Okey, thanks for the info

Anyone can help?

yes it goes through for most banks because they rely on One Time Password rather than CVV. I think only RHB validates the CVV.

So technically no point in keying the correct CVV? Then why they even ask?

Because the gateway doesn't know if a bank validates the CVV or not. It just sends everything to the bank.

Maybank does validate the CCV.

Hi all,

Want to ask, recently I applied loan mortgage with PBB. They required me to sign up for credit cards.
If I received them and does not activate, do I still need to call up to cancel?
And would there be any consequences?

Thanks in advance.

As far as I remember, few days ago I cincai put in CVV and got through. I'll observe again the next time I use my Maybank cards online.

To be precise, I don't think there's such a thing as "required". the 2 products are unrelated.

This said, if you applied for some good cards that many had been trying hard to get, keep them. Might not be easy to get public bank cards.

To answer your questions, yes, you need to cancel them if you don't want them. Otherwise you risk theft and paying SST.

This post has been edited by beLIEve: Feb 15 2019, 10:45 PM

Yea, that's what I thought too. But I was told that they applied special rate for me by saying that I am gonna apply for their credit cards. Anyway, it's been done.
But, can I ask another clarification on the SST? I get confused from some of the replies on this forum.
Some says even without activating, I will be charged SST? So, it's like even if I am not using the card, the bank will charge me SST for holding on to a card?
Therefore, upon receiving, I must call up to cancel?

Erm, will it in any way affect me as like applying for a card but canceling without even using? like kena blacklist or something?

*Cause i already had Maybank 2 Cards, and not a heavy user.. Seems like a lot if I had to pay another RM50 SST charge for the additional PBB 2 cards.

I doubt they'll give any special rates for your loan in exchange for applying for credit cards. They're giving gifts like <$300 for new customers not taking loan from them.

For public bank, question about activation should not arise. When you receive the cards, you'll see that they're "pre-activated".

I don't know blacklist or not. If you only reapply after a few years, I don't think they'll feel that you're messing around. If keep applying and cancelling then maybe yes.

My suggestion is, cancel the non-amex card (use the reason SST) and keep one of the public bank cards. Then you have credit cards from 2 banks. Higher total credit limit and 1 bank backup the other.

This post has been edited by beLIEve: Feb 15 2019, 11:40 PM

Wow. Thanks so much for the advice. Appreciate it!

Thank you!

hi all, anyone using pbb visa infinite or worldmaster? i initially choose worldmaster bec of ppl, n pbb send me both. i will reject one since both are quite similar, any suggestion?

Anyone get the cash back using Shopee recently ?

for my experience, who ever make a loan especially house loan, bank will auto give them credit card.
there is no such thing given special rate and gonna apply for credit cards.


ya.. recently applied visa cc from pbb, when collect, got the master also, i cancel it coz sst applied on each card, 12 swipes per year also apply to each card. for me not good to hold so many cards, if i manageable , i rather use debit cards.
Debit is rich , credit is poor. simply only my own thought. no offence ya.
now i left maybank 2 card mastercard (amex cancelled) and pbb visa card.

This post has been edited by x88yunkw: Feb 16 2019, 10:19 AM

Hi all, will paying cukai tanah through Johor online Payment (JOP) entitle for cash back?

There are many rich sharks in this section who are still using CC. Just saying. Don't keep thinking CC is for users to collect debts and use future money. If you know how to play well, people are earning hundreds of cash back every month and some get free flight tickets every few months. What significant benefit will you get from debit cards?
Only traditional thinking CC users will have such mindset as yours. Yeah, no offence.

Guys i am working in oversea .....then this pbb keep offer me CC coz i got both housing loan and hire purcahse loan with them

But after fill in form submit all the item they suddenly need me to put FD with them coz no EPF as i work in oversea.

My question is if i put FD then after i get the card can i just withdraw the FD out straight away lol ?

This post has been edited by cofin: Feb 16 2019, 12:45 PM

No. The FD is basically to secure your card and its credit limit, once you withdraw means your card has no more limit and will be cancelled.

Oh thanks .....then no point to taking up the card

Coz i ask them if i put RM50k would i get credit limit RM50k they say no ....max cap only RM7k

Now my siblings sub me a supplemenntary card also RM65k just that i cant check how much i swipe on the supp card each month need the principle to inform me

This post has been edited by cofin: Feb 16 2019, 12:50 PM

Maybe PBB is different, for MBB FD amount is the CL.
As for PBB supp to check transactions, I think it was shared few posts earlier. You can open a basic savings account and link your supp card to it.