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Credit Cards Public Bank Credit Cards V6, PB Visa Sig 3% & Quantum 2% Cash Back

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IzaakC
post Jul 4 2019, 09:25 AM

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QUOTE(LemonJane @ Jul 4 2019, 08:26 AM)
My appeal-application since June 19 for Quantum is still "pending documentation".  I called today and was told no further documentation required, just waiting for decision.  I actually paid extra for my other credit cards to make my CCRIS look good.  No choice but have to wait - the 12 month zero % instalment is the feature I'm going after.

I can also see the "pre-approved" credit limit of RM50,000 of "pending" application on my CCRIS report.  Hopefully it does not get shrunk to RM5,000!
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Just wondering how did you do the appeal-application?

In my application earlier, they put my "pre-approved" credit limit as RM50,000 as well. However, upon approval, this will change according to their valuation
IzaakC
post Jul 4 2019, 02:59 PM

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QUOTE(LemonJane @ Jul 4 2019, 11:13 AM)
I was rejected at first - they called it "cancel".  When I called to speak to the CSA, I asked for the reason but he would not tell.  He then said he could put in an appeal for me, and nothing I needed to do.  And since then the status has been  "pending documentation".
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My case was they offer me gold card instead, but I call it off as gold card doesn't suit my spending style.

Sigh. They say no to my asking for appeal. Really bad luck for me. Pb Quantum rejected; CIMB call to offer CB Platinum card, but duno why also rejected
IzaakC
post Jul 5 2019, 12:07 PM

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QUOTE(zenquix @ Jul 4 2019, 03:22 PM)
if constantly rejected need to review your CCRIS and income statement
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Checked CCRIS, only got education loan, nothing else

DSR less than 10%..... rclxub.gif

Is the income statement means the LHDN one?

This post has been edited by IzaakC: Jul 5 2019, 12:11 PM
IzaakC
post Jul 10 2019, 05:30 PM

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QUOTE(LemonJane @ Jul 10 2019, 02:09 PM)
Guys, after 4 weeks' wait,  I have finally received an SMS approval for my Quantum card.  My ECCRIS report now shows a credit limit of RM40,000 , reduced from the previous RM50,000.
I'm now on board the PBB family to enjoy the card benefits. Happy!
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Congratz. I'm gonna reapply mine next month since I just got my increment this month

brows.gif
IzaakC
post Aug 7 2019, 04:42 PM

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Will a canceled application affects my next application?

Previously my income not reaching their min req for quantum, they offer me gold card but I turned down the offer by cancelling the application.

I received increment recently and planning to reapply for quantum cards.

all these occurs within 3 months.
IzaakC
post Aug 7 2019, 04:50 PM

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QUOTE(cybpsych @ Aug 7 2019, 04:44 PM)
proceed lor, should be fine
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Wokayy. will drop their cs an application soon.

Just afraid got an instant reject which makes my ccris looks bad hahahaha
IzaakC
post Aug 7 2019, 05:21 PM

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QUOTE(LemonJane @ Aug 7 2019, 04:52 PM)
Your increment since 3 months ago?  Then try. 
If it's just last month, maybe wait till you have 3 months' pay slips on new pay level to make your case stronger.
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1st month after the increment. Previously the CS told me 1 month is enough, as long as it shows the new number.

But different CS always give different answers... and I forgot her name else might be able to send directly to her
IzaakC
post Aug 21 2019, 09:13 AM

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This is strange.

Applied Quantum on 6/8,
called IVR on 13/8 says pending for documentation,
called IVR on 17/8 says application unsuccessful,
Received SMS on 21/8 says application successful.

Was expecting to ask for appeal but anyhow, I dont need to do it anymore whistling.gif
IzaakC
post Aug 21 2019, 10:00 AM

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QUOTE(ClarenceT @ Aug 21 2019, 09:27 AM)
Quite common for PB's systems/procedures. Not strange for me already.

Sucessful -> yes successful but can be conditional.
Unsuccessful -> can be overturned and ended with higher limit/margin!
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I see. Gonna get used to it from my side sweat.gif

Since I do not own a PBe account, what I need to do is open a new basic saving account at PB to link the cards with the account right?
IzaakC
post Aug 21 2019, 10:31 AM

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QUOTE(rojakwhacker @ Aug 21 2019, 10:11 AM)
Forget to add, for no pb saving account only. As i experience before no pb saving account but could not add the card my self. It show error message. So i proceed to bank branch. But after having public bank saving account. Then i can add the card my self. Maybe every pbe account have different configuration.
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QUOTE(CardNoob @ Aug 21 2019, 10:14 AM)
As I said I have no CASA also.
My PBe account is created online w/o going to the branch.
Then, my Quantum cards are viewable from PBe.
When I added VS, I wasn't aware of the two methods and I paid a visit to the nearest branch to add it to PBe.
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Thanks guys. Will try to create one online PBe account when after I have gotten my cards later.

