better raise and get the adjustment cb first

we already know this since Jan lor

not yet emotionally ready?

what's your current available CL?

the credit limit is there for a purpose, which is the allowable limit you can spend using the card

if you over-spend the available CL (not the total CL), technically card issuer (Public Bank) would block that transaction.

however, cc has overdraft/overlimit feature that allow minor allowance past your CL. some banks may impose certain fee, some give certain % allowance, some may block.

for each your respective bank (public bank and maybank, in your case), contact them to enquire some info

1) does your card allow over-limit? or block immedately?

2) any fees for over-limit?

3) any specific % or RMxx for over-limit?


if you reluctant to call the bank and still want to proceed, do at your own risk. or try ask merchant to accept multiple card payments (from pbb and maybank cards which you are having available CL)

online form is rigid, pass/fail based on fixed value (ie income)

you can try submit via email or thru branch, at least human staffs can review first.

if you have other supplemental documents to boost your income, do share to them for their review consideration. the more the merrier, and it gives the bank some confidence of your income generating abilities.

no harm trying again.

then nothing much can be done further

yep no issue with that cuz zcity is using department mcc.

previously can use PiB MC yo buy tng pin from zcity too.

how much car service?

can look at it differently.... maybe can go tomorrow and hope to get it posted after 1 June. at least it will be statement-ed on 1 July, and payment due by 21 July

announcement on 24 Jan 2022, supposed to be effective 16 Feb 2022

actual effective starting since 27 Apr (posting date)

PB Visa Airlines Privileges [ PBB | T&Cs ]





5X airasia points with Super Travel Sales [ PBB | T&Cs ]





**revised date to Dec 2022**

Birthday Special 0% Flexipay Plan for PB Visa Credit Cards [ PBB | T&Cs ]



This post has been edited by cybpsych: May 31 2022, 07:05 PM

which pib card?

for PIB Visa Plat, get now, reap the rewards asap lol

if can reap PIB MC Plat, even better. if got other better cards > PIB MC, use those cards first. PIB MC as spare, if you willing to pay the SST. else if too stingy, ignore PIB MC entirely.

announcement, no. If yes there would be many countless chatters here

This post has been edited by cybpsych: Jun 1 2022, 10:37 AM

adoi, frequent users here knows very well to immediately call CS for sst rebate!

got charged on Feb, but asking now, kinda waste. it does imply that you "accepted" the sst becoz already continue using it since Feb.

if you call immedately after noticing the sst, bank would consider to grant you a rebate for retaining your loyalty to them justification is stronger (of course subject to your past year's usage too, not un/under-utilized)

This post has been edited by cybpsych: Jun 1 2022, 03:49 PM

Apply, Spend and Earn Amazing Rewards with PB Visa Credit Card [ PBB | T&Cs ]





PB Visa Privileges by MYEG [ PBB | T&Cs ]





Shopee Dad's Special with PB Visa Credit Cards [ PBB | T&Cs ]

norm

try recheck again next week. usually already processed by then.

just wait for the sms.

where do u think the card draw the money from?

slow for you doesnt mean pbb is categorically 'worse than rhb'

have you called them back again to check status?

just wait lor

my last pbb card (mco time), took about 2 weeks to approved.

you dont tell them the reason(s), they wont know WHY from you.

without knowing WHY, how would they react? improve? revise?


with more reasons that goes with cancellation, they could work out different strategy or new/revise product features in the future.


yes, you are not obligated to tell either. up to you lor.


we want pbb to give us better or relevant card features for us.