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Credit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back
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beLIEve
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Aug 29 2018, 07:00 PM
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QUOTE(Tigerr @ Aug 29 2018, 06:51 PM) 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. Haha. You just reminded me - my branch manager or his manager did help. Still rejected. That's why I'm pointing fingers at the credit card processing people only.
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Tigerr
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Aug 29 2018, 07:07 PM
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QUOTE(beLIEve @ Aug 29 2018, 07:00 PM) Haha. You just reminded me - my branch manager or his manager did help. Still rejected. That's why I'm pointing fingers at the credit card processing people only. Haha....it helps but not always....as the branch manager did mention that it is not guaranteed but will helped as the final processing is from the people at HQ
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Tigerr
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Aug 29 2018, 07:10 PM
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QUOTE(mamamia @ Aug 29 2018, 06:52 PM) 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.. I applied PBB visa signature + the 2 Quantum cards since 10th Aug till now still no news yet. If approved, i sure kena SST b4 i take it back thru their CB.
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mamamia
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Aug 29 2018, 07:45 PM
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QUOTE(Tigerr @ Aug 29 2018, 07:10 PM) I applied PBB visa signature + the 2 Quantum cards since 10th Aug till now still no news yet. If approved, i sure kena SST b4 i take it back thru their CB. So need to pay RM25 x 3
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coolguy99
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Aug 29 2018, 07:48 PM
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my application was rejected. damn sad.
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jiaen0509
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Aug 29 2018, 07:55 PM
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QUOTE(coolguy99 @ Aug 29 2018, 07:48 PM) my application was rejected. damn sad. Dont sad kay? PBB credit card processing team all old ppl. Saw your salary higher than them and then reject. haha... They rejected me too...
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matrix88
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Aug 29 2018, 07:57 PM
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QUOTE(jiaen0509 @ Aug 29 2018, 07:55 PM) Dont sad kay? PBB credit card processing team all old ppl. Saw your salary higher than them and then reject. haha... They rejected me too... if like that many people get rejected lo.........
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SUSsaboteurs
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Aug 29 2018, 08:22 PM
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Getting Started

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QUOTE(Tigerr @ Aug 29 2018, 07:10 PM) I applied PBB visa signature + the 2 Quantum cards since 10th Aug till now still no news yet. If approved, i sure kena SST b4 i take it back thru their CB. shouldnt be that long called or check via IVR?
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jiaen0509
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Aug 29 2018, 08:22 PM
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QUOTE(matrix88 @ Aug 29 2018, 07:57 PM) if like that many people get rejected lo......... haha... They strict on credit card application only. Hire purchase they cincai approve one.
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SUSsaboteurs
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Aug 29 2018, 08:24 PM
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Getting Started

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QUOTE(jiaen0509 @ Aug 29 2018, 08:22 PM) haha... They strict on credit card application only. Hire purchase they cincai approve one. but many forumers here few pages back stated approved o
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Tigerr
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Aug 29 2018, 08:34 PM
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QUOTE(saboteurs @ Aug 29 2018, 08:22 PM) shouldnt be that long called or check via IVR? Doesnt matter la. I expect them to reject me because may be they know having me as customer sure rugi one. Max out CB n max out balance transfer.
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jiaen0509
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Aug 29 2018, 08:45 PM
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QUOTE(saboteurs @ Aug 29 2018, 08:24 PM) but many forumers here few pages back stated approved o March I applied got rejected. June got my hire purchase loan approved within 3hrs after they call me and they help me apply the Petrol card 24k annual income one(They didnt tell me the help me apply petrol card, I tot is quantum) when I sign the agreement for hire purchase loan and got rejected also lagi. Ermmm. Okay la. Fine~~~ Since got SST now. Still thinking want to apply or not. Because I have Maybank AMEX+FC BARCELONA already. This post has been edited by jiaen0509: Aug 29 2018, 08:46 PM
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beLIEve
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Aug 29 2018, 09:24 PM
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My Quantum was approved but Signature that I applied 3 weeks later rejected. No biggie, since I can try Hong Leong for the 3rd time and pay $50 SST for the $200 cashback or just try the Maybank 2 cards for long term use. GenXYZ says Maybank 2 Amex is the best cash back. I'm getting bupkis for the few hundred bucks I spent on groceries the past 2-3 moons. This post has been edited by beLIEve: Aug 29 2018, 09:48 PM
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SUSsaboteurs
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Aug 29 2018, 09:47 PM
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Getting Started

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QUOTE(Tigerr @ Aug 29 2018, 08:34 PM) Doesnt matter la. I expect them to reject me because may be they know having me as customer sure rugi one. Max out CB n max out balance transfer.  wa.. no wonder banks afraid u ... i think as long they did not decline u still have chance.. maybe they re considering
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beLIEve
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Aug 29 2018, 10:08 PM
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Haha my application also approved.
Morning : called to expedite Late noon : rejected Nite : approved
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jiaen0509
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Aug 29 2018, 11:09 PM
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QUOTE(beLIEve @ Aug 29 2018, 10:08 PM) Haha my application also approved. Morning : called to expedite Late noon : rejected Nite : approved U-turn? Where did you submit?
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beLIEve
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Aug 29 2018, 11:15 PM
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Application by phone to their Customer Service. Told them I just got the Quantum a month ago, can help request for Signature with the same details without filling up the form all over again or not.
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Tigerr
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Aug 29 2018, 11:18 PM
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QUOTE(saboteurs @ Aug 29 2018, 09:47 PM) wa.. no wonder banks afraid u ... i think as long they did not decline u still have chance.. maybe they re considering The problem is one month delay, i lost earning (50 x 4)+ 30 + 38 = 268 free money.
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SUSDavid83
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Aug 29 2018, 11:27 PM
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QUOTE(beLIEve @ Aug 29 2018, 11:15 PM) Application by phone to their Customer Service. Told them I just got the Quantum a month ago, can help request for Signature with the same details without filling up the form all over again or not. Can be done? I remembered they asked to fill up and return the Card Upgrade Form.
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beLIEve
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Aug 29 2018, 11:43 PM
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Branch told me to fill up the form again. I tried my luck with CS and they said they'll submit for me. I think anything can be done. Credit card processing people approve or reject is a different story.
After SST, there'll be less application. So I think they're just being lenient pre-SST.
I didn't ask for upgrade. I told them additional card (because Quantum doesn't give cash back on groceries).
Branch also told me shared credit limit. And I told them, if Public Bank is not charging me each time I change my credit limit, I want to reduce mine.
This post has been edited by beLIEve: Aug 29 2018, 11:45 PM
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