Ok just sent the email. Hopefully the necessary action is taken ASAP. Thanks for the advice

This post has been edited by beaverknight: Nov 5 2018, 06:12 PM

Actually you just need to goto a branch and fill up the PDPA form. Every now and then, for some reason, they ask me to fill up the form again. There was once a teller quickly check the marketing field for me, so a few days later, I asked them to print out for me again so that I can stop it.

Only thing I'm unsure is whether you need to do it at your home branch or any branch will do. Normally, the "louder" your voice is, the easier you get things done. Email should be fine, though it will depend how fast they can process it vs their actual form.

Actually once you sign Yes to the so called usage of personal information, you can safely say those who wants the data will get it regardless you write to PBB, but at least one known source shutdown. Ever notice your mailbox, social media, apps all have the same Protection Act but you still got called for so many package be it holiday, medical tourism, hotels, insurance etc. The best is nowadays even got from Will Writers, and I am not even middle aged yet . So just be prepared to decline politely. Sorry for OT

This post has been edited by samuraix79: Nov 5 2018, 07:09 PM

tax...rm125

I doubt banks would do that. They've no reasons to help other businesses make money with your data.

Them spams are probably from other sources. Most likely illegally obtained data. There was once I threatened a big real estate developer with PDPA to reveal their source of my contact, but obviously, they're not disclosing it. They opted to stop spamming me instead (they know most M'sian won't bother to take further actions) and I didn't bother to pursue further.

I am trying to understand whether there is any relationship between opting out of marketing purposes and success in credit card application.


Let's assume that there are two credit card applicants. They both have exactly similar annual gross salary, healthy debt service ratio and clean CCRIS records. The difference is that one of them states in the credit card application form, to opt out of internal marketing purposes / 3rd party marketing purposes, while the other applicant checks 'yes' to marketing purposes.


Will Public Bank and other banks choose to reject the credit card application for the applicant who opts out of such marketing purposes? After all, the banks cannot cross sell other banking products to this applicant, so this applicant is perceived by the banks as less likely to generate profits to the banks.


This scenario can just seen as some sort of a conspiracy theory, and I have no proof to substantiate this claim. Anyway, it is just my gut feeling. Hopefully, some experts can shed some light in this matter, so we can get correct information in this matter.

I have some concern that saying no to marketing purposes may slightly decline our chances of getting credit cards and housing loan, but I can be wrong by the way.

This post has been edited by kart: Nov 6 2018, 07:43 AM

PB is very weak in cross-selling and not aggressive in telemarketing. Also PB CCs are not popular.

You may not have caught on to the earlier discussion where a member mentioned about a telemarketing call received.
I responded by giving a tip to protect personal data protection by highlighting a clause that can be found in a cc application form.

Approval for financial products are granted by banks after screening the customer of their financial records/capabilities using various tools and internal assessment for worthiness. Very clear the bank would need to know whether the customer would be able to have the financial abilities to pay if he/she uses their financial product. Even though a "good rated" customer opted out of internal marketing purposes / 3rd party marketing purposes, it wouldn't impact the rating as the customer ratings model are not based on such.

I don't know where did you derive your conspiracy theory to begin as if you talk to a banker, they'll laugh it off. Can you provide documented proof as to where this idea came about ? Not keen on any "I heard from so and so .." or anything as such. Even a theory will start from somewhere even though from a fool's heresay.

This post has been edited by hye: Nov 6 2018, 08:23 AM

I get where Kart is coming from.. Conspiracy theory or not, I believe he has a point. It may not apply to PB or to all banks, but I reckon that there's some truth in it. Legally, as he says.. As outsiders, we can't prove such, so getting documented proof of its existence where it's being practiced will be hard.

It's just like the recently implemented social points system in China. Where individuals are also rated by a social score and not just finances. Who they are married to, etc.. For extremely privacy conscious folks like me who only has a Facebook account strictly for family usage and locked down.. No Instagram, Twitter, snapchat, pinterest, etc profiles.. Never used them.. Surely, the scales will be tilted in favor of the more "socially accepted" applicant.

Malaysian credit evaluation model are still very much based what customer's history and ability to pay.