Just noticed the online account registration form is parked under document list which I have skipped reading doh.gif


QUOTE(jefftan4888 @ Aug 21 2019, 10:16 AM)
Slightly more than 14 days. Out of their target.  sweat.gif
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Do you mean I am out of their customer target or their KPI to keep processing within 14 days?

unsure.gif
IzaakC
post Aug 21 2019, 11:17 AM

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For collection at bank branch, do they inform you via call or sms when the cards are delivered to the branch or you just drop a visit and ask them instead?
hmm.gif

QUOTE(rojakwhacker @ Aug 21 2019, 10:33 AM)
Yours 14 days still fine. But mine more than one month plus sweat.gif
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Woah so long blink.gif

Do they have a limited timeframe to process the application? I noticed that PBB is one of those banks that took a super long time to process

IzaakC
post Aug 21 2019, 12:15 PM

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QUOTE(rojakwhacker @ Aug 21 2019, 11:38 AM)
Collection at bank branch, they will inform you by sms but maybe take longer time. For me, i dont want to wait so just call to confirm ready for collection then proceed to bank branch.

limited timeframe to process the application: Not sure. According to bank branch agent, the card process from head quarter may be fast or slow depend on the whether to meet card target or something like KPI. My case, i apply during holiday season that is why slow. hmm.gif
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Right. I shall call them to confirm if it's ready for collection as I am impatient to wait for another sms again biggrin.gif

I see. My past experience with Maybank was super fast. Applied through m2u, gotten approval the next day and received the card the day after approval. Maybe because I used their Yippe account since young & change to conventional account after 18 yo. sweat.gif
IzaakC
post Aug 22 2019, 09:07 AM

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QUOTE(Lingohal @ Aug 21 2019, 05:31 PM)
I collected from branch the third working day (Fri) after receiving the approval sms (Tue). The date on the envelope stated that it was received by the branch on the next day (Wed) after I received the approval sms. The sms for me to collect only came the following week (Tue) after I have already collected my card.
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Great. I will drop a visit to the branch and ask if my card already arrives tomorrow rclxms.gif

IzaakC
post Aug 22 2019, 02:16 PM

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QUOTE(IzaakC @ Aug 22 2019, 09:07 AM)
Great. I will drop a visit to the branch and ask if my card already arrives tomorrow rclxms.gif
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Just gotten my cards. Wondering how I pay the credit card bill if I dont have a CASA in Pbb...

Actually I have a rough idea:

1) Got to any other online banking you have, press new interbank transfer

2) Choose recipient bank, put stateamount, name of card holder & account number (card number)

3) Choose credit card payment as transfer type.


Appreciate if anyone could enlighten me. Thanks

This post has been edited by IzaakC: Aug 22 2019, 02:20 PM
IzaakC
post Aug 22 2019, 02:22 PM

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QUOTE(rojakwhacker @ Aug 22 2019, 02:17 PM)
You can login to other bank online account and pay from there.

First time paying credit card bill? hmm.gif
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First time paying credit card bills for bank other than those I have CASA in. laugh.gif
IzaakC
post Aug 22 2019, 02:30 PM

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QUOTE(rojakwhacker @ Aug 22 2019, 02:25 PM)
I dont know what bank saving account that you have. But can login to those bank that you have and choose payment or fund transfer and select public bank as recipient and enter credit card number (as bank account number). then enter amount and start to pay. If unsure, can always pay small amount to test water first.
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QUOTE(ClarenceT @ Aug 22 2019, 02:26 PM)
You never use IBFT/IBG?

FYI if you use PB's Cash Deposit Machine to pay, service charge - 50 sen.
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Thanks for the clarification. Now I know for sure thumbup.gif

Previously I transfer to the bank with cc, then use pay from cc page
IzaakC
post Aug 22 2019, 02:36 PM

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QUOTE(rojakwhacker @ Aug 22 2019, 02:34 PM)
You are right that can only happen if bank of credit card and bank saving account is of the same bank. But if different bank then use ibg/fund transfer like sifu ClarenceT said. thumbsup.gif
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Thankiu sifu-sifus notworthy.gif

Now I learnt more. hehehe

This post has been edited by IzaakC: Aug 22 2019, 02:37 PM
IzaakC
post Sep 17 2019, 10:49 AM

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The new app stuck at select authentication method.. It shows no option for selection. Aduhai.

I'm using Honor Play.
IzaakC
post Oct 8 2019, 08:55 PM

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Anyone facing problem with the new Pbe app? When I try to login, after choosing 3 security question, it says I need to have a registered phone number or secure token to proceed...

Problem is, I do not have CASA with PBB, and I cant seem to find the option to register the number on Pbe website as well...


IzaakC
post Oct 14 2019, 02:44 PM

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21/9
3% @ RM490



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