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

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mbpdroid
post Aug 20 2018, 03:46 AM

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My PBB Quantum application got rejected. I thought it would be a cinch to get a approval apparently not. Does opening a savings account only a month ago with idle usage can contribute to the rejection?
mbpdroid
post Aug 20 2018, 03:51 PM

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QUOTE(SKY233 @ Aug 20 2018, 08:48 AM)
how many credit cards do you have currently? hmm.gif
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Quite a number. Even just a few months back I applied both from MBB and HSBC, no issues getting approval. PBB reject me though
mbpdroid
post Aug 20 2018, 03:53 PM

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QUOTE(LostAndFound @ Aug 20 2018, 06:35 AM)
Savings account got zero impact on card approval/rejection, it's not a credit facility.
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Like maybe to assess on how long i've been with a customer relationship with the bank that would determine how well I qualify for a PBB card?
mbpdroid
post Aug 20 2018, 03:57 PM

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QUOTE(David83 @ Aug 20 2018, 03:55 PM)
If you want it, maybe go for pledged FD.
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Does it has to be a significant amount or if i just put in minimum amount that the bank allow would do?
mbpdroid
post Aug 22 2018, 04:52 AM

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QUOTE(beaverknight @ Aug 21 2018, 09:25 AM)
I've applied for PBB quantum cc two weeks back by sending application directly to their email but then found out public bank has rejected my application when I called cs to check last week.
Then I reapplied thru ringgitplus but with similar documentations, submitted on last Tuesday. How long does it usually takes to accept/reject ones application ? And what are the probability of me getting rejected again? Lol really wish to get the card.  sad.gif

P/S: I've fulfilled the annual income requirement to own the card.
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Is it possible to reapply so soon after getting rejected? Thought have to wait 6 months? Yeah I applied for quantum cc as well two weeks ago via pb online application form and send it to their card services email. Got rejected in the end. Let me know the outcome of your application via RinggitPlus
mbpdroid
post Aug 22 2018, 12:21 PM

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QUOTE(Michael_Light @ Aug 22 2018, 08:22 AM)
For me reapplying serves no purpose... your cc application get rejected because your criteria doesnt pass the minimum score requirement. The bank officer have a set of SOP in processing the application... Its not easy for the credit officer to override the decision by the system. In fact for some bank, they actually penaltise your "score" for frequent application within short period of time because its a sign that you need money and your financial condition is not good... Good luck. smile.gif
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What score are you referring to? Internal to the bank?

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