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 Public Bank Credit Cards V5, PB Visa Sig 6% & Quantum 5% Cash Back

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LemonJane
post Jun 18 2019, 09:52 PM

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I put in an application for Quantum Master 2 weeks ago. Last week the status reply was that application was pending documentation. I called to ask what additional documentation were required and I was told there was none pending. Today the status reply said my application has been cancelled. What does that mean? Does it mean my application has been rejected?
LemonJane
post Jun 18 2019, 10:02 PM

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QUOTE(alexanderclz @ Jun 18 2019, 09:55 PM)
means your application has been cancelled. maybe you can talk to CS why it has been cancelled?
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Yes I tried call. Have left a call-back message since this afternoon.
LemonJane
post Jun 19 2019, 09:39 AM

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QUOTE(LemonJane @ Jun 18 2019, 10:02 PM)
Yes I tried call.  Have left a call-back message since this afternoon.
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I was told that the application has been rejected. But I can appeal so they will take a re-look. Hopefully they will grant approval
LemonJane
post Jun 19 2019, 02:45 PM

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QUOTE(sms2u @ Jun 19 2019, 01:59 PM)
u can try to appeal, they can up front reject u or will help u.

but, they will never share with u the reason why  rejected.
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The guy I spoke to at PBB says he would put in an appeal for me and that I needed do nothing. At least it wasn't an outright no and you are right, they would not tell you why. Just said it was the management.

This post has been edited by LemonJane: Jun 19 2019, 02:45 PM
LemonJane
post Jun 20 2019, 01:18 PM

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QUOTE(LemonJane @ Jun 19 2019, 02:45 PM)
The guy I spoke to at PBB says he would put in an appeal for me and that I needed do nothing.  At least it wasn't an outright no and you are right, they would not tell you why.  Just said it was the management.
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I checked my status today and the message is: your application is in process. So back to the beginning, keeping my fingers crossed. Meanwhile I paid to check my credit score on Ctos and I have a score of 715/850, which shouldn't be bad for a card from PBB.

LemonJane
post Jun 20 2019, 03:18 PM

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QUOTE(IzaakC @ Jun 20 2019, 02:45 PM)
PB CS called and told me my application for Quantum is not successful as I do not reach the min requirement income... Tried to appeal as I was 2k short from reaching their min req of 36k, they offer to give me gold card instead...

PBB really so strict mehh..
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You mean PBB called you and told you your application was not successful and they told you the reason? Did you apply through an agent?
I was thinking if my appeal is still not successful I may want to apply through an agent.
LemonJane
post Jun 20 2019, 05:17 PM

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QUOTE(IzaakC @ Jun 20 2019, 04:09 PM)
He no longer working in banking industry  mega_shok.gif

Yeah. the subjectiveness is what I kind of hoping for to get the approval. I only serve PTPTN loan for now, which I did timely payment every month. So I thought the chances for me to get approved are quite high... manatau kena slap on the face pulak.  whistling.gif
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I have CIMB cash rebate card. Used to be good when it's a 5% cash back for online transactions, although capped at RM30.00 a month. But it was removed some time ago. Online transactions earn normal rebate of 0.02% only nowadys.

Anyway if you are offered another PBB card, there's no harm taking it I suppose. After you build a good record with them, you can always reapply for Quantum.

As for me, my status has now been changed to "pending documentation".

Does PBB call or SMS an application success? Or you always have to find out yourself?
LemonJane
post Jun 21 2019, 11:59 AM

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QUOTE(kelvinlzy @ Jun 20 2019, 09:46 PM)
It's 0.2% for online and other retail transactions. Anyway off topic already.
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Right it's 0.2%. My mistake
LemonJane
post Jun 21 2019, 10:19 PM

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Wow looks like PBB cards are really tough to get

This post has been edited by LemonJane: Jun 21 2019, 10:19 PM
LemonJane
post Jun 22 2019, 08:54 PM

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QUOTE(sailou @ Jun 22 2019, 03:47 PM)
Guys, what is the current best promotion for applying Quantum? Joining the band as cb are slashed elsewhere.
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I'm applying for Quantum for the 12 months zero % payment for retail spend of RM1,200+. I used to be cash rebate driven in applying for new cards but now think that zero interest should be more beneficial. Right now PBB is giving away luggage set as promo gift for new application.

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