Did they removed the annual income limit for PB Visa Signature Card? Can't find the condition from their site.

its 80k

of course for QV got points la

https://www.pbebank.com/Personal-Banking/Ca...s-Required.aspx

can make use of this promotion... processing fees depends on duration/amount


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I too tried to give this number a call, and it said it has been approved

But the problem is i just applied the card on 27th August 2018 night, and supporting documents submitted yesterday. Could it be that fast??

Anyone try touch and go wallet? can get online cashback?

Maybe they rushing applications now haha, mine was under processing last week when I called. Weekend I called to CS they said to expedite, today I called up said approved. Will call again to CS to confirm.

Oops, i think system didnt help me to quote on other ppl's reply.

I was refering to this lowyat forumer post :

Haha, I have a different experience though. Posted this in the m2c thread earlier. Got my CC approved with PBB (my first CC with them) but Maybank rejected my application to increase my credit limit (not even a new CC application ), despite me being an existing MBB CC customer for years and always full statement balance payments for all CC and existing loans (including MBB!!). So CCRIS is clean. I also applied for temporary credit limit increase from CIMB (to fund a large purchase which will be paid off anyway). All 3 were done in the space of 2/3 weeks and I didn't even need to appeal to PBB/CIMB. The reason why I wanted the credit limit increase with MBB was also because i wanted to utilize their latest BT promo of 12 months 0%.

Well I know some will be able to point out some 'weaknesses in my application' if you look hard enough but yea. 'Rejected' on 1 criterion only? The funny thing is my monthly income now (not even taking into account others like bonus etc) is only a few hundreds RM below my current MBB CC limit. Even submitted my BE Form! Overall, was very disappointed with MBB .

This post has been edited by timo1003: Aug 29 2018, 05:37 PM

I think the people processing the credit cards don't really care. They still get paid approving or rejecting your application.

I got rejected by Hong Leong twice spanning 15 years. The first time was when I just started working, pay exceeding the minimum requirement for the then Silver card. I never bothered with Hong Leong since then. The second, they asked me to apply.....so it's a waste of time filling up all the long application form and supporting docs. And I have money with Hong Leong despite poor credit score (no loans).

This post has been edited by beLIEve: Aug 29 2018, 05:42 PM

Yea, sometimes it pays to 'think' before making a decision. Oh well there's nothing we can do when they have blanket discretion on these applications. And to me, no point in putting FD with them just to secure a new CC (possibly one with higher credit limit which would achieve your aim) if you can put the money elsewhere for higher interest. Just move on to the next financial institution.

Anyway, not to go OT so i'll end here.

original poster complained no cb using VS and QM, so another user asked to check VIP points.

if BP excluded from VS/QM's cashback eligiblity, then there will be increase in VIP points.


which is why your QV will always get VIP points because it has no cashback at the first place.

This post has been edited by cybpsych: Aug 29 2018, 05:59 PM

I didn't FD with Hong Leong to get a higher credit limit. I FD'd with them because they were giving the highest interest at that time

The only thing I ever asked, is to reduce the credit limit but the bank said that's the minimum already. Back then, there's no SMS verification so it's kinda risky if the card number gets stolen.

A friend who's having a big fat loan with them got some free credit cards with a big fat limit without having even to fill up the application form.

This post has been edited by beLIEve: Aug 29 2018, 06:11 PM

here's a thought: bank is assessing you alone as an individual.

even if your friend same pay as you, it doesnt mean both have the same financial scoring and assessment.

**removed, double-posted**

This post has been edited by cybpsych: Aug 29 2018, 06:16 PM

I think PBB can apply for temporarily credit limit increase too, right?

I don't disagree, though I feel some are just sleeping on the job. The credit scoring does not care whether you have money to pay back. It just checks your past records. I've already read a few articles. No credit score is as bad as bad credit score, which is ridiculous. As long as everyone agrees that, no harm no foul.

For his case, yes, big fat loans + good payback record (and of coz, he's loaded with $$$ much more than me) vs me with no loan + no record + enough money to pay for the little credit limit I was expecting. I was just expecting like 2-3k credit limit.

Either way, with all credit scores, I still read credit card debt is still worrying here.

Sometimes if the bank branch manager knows you well, they can write a recommendation letter to support u. I have helped a friend a get a loan from a xxx bank which he really not qualify anymore but with a recommendation letter, suprisingly he got the loan approved.

I don’t think PBB is that efficient for card application. MAybe u can just check with the CS instead of the IVR. the approval status maybe is for ur existing card which u have..

OK. Great. I'm glad the confusion is sorted and it appears BP still eligible for online spend CB as per normal.

Thanks for verifying info so that no panic caused.