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Credit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back

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jiaen0509
post Aug 25 2018, 09:35 PM

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QUOTE(JuneResources @ Aug 25 2018, 08:01 PM)
Is it? How come bank did not automatic send me cc after I apply car loan? sweat.gif
Face problem? unsure.gif
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I got rejected also even got Car Loan. Get the car loan and the officer help me apply CC. Rejected also~~~ Happyy
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.

This post has been edited by jiaen0509: Aug 25 2018, 09:41 PM
jiaen0509
post Aug 26 2018, 10:56 AM

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QUOTE(JuneResources @ Aug 26 2018, 10:14 AM)
I don't apply car loan in Pb.. Their interest rate crazy one..
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.. whistling.gif
At least they reply you within a day.. You never see before like AM.. Today request, after 2 weeks then reply you. shakehead.gif
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I took their Hire Purchase because PBB is the first one to contact me. Called me on 4pm and approved SMS on 6pm(So surprise and efficient).
Firstly I tot got the loan with them will easily to get the credit card(saw many ppl said they offer cc to them when sign the agreement).
They help me apply too, but not successful rclxms.gif

After that I only realize how poor their service is;
1. e-Banking even worse than Bank Islam(sorry to say rolleyes.gif )
2. Customer service not line Maybank, everything can be done by call. I can say that they even dont have HQ contact, when call hotline, ask to refer branch?? Then you better close your hotline number.
3. Hire Purchase hotline cannot call. If you lucky got connected, but no one pick up hahahahahaha
4. Ask for Standing instruction for Hire Purchase payment. Due date is 11 every month, but until 11.50pm on 11st of the month still have not deduct. Refer to the Branch, they also dont know. Ask to wait on 12. icon_rolleyes.gif I dont want their stupid system affected my credit score btw so I manually pay it~

hmm.gif So I still dont know why PBB dont want approve CC application.
jiaen0509
post Aug 29 2018, 07:55 PM

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QUOTE(coolguy99 @ Aug 29 2018, 07:48 PM)
my application was rejected. damn sad.
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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...
jiaen0509
post 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.........
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haha... They strict on credit card application only. Hire purchase they cincai approve one.
jiaen0509
post 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
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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
jiaen0509
post 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
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U-turn? Where did you submit?
jiaen0509
post Aug 30 2018, 02:44 PM

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QUOTE(beaverknight @ Aug 30 2018, 11:21 AM)
PBB CS so busy these few days, call multiple times all unavailable.  bangwall.gif
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Is 365days everyday busy. Not only this few day.

QUOTE(charymsylyn @ Aug 30 2018, 01:29 PM)
Me and my friend called PBB CS separately on different days and they insisted Quantum cards cannot be cancelled separately. I don't know if this is CS problem or some of you are just lucky. Didn't want to push CS further since still got half year more before I reach anniversary month so still got time to see how things goes.
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Too many people have recently cut cards, and their skills are to keep customers.
See their recently promotion. Need apply both Visa+Master to get the free gift. haha
jiaen0509
post Sep 7 2018, 12:15 PM

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QUOTE(winbj @ Sep 7 2018, 11:39 AM)
Email pbb regarding the partial month statement cycle cash back but didnt get any reply from pbb so i just give a call to pbb cs..been told that it wont be entitled cash back for my july transaction( no july statement given) because i already use the max cash back on the month of August(1st statement on 30 August)..PBB cs is unpolite when talk to their customer! This girl rise her voice when talking with me when i want to file a dispute regarding this matter, and she said i cant file a dispute because i already use the max cash back on August..very disappointed.
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Lucky already someone pick up your call. haha
jiaen0509
post Sep 7 2018, 12:22 PM

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QUOTE(winbj @ Sep 7 2018, 12:16 PM)
Worse CS ever!
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They should receive the worse CS award. Even Bank Islam CS is better than PBB. hahahahha
If I am their boss, I will be ashamed.

This post has been edited by jiaen0509: Sep 7 2018, 12:26 PM
jiaen0509
post Sep 18 2018, 09:13 PM

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Sorry to say...Attached Image
jiaen0509
post Sep 19 2018, 12:29 PM

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QUOTE(skty @ Sep 19 2018, 11:09 AM)
anyone here has the experience of applying new principal / supp quantum card that come with visa and mastercard but cancel immediately the visa card before activation?

still need to pay the SST for visa card if do so?

thanks in advanced.
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I believe as long as the card number is generated and it will need to pay the tax.
jiaen0509
post Sep 25 2018, 12:36 PM

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QUOTE(fruitie @ Sep 24 2018, 08:03 PM)
I'm trying my luck of applying PBB cards again but this round via RinggitPlus. Not putting high hope with it but I chose the VS and Quantum cards. Let's see.

