? Thought have to wait 6 months? Yeah I applied for quantum cc as well two weeks ago via pb online application form and send it to their card services email. Got rejected in the end. Let me know the outcome of your application via RinggitPlus
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It took two weeks to get a reply? I just applied over the weekend, hoping to get a reply soon
SUSDavid83
post Aug 22 2018, 08:06 AM

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QUOTE(coolguy99 @ Aug 22 2018, 08:03 AM)
It took two weeks to get a reply? I just applied over the weekend, hoping to get a reply soon
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PBB is kind of slow.
Michael_Light
post Aug 22 2018, 08:14 AM

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QUOTE(coolguy99 @ Aug 22 2018, 08:03 AM)
It took two weeks to get a reply? I just applied over the weekend, hoping to get a reply soon
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It took me 3 weeks to get my quantum card approved (receive sms confirmation). The cards then arrive my house few days after received the sms. So you might want to wait more patiently.
Michael_Light
post Aug 22 2018, 08:22 AM

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QUOTE(mbpdroid @ Aug 22 2018, 04:52 AM)
Is it possible to reapply so soon after getting rejected? Thought have to wait 6 months? Yeah I applied for quantum cc as well two weeks ago via pb online application form and send it to their card services email. Got rejected in the end. Let me know the outcome of your application via RinggitPlus
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For me reapplying serves no purpose... your cc application get rejected because your criteria doesnt pass the minimum score requirement. The bank officer have a set of SOP in processing the application... Its not easy for the credit officer to override the decision by the system. In fact for some bank, they actually penaltise your "score" for frequent application within short period of time because its a sign that you need money and your financial condition is not good... Good luck. smile.gif
rhodon
post Aug 22 2018, 09:04 AM

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QUOTE(BeastX @ Aug 22 2018, 03:14 AM)
July 15....too late for week 2...

you have to swipe from Monday of the week....from July 16.... for week3

You'll get the cash back... in around a month.... case-point: Week 4, spending from 23July, CB in 21Aug.
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oooh. ok. thanks
beaverknight
post Aug 22 2018, 09:19 AM

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QUOTE(mbpdroid @ Aug 22 2018, 04:52 AM)
Is it possible to reapply so soon after getting rejected? Thought have to wait 6 months? Yeah I applied for quantum cc as well two weeks ago via pb online application form and send it to their card services email. Got rejected in the end. Let me know the outcome of your application via RinggitPlus
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QUOTE(Michael_Light @ Aug 22 2018, 08:22 AM)
For me reapplying serves no purpose... your cc application get rejected because your criteria doesnt pass the minimum score requirement. The bank officer have a set of SOP in processing the application... Its not easy for the credit officer to override the decision by the system. In fact for some bank, they actually penaltise your "score" for frequent application within short period of time because its a sign that you need money and your financial condition is not good... Good luck. smile.gif
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I'm not quite well aware of these kinds of "hidden rules" setup by banks, sweat.gif just wanted to get the card though haha. I just called cs earlier and stated my application is currently "pending for documentation", what does this mean? Does it means they are processing my application since I did sent in the necessary documents when I applied?
Ramjade
post Aug 22 2018, 09:19 AM

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If my QVC not activated, it's it counted?
beaverknight
post Aug 22 2018, 09:21 AM

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QUOTE(Michael_Light @ Aug 22 2018, 08:14 AM)
It took me 3 weeks to get my quantum card approved (receive sms confirmation). The cards then arrive my house few days after received the sms. So you might want to wait more patiently.
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That's a big contrast compared to MBB which only took less than a week for me to get my cards. doh.gif
cybpsych
post Aug 22 2018, 09:21 AM

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QUOTE(Ramjade @ Aug 22 2018, 09:19 AM)
If my QVC not activated,  it's it counted?
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counted as what?

QUOTE(beaverknight @ Aug 22 2018, 09:21 AM)
That's a big contrast compared to MBB which only took less than a week for me to get my cards.  doh.gif
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you cannot compare 1 bank with another. each works differently. each has its own internal scoring, review policies, etc.

This post has been edited by cybpsych: Aug 22 2018, 09:22 AM
Ramjade
post Aug 22 2018, 09:23 AM

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QUOTE(cybpsych @ Aug 22 2018, 09:21 AM)
counted as what?
you cannot compare 1 bank with another. each works differently. each has its own internal scoring, review policies, etc.
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Counted towards SST.
Also when is SST starting?
shmily86
post Aug 22 2018, 09:31 AM

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QUOTE(shmily86 @ Aug 20 2018, 01:34 PM)
unable to top up B** P** with my credit card this morning on 9.35am & 10.06am.

After key in OTP but it load very long time then it say there was an error.

If I want to check online, view unbill tx, normally 2morow aldy posting?
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QUOTE(OKLY @ Aug 20 2018, 01:47 PM)
If you got the OTP and you key-in and click submit then chances are bank already process the payment but the merchant did not pick it up only.

I contacted bank PBB earlier and they confirmed that it went through. You can also call them to double confirm your transaction.
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QUOTE(monoikhwan @ Aug 20 2018, 03:11 PM)
Happened to me as well, but in PB statement it showed 6 transaction.
Checking again just now shows BP statement is already well reflected.
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BP credited back to me yesterday night, quite satisfied but they CS really lousy leh, can't direct talk to talk by phone, email also no reply. blush.gif

This post has been edited by shmily86: Aug 22 2018, 09:34 AM
cybpsych
post Aug 22 2018, 09:35 AM

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QUOTE(Ramjade @ Aug 22 2018, 09:23 AM)
Counted towards SST.
Also when is SST starting?
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interesting. you really dont know about SST? hmm.gif

unless govt says otherwise, the current arrarngement still stands. rmcd very slow, i'm still waiting for the act/pua/industry guidelines.

about your quantum visa. it would be counted, eventhough unactivated. sst is imposed to per card issuance, not per activation. best is to terminate it if u want hassle-free. since you already gotten the card, likely wont get charged this year. it would get charged on next anniversary.
Ramjade
post Aug 22 2018, 09:48 AM

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QUOTE(cybpsych @ Aug 22 2018, 09:35 AM)
interesting. you really dont know about SST? hmm.gif

unless govt says otherwise, the current arrarngement still stands. rmcd very slow, i'm still waiting for the act/pua/industry guidelines.

about your quantum visa. it would be counted, eventhough unactivated. sst is imposed to per card issuance, not per activation. best is to terminate it if u want hassle-free. since you already gotten the card, likely wont get charged this year. it would get charged on next anniversary.
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Bro I leave work at 6am and come back at 10-11pm. No time for papers. Or reading news on phone.
Will only cancel once SST is in force.

This post has been edited by Ramjade: Aug 22 2018, 09:49 AM
cybpsych
post Aug 22 2018, 09:53 AM

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QUOTE(Ramjade @ Aug 22 2018, 09:48 AM)
Bro I leave work at 6am and come back at 10-11pm. No time for papers. Or reading news on phone.
Will only cancel once SST is in force.
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if really not using, yes can cancel. else, cancel it when near next anniversary.
SUSDavid83
post Aug 22 2018, 10:36 AM

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I just heard the news on the radio.
CST is a go and won't be considered in the exemption list.
stargate8
post Aug 22 2018, 10:53 AM

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CST or not, i dont mind paying if the card itself giving good CB

dont save a penny loose a pound, rm25 annually is still cheaper compare to last time rm50

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