I think VS is not part of the promotion, unless there are other promotions that I'm not aware of? Or they changed the T&C. I remember a few cards, probably those listed below, are not eligible.

6. Eligible Cardmembers must apply for both PB/PIB Visa and Mastercard Credit Card (this
clause is not applicable for PB Visa Signature Credit Card / PB-Petron Visa Gold Credit
Card / PB-AIA Visa Gold Credit Card / Mutual Gold-PB Visa Platinum Credit Card).


First come first serve from Monday to Sunday every week. Each transaction must be at least MYR60. It's Monday now, the first day of the week. You can try. Remember you need to SMS to register.

This post has been edited by beLIEve: Aug 27 2018, 09:56 PM

bro thesoothsayer, that VS response was not meant for you.

Looks like I'll be the very first to pay SST for credit card.

Application still being processed and tomorrow is the last working day before SST.

Lucky you. Maybe you'll get your SMS tomorrow.


I did that too. They just tell me they forward the request to credit card dept. I guess everyone is doing that to save 1 year of SST. Whether the credit card dept do something about it is a different story. Think I'll just cancel my application if I don't get anything tomorrow.

They expedited my request by rejecting my application

I think I'll wait a bit before I try other banks. See if any new promotion to cover the first year SST. I'm existing card holder, so I don't get the goodies for new card holders.

This post has been edited by beLIEve: Aug 29 2018, 04:29 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

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

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.

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.

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

Haha my application also approved.

Morning : called to expedite
Late noon : rejected
Nite : approved

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.

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

Just checked my PB online, new card is there already. SMS haven't come in.

You will like my attitude more had you knew I wrote to Hong Leong's Country Manager last time (and he did respond). I don't fancy filling up the long form and giving out all my details only to get my application rejected when it's their staff who asked me to apply.

I think so. Card numbers already out, deemed issued. I think you can even use it on sites that don't need the CVV2 thingy.

I got my e-statement 1 day after the statement date. You can try check PBe.

https://www.msn.com/en-my/money/topstories/...EcqN?li=BBr8Mk9

Under the Service Tax (Rate of Tax) Order 2018, Lim said RM25 will be charged for each principal credit card or charge card on the date it is activated or the date it is renewed, and every time the card is renewed.

I think/hope I've activated mine on PBe by setting the PIN. At least, I think I've done what I could without the physical card. Or hope that report is wrong. Whoever have PBe, I think better try activate it online.

hmmm thanks for the tips. Not a hard core credit card user, so I didn't know that.

I suppose only places that still accept cards without a PIN could pose a problem?

thanks again bro.

No la, I didn't activate it for SST. I thought adding in the PIN to make it safer while I wait for it to arrive. Today only I saw the SST thingy. I think people can still argue about issuing date vs activation.

I think Public Bank don't have this feature. My first use at Ikea for the Quantum, they just wave only without needing a PIN.

Your advice would be good for others

Once the card is approved, it's available on my PBe online. I think I clicked Add card, then I can set the PIN. Then it's available along with my existing PB cards.

one is renewal (you get a replacement card every 5 years) and one is activation (new card). No?

This post has been edited by beLIEve: Sep 1 2018, 12:26 AM

The promo says spend 150 on each card. Unless you want to sacrifice the bags/voucher in exchange of saving $25 + spending $150？

This post has been edited by beLIEve: Sep 1 2018, 06:00 PM