For first time application, Quantum cards need to be applied as a pair, if mine is so lucky and get approved later, I must pay SST for both right? laugh.gif

Anyway, I guess this will be my last round of trying PBB since SST is already in effect. No point for me trying to get more cards. tongue.gif
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I tried to apply again early Sept and took 2weeks to process. Rejected again. Byebye to PBB.
jiaen0509
post Sep 25 2018, 05:11 PM

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QUOTE(fruitie @ Sep 25 2018, 02:01 PM)
Haha. Actually I think mine will be rejected too.
I tried again because I wanted to use my latest salary (much higher than previously) which effected in July, collected enough 3 latest payslips to try my luck again.
If they still think the new salary is not enough to cover my commitment, then I'm OK la. sweat.gif Though I think my commitment is not high. laugh.gif
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I even have hire purchase with them and CCRIS is 0000 but still rejected. I tot SST will easy to get approval. But I am wrong haha. Btw, hope to get the good news from you.
jiaen0509
post Sep 29 2018, 10:47 AM

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lol... Several attempts to apply the Public Bank Quantum since early 2018. The application keep not successful even I got Hire Purchase with PBB.

Early Sept,2018 tried again, REJECTED too.

I am very disappointed and angry and write a long email to PBB and cc BNM on 21 Sept. Then this morning check the CCRIS and got approved (within one week). Check the status by calling the PBB and system also informed that my application been approved.

ermm... Happy to join you all~~

Forgot to tell, my approved CL is RM8k only. Is it consider less? Normally PBB how many times of our salary?

This post has been edited by jiaen0509: Sep 29 2018, 10:48 AM
jiaen0509
post Sep 29 2018, 11:00 AM

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QUOTE(David83 @ Sep 29 2018, 10:58 AM)
You should tag Ms Moderator fruitie for your experience.
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blink.gif I know she submit the application again recently who know maybe get approve later? No need tag la, I believe she will check the thread soon.

This post has been edited by jiaen0509: Sep 29 2018, 11:00 AM
jiaen0509
post Sep 29 2018, 11:53 AM

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Anyone got the rewards from 'Apply Now for PB Card & Take Your Choice Home Campaign'?

Can topup BigPay on each? When have to send SMS? After fulfill the requirement or once the card activated?
jiaen0509
post Sep 29 2018, 01:09 PM

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QUOTE(lilsunflower @ Sep 29 2018, 12:55 PM)
My PBB CL is the lowest of all my CCs even though I've owned VS since 2011.  I think the initial limit they gave me was RM30k, and I have applied for CL increases approx every 2 years, but it is now only 2.5 times my salary.  My last CL increase application was rejected, and PBB CL is generally half of all my other CC limits. I've been trying to increase it for BT purposes, but it is a very slow process.
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Because I knew MBB is around 2-3x of salary. Still new in PBB CC so wonder how they assign the CL.

Btw, thanks for sharing.
jiaen0509
post Sep 29 2018, 04:45 PM

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Can I know Quantum Master if topup Bigpay eligible for Cash Back? mean Topup RM600 to get RM30 right?
jiaen0509
post Sep 29 2018, 05:38 PM

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QUOTE(fruitie @ Sep 29 2018, 05:32 PM)
For those applied via RinggitPlus, you will also receive verification call from PBB right? Just wanna know if this verification call will only be called to those pass their assessment. For now, still no call for me.
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Akak got read my post about I got approval from the PBB CC finally...
jiaen0509
post Sep 29 2018, 05:46 PM

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QUOTE(fruitie @ Sep 29 2018, 05:43 PM)
laugh.gif Just realised, I haven't been feeling well since yesterday so didn't follow up with many threads.
Good for you and congrats! May I know for the first round of rejection, did you receive any call from PBB?
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PBB very lansi. I at least tried 5x since March,2018 until today and each time request to appeal mean 10x haha. Langsung tak penah call me to ask your work, salary bla bla bla. Maybank will still call you or email you with their personal working email.
I always check the status via my eCCRIS. Pending or disappeared if rejected.

After CCRIS pending disappeared. I call and talk to the human. They said is still process, not yet reject. and tell me CCRIS is not up to date(bulx shxt la).

This post has been edited by jiaen0509: Sep 29 2018, 05:49 PM

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