My appeal got the higher level attention while cc BNM. Got the replied from their CS Manager on 8pm(Still OT) about the outcome.

Thank you for your attention if you swimming at Lowyat and read my post.

Yeah. Received my new approved PBB credit card.
Mail drop by Poslaju.

Can PBB CC set the SMS alert to RM1 when any payment that spent over RM1 will get the SMS?

Try apply with EPF statement

Don't feel bad. Different people have different experience with different banks. Yours was good with HSBC, mine wasn't.

You're very generous. I normally have problems with banks only when they ask for docs beyond what is stated in their forms And yes, I've already read that banks need a lot of verification because credit cards are unsecured credit. I still think that the application form is a legal document and they should state their requirements clearly. Most of the time, people who takes your submission ask for more supporting docs so that people who processes it won't ask for it. It also means that they don't know if these are really required. Public Bank is good (to me) - their form stated A or B or C, I gave them A and they never ask for B and C.

I've read some banks allow using FD as collateral. I just don't remember which bank. Use that as collateral then don't need any docs.
I understand. There are also some figure that I prefer can be reduced beyond what they allow. But no, I guess they don't want that.

I went to BNM today to register for eCCRIS and took the opportunity to print my latest CCRIS (up to 31.08.18).

I saw PBB application dated only yesterday but in fact it has reached PBB on last Thursday with the status of "Pending" and with a proposed CL which is the highest among all my approved cards.

Oh well, "Pending" doesn't mean anything, it can be rejected later. Still, holding on to the last hope. *Fingers crossed*

At least now I can view my CCRIS at my convenience...

40k & 50k both I got before... haha... Maybe they enter high limit then reject.

Time will tell but the more I see how it is now, I won't get it.

One more week according to CS.

Maybe u can learn from prev forumer send them email cc to BNM.😁

Seek advise - is it odd that my application for PBB VS that was rejected did not show up in eccris at all? not even as 'pending' ?

The best news ever for today, my PBB VS card has been approved! Sunggulah terharu! Finally after almost 3 years of trying for various PBB cards.

They didn't receive any application for Quantum... Err. But it's OK, I will apply that later.

I applied via RinggitPlus, submitted everything on Monday's evening (24.09.18).
PBB CS said they only received my application on 27.09.18 and ever since that day until this morning's status was "Your application is pending for documentation". Earlier checked with CS if it's pending for any documents from my end, CS said no, just waiting for approval/rejection and asked me to wait until this Thursday.

Last Friday checked CCRIS and it showed on 04.10.18 and "Pending".

Simply tried checking IVR in today's afternoon and surprised to hear: "Your application has been approved".

That's all, I didn't do anything extra.

Just receive approval message this morning and finally after 2 times get rejected😂

RM0.00 PBB Cards: Congratulations! Yr credit/debit card has been approved. Pls allow min 3 working days for card delivery/collection depending on area.TQ

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.

Use how many cards also can. But it follows IC. So end of the day, 1 IC max = $50.
Worth trying. You'll have to FD first and pledge later. Here's the problem - you won't be able to take out the FD 1 year later and will be stuck at current board rate, unless they decide that you don't need to pledge anymore. At board rate, you'll lose about $90 year from year 2 onwards. Not sure if it'll show up on your CCRIS or if it will drag down your credit score.

Edit :
https://www.pbebank.com/pdf/Banking/faq_efd.aspx
24. Can I use the placement under PB eFD account as collateral for pledging purposes?
No.

https://www.pbebank.com/pdf/Promotions/tc_g...savers-eng.aspx
7.15 Any placement made in the 50 FD under the “50 FD Campaign” is not allowed to be pledged for any overdraft / cash line facility-i, / any other facility or financing.

So, most likely you can't. You can try find out though. I just assume if 1 campaign cannot, others also cannot.
Thanks. I got mine (not sure when, but was between the time I asked and now).

Also subject to BNM's rule, CC from 2 issuers if annual income is less than RM36k.

For PBB FD pledge......

One FD for one card

35K for VS
20K for Quamtum

You need to pledge, paid stamp duty (RM100-200++)depend on the amount you going to pledge, it will take two-four weeks to process.

I have pledge the fd 35k one year tenure for my 70 year old mother two year ago. Fd slip is with bank

Then she get one vs main card and 2 supp card for me and my wife.

Every week get rm50 cash back campaign. One month get rm50x4 and rm38x3. Total month cash back is rm314. One year get around rm 3768

Assume yearly fd rate is 3 percent. Compare to campaign rate is 4.5 percent. I lost 1.5 percent. Lost Rm525 per year.

As u mention, I do balance transfer every half year rm30k to cimb and do the fd for it again. I need to do monthly fd for every rm5000. Coz every month I need to pay back the card rm5000 for bt balance. Redo it and redo it.

For me, it worth to pledge the fd for vs but must do bt and score all the cash back.

Thanks for the info, I checked the breakdown of the charges
Stamp duty 175.00 + 0.15
Commission 5.00
Cheque processing fee 0.85
Contract 53
Cash in service charge 10.6

Total 244.6

you need seperate pledge FD for quantum and VS.

35k for VS.
10k for quantum.

Good luck bro.

How many banks' cards are you holding? I think mine was smoother because public bank is my first application in 10+ years. No hassle at all. Thought was going to fail since Hong Leong rejected mine a few years back.

wow, so many card yet so many sst next year .
Pbe before sst was hard to apply. Now got approve already after sst implementation and maybe they loose their requirement. I get my after sst festive

Your CTOS score deteriorated.
Not good if you want to raise a secured loan eg buying a property.
CC rewards only give you a very small gain in long term.

Direct apply qualify for Barry Smith or myr 288 shoppee voucher if you spend 150 on each card.