Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back
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 Aug 25 2018, 12:22 PM
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#1
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur    
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QUOTE(celciuz @ Aug 25 2018, 11:31 AM) Alamak... I'm applying for Quantum now... if it comes after Sept 1.. I don't want the Quantum Visa ._. Then sure kena one.. My predictions they need to check your details and everything at least 10 working days. The month of Sept is quite near already. |
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Aug 25 2018, 03:37 PM
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#2
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(celciuz @ Aug 25 2018, 02:48 PM) Mine actually pending quite sometime, I called up to the CS they also mentioned not sure why so long. They put a note said will get them to approve before 31/8 then no SST charges Normally you call up CS also no use. . But need to call up against next week... tsk, they said under final management approval...wonder why take so long. Bout 3 weeks or more.As you heard they mention need final management approval, you can't do anything even through you push them. Just take an easy way.. If you receive an sms been approve on Sept, then it is up to you willing to pay SST or not. If you OK for it, then just pay for SST.. If don't want, then need to call them not need send the card to your doorstep. |
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Aug 25 2018, 05:32 PM
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#3
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(ClarenceT @ Aug 25 2018, 05:07 PM) Good thing, banks will not simply issue pre-approved credit cards, especially CIMB. I never heard before "pre-approved" credit card. If really do so, I guess all ppl beratur to apply credit card already. QUOTE(mamamia @ Aug 25 2018, 05:15 PM) But, celciuz apply the card, so if approved / issued in sept, as what JuneResource mentioned,, we can call to cancel without paying sst? Is it true? Bcoz my friend also have pending application with PBB. It is subject to the bank wanna help u to absorb sst or not. Everything there is a certain terms n conditions. QUOTE(celciuz @ Aug 25 2018, 05:19 PM) Definitely worth it, but I don't want the Visa... just the QMC... if both come then -.- Just swipe rm1000 or above on that particular month, then you can earn back already. QUOTE(David83 @ Aug 25 2018, 05:21 PM) If it's approved after September 1st, just call the bank to cancel it. Yes, agree. You have the right to do so if you haven't use the card. I don't see what is the big buss over there. Do the pattern like a boss. Lol.. |
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Aug 25 2018, 08:01 PM
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#4
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(ClarenceT @ Aug 25 2018, 05:47 PM) If you have car loan or housing loan, the bank may automatically send you CC even though you never apply for CC. Is it? How come bank did not automatic send me cc after I apply car loan? Or you apply for 1 CC, but you will receive more than 1 CC from the bank (eg Quantum) Or you hold 1 CC, suddenly you receive a letter from the bank enclosed with other new CC. Quite common before 2010, and during GST.  Face problem?  |
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Aug 26 2018, 10:14 AM
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#5
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(jiaen0509 @ Aug 25 2018, 09:35 PM) I got rejected also even got Car Loan. Get the car loan and the officer help me apply CC. Rejected also~~~ Happyy I don't apply car loan in Pb.. Their interest rate crazy one..I tot got Car loan and easy to get approval for cc application. But the answer is NO!!!! They lost one of the customers. I dont want apply anymore. Really poor customer service compared to Maybank. Their internet banking is 1990year one. Really poor. After 5yrs finish my car loan and I will not choose PBB anymore seriously. Some-more need to see what car model you want to loan.. If it's local car, they don't want do the loan with yours one. Quite realistic this bank.. For me, their customer service is quite efficiency than others. But sometimes depend your "amount" inside or you spend how much. If you balance quite a lot, they serve you as king or queen.. Typically macam Singapore style one..  QUOTE(hakkai0810 @ Aug 25 2018, 10:11 PM) cant agree more on the internet banking and CS side haha. Their internet banking seems so ancient in term of design / functionality lol. Need pay own card also need click here and thr then only can be done. At least they reply you within a day.. You never see before like AM.. Today request, after 2 weeks then reply you. The CS so far is the worst among the 1 i encounter(MBB, HLB, CIMB).You call them to request 1 form at 9am, then u will get the form at 9pm   |
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Aug 26 2018, 10:11 PM
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#6
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(David83 @ Aug 26 2018, 10:58 AM) Despite all those shortfalls, they're still strongest (not the largest) bank in Malaysia. Of course... They are the most aggressive one..Check the share price! Kiasu bank.. QUOTE(saboteurs @ Aug 26 2018, 12:40 PM) Now, this makes sense! Sound like they don't focus on IT online banking.. although PBE have lousy online banking.. but for me.. customer service is efficient and my branch definitely serves me well.. thumbs up !  QUOTE(LightningZERO @ Aug 26 2018, 02:55 PM) Yes. In fact I have just called to cancel the Visa and maintain the Quantum Master. Do you dare to try sekali cancel everything card? Then sure within 24 hours you will receive call what is your reason to cancel.Cancelled Maybank Ikhwan last week as well. Both banks also did not try to make offer to retain. I guess they see I still have cards with them and just didn't bother |
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Aug 27 2018, 11:21 AM
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#7
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(celciuz @ Aug 26 2018, 11:05 PM) Cancelled 2 cards from HSBC... yeah they called up and keep asking why I don't want keep and all LOL. Then I said SST charges they kept quiet ._. So at the end HSBC don't want to absorb SST charges, is it?P.S, Sorry out of the topic.. But I also want to know coz also holding HSBC.. Their benefit nothing much value already.. |
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Aug 27 2018, 02:22 PM
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#8
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Senior Member
4,167 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(celciuz @ Aug 27 2018, 12:02 PM) Talked about SST then change topic said the card grant me access to PPL etc Oh, you are holding VS card ya.. No wonder try to change topic for access to PPL.. ask me keep the VS cause CL and not easy to approve blablablah... I count d, even the VS use 8x foreign currency charging and rebate also effectively ~2% only... might as well use FCB.Side note, baru kaotim the usual Monday exercise now where is my Quantum card  .But if you less go PPL, then you also no point to hold that card.. But if your card can transfer ownership to my name, then I'm more happy for it.  Seriously, it is not easily to get approve especially can access PPL.  For your Quantum card, you plan to cancel or plan to apply? Sorry.. forget the last previous regarding PBB for the topic. |
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