oh 1 card only?

Can I combine VIP points from VS n Quantum cards to redeem Gift voucher? My VIP keep on expiring cos difficult to accumulate to 7000 for individual card to start redemption.

This post has been edited by MGM: Jul 26 2019, 03:33 AM

Cannot combine.

Thanks

Hi can i know how do you get the RM 38 Cash back?

The CB cap for VS is RM38

my third rejection applying Public Bank CC since 2017.

funny thing is, other banks Ambank, HSBC, AEON and SCB all approve my applications.

been applying PBB VS and Quantum master thru ringgitplus, anybody knows a different easier option?

why compare with others? each operate itself, not like they are sharing the same algo or rules to approve


skip the middle-men. apply direct.

https://forum.lowyat.net/index.php?showtopi...post&p=93390927

Personally I find that public bank is the hardest to apply..

My application approved within a week....

I failed twice on VS XD

will skip the middle men and try directly next month.

thanks Cybpsych and tan_aniki

applied directly with PB?

could it be because of we hold to many CC's ady.

No, probably i'm poor man

I tried include bonus which exceed the annual income requirement also failed

I hav hsbc, hlb, cimb, mbb, aeon, std chart, citi and amb credit card. They rejected my cc applications 3 times. But they approve my HP. I think they have assessed unsecured loan differently with other bank in which too much credit exposure will lower yr rating even u did not use that credit

Previously I had a reject (first application for VS) due to needing to include bonus to be over the threshold (that time was still 100k). On appeal was accepted. But that was direct apply, not through middleman.

Mine also direct apply since i already have Quantum

ahh so you have Quantum already. Really strict and hard, other banks usually will just approve your application for additional cards and combine their credit limits.

last time i applied Quantum rejected. applied VS also rejected.

so have none PB CCs

for the Quantum Maastercard No Annual Fee
Free for Life. Annual Fee Waiver for Life for both Principal Cardmembers and Supplementary Cardmembers.

is there any min spend or swipe to be entitled for the No Annual Fee?