Understand that in China it is possible to do so because there's no (read:zero) protection of your personal data privacy. Your personal data is pretty much available to anyone that is able to source and capitalise on it. It is not surprising that some enterprising organisations build credit worthiness models based on these criterions and a lot of other desirable and non desirable effect happens due to such. We are not in China thus don't apply such model here if it is not happening as so - perhaps China is the only place where it can happen so where there is a political will to have the public's privacy in the hands of power while balancing economic/technological growth. Understand that if such is possible here then your data privacy (and not only personal data privacy, I'm sure) is now lost - ask yourself whether you want/wish for that to happen.

Read more my friend. Connect the dots by making proper sense out of it and not applying generalisation by not understanding the "why" behind it.
Anyway ... I will not continue to discuss this OT further. Let's move on.

This post has been edited by hye: Nov 6 2018, 08:56 AM

Malaysian credit evaluation model are still very much based what customer's history and ability to pay. The words "still very much based" doesn't not equal as 100%.. I too can request for irrefutable proof that all financial institutions follow this rule and this rule only.. But I won't as I see that's near impossible to get.. I can be reasonable..

Relax.. I'm quite well read. We aren't pointing fingers at anything.. Just discussing a POSSIBILITY.. No one says it's there. What we can't swirl ideas out in the open anymore..? It appears, you may need to take your own advice, seeing as you very quickly applied the same generalization to both our posts. FYI, if our pdpa policies and enforcement are so strong, why do I (and many others) still get spammy SMSes and even phone calls from debt collectors?.. Despite being absolutely sure I always tick or untick boxes as required to protect my privacy. This is still Malaysia, a country where rules and laws are flexed constantly.. That's a fact, so we are not far off from China. Except China is fairly open about their lackadaisical business attitudes... In Malaysia, you tick or untick ONLY makes a difference if the company does stick to an ethical backbone and all employees follow suit. Else, it's still up to their discretion to sell or not sell our data to third parties without our knowledge. Again, as OUTSIDERS, we cannot possess hard proof of such, so making police reports, etc are irrelevant.

At least, we can agree to move on.

This post has been edited by voncrane: Nov 6 2018, 09:08 AM

Yes, hye. I am very much aware that your previous post provides a useful tip on how to avoid telemarketing calls, by explicitly opting out of "Allowing the bank to use your details for internal marketing purposes / 3rd party marketing purposes." in the credit card application form.

I am sure that many of us here, me included, appreciate your useful tip. We just need to exercise our consumer right in a proper way, so that we try to minimize the misuse of our personal details and to avoid getting the unsolicited calls by telemarketers.

I am sorry that my post may be vague and subject to misinterpretation. However, I did say in my previous post that it is an unsubstantial opinion, based on my gut feeling. I do not want to mislead others in this matter, but at least your explanation sheds some light in this matter.

Back to my examples of two credit card applicants with exactly similar annual gross salary, healthy debt service ratio and clean CCRIS records. Theoretically, all banks should approve credit cards to both applicants without any discrimination.

Practically, in real life, banks are driven with objective to derive more profits from bank customers, and as such tend to favour credit card applicants who opt in to internal marketing purposes / 3rd party marketing purposes.

Anyway, I think that your explanation is good enough for my understanding, and I agree with you that we should stop the discussion in this matter. Thank you. No offence intended, hye.

The banker got tell me when I apply my loan.
MAY BE WILL Get 2 CC card due to housing loan with them.
Another 2 CC card is for opening bank account and save a xxx amount of money.
At first,she said maybe you not get it maybe will got .
Mana tahu all approve
I cancel the extra 2 cc which came along with housing loan,left quantum & debit card ONLY.
The banker who pass the cc to me also shock see so many cc at the same time
I also shock during that time~

Thanks kart & voncrane for an engaging discussion.
Keeping the discussion healthy and not to the point of bickering about it. And yes, no offense to anyone.

Well, if you are not interested should stop them from applying. Luckily you have cs cancelled almost all.

Anyone managed to transfer flexipay from visa quantum to mastercard quantum before?

beside need to dial phone to call CS for SST matter, is pbb having something like FB messenger or Pbb online live chat those kind of thing?

nope. old school style.

Just got my week 9 and 10 cash back credited into my account after appealing.