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.

Definitely check PBe on daily basis.

check PBe

Actually if I were to assess myself, I think sure can qualify no problem, but nowadays pbb do stuff very “robotic”, I can feel if they see no complete 6 months comm they will terus reject, forget about my fd, high annual income tax statement & good record of my ccriss.

Cause you are giving full documents for sure no problems, my case is I have only 3 months latest comm statement and they require 6, bt my annual income is 6-figure. Most of the banks prefer employed people, if anything you guys still got EPF to backup.

even 11am+ is not safe  assuming the trend continues, subsequent weeks would face similar and worsen each week.


try do your swipes just before your normal wakeup time for work. e.g if wakeup time is 7am, wakeup 1hr earlier to do the swipes.

or if you're a vampire, should be issue doing swipes in wee morning 

I quit if I need to play at vampire hours.

reported 11am window gone.

no info for 10am window.

OMG! This is like sikit-sikit go to branch.
PBB branch is not a lot like MBB and CIMB.

Very hard to get pbb card? I basically apply once and get platinum years ago and signature this year. But for mbb i only manage to get after 5 attempts over 3 years 

So I forever no need to change password?

Why they didn't tell me to do together last time when I went to branch to tie my VS to the existing PBe?

Here's the error message when I want to request for PAC:

So you cannot change password too?

wa u guys so crazy, reload at mid night, I just complete mine around 720 no glitch at all.

BTW any one have this problem, use master card but PB gave cashback to visa card.

I thought they credit the cash back based on the card you register for the promo.

Cannot, it says something like I have not registered for PAC yet..