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!

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".

This post has been edited by LemonJane: Jul 4 2019, 11:17 AM

Looks to me PBB has no shortage of customers. I wonder what's its rejection rate if approval is taking so long. My AEON took a week plus, my OCBC 10 days, PBB 20 days already since appeal and moving into the 4th week. I kind of think it's waiting for the next CCRIS update.

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!

This post has been edited by LemonJane: Jul 10 2019, 02:10 PM

I'm speechless!
I reported here few days ago that after all the waiting, I finally got an SMS telling my application for Quantum has been approved. Today on a Saturday, I received an email to tell me my application has been rejected!
I sent back an email immediately to ask if this could be a mistake. I called the bank and the voice message was my application has been approved!
I checked my CCRIS report and the notation of "Approved by FI" is still there.
Any one has experienced this before?
This is really frustrating. I hope it is a mistake alright. What sort of people work at PBB?

This post has been edited by LemonJane: Jul 13 2019, 09:08 PM

Yes I did but I was made to wait for too long so I hanged up. I'll try again tomorrow. Who knows things may turn out right again tomorrow!

I've got good news. Got to speak to CSA a while ago he said I had 3 applications altogether, one approved and 2 rejected. Why multiple applications I don't know but I did appeal against the first rejection so maybe it's counted as another fresh application.
I was told my card has been sent and I should be receiving it this coming week.
😊

What do you know? I receive my card today! after activating it and setting my pin, I followed the steps here to link the new card in pbe.
I did these steps first as I thought it looked simpler :
PBe > Account > PB Card > Add Card but it didn't work.
So I tried these :
PBe > Profile Maintenance > Manage Profile > Add / Delete Account
And yes, got it.
I'm really glad to be able to join the PBB family.

This post has been edited by LemonJane: Jul 15 2019, 07:56 PM

Many overseas merchants don't require OTP. So these would not qualify for cash back with PBB then

Not just Taobao, say phone bill & insurance overseas

This post has been edited by LemonJane: Jul 19 2019, 11:44 AM

Really? I spent RM1,300 online hoping to get the luggage set. Aiya now I need to spend more

I just checked up on the terms and conditions. Para 18 says:

For the purpose of this Campaign, “retail transaction” means the purchase of any goods
or services (local and overseas) with the use of the PB/PIB Credit Card and may, at
Public Bank’s discretion, include any PB/PIB Credit Card transaction as may be
determined by Public Bank except for the following transactions but not limited to:
a) “Flexipay” AND “Zero Interest Instalment Plan” monthly instalment payment.
b) Balance Transfer
c) Auto-Debit & Recurring Payments
d) Payments for utilities, direct marketing, insurance premiums, government related
payments or payment via www.pbebank.com
e) Any refund, disputed, unauthorized or fraudulent retail transaction
f) Cash Advance / Cash Withdrawal, quasi cash, casino transactions, interest payments,
late payment fees, finance charges, annual fees, reversals, payment to charity(ies)
and any other form of service / miscellaneous fees.

It doesn't exclude online transactions. Did CSA give correct information?

This post has been edited by LemonJane: Aug 1 2019, 03:07 PM

I have spoken to a CSA. He said online transactions for utilities, insurance and "direct-marketing" items such as Cosway(but why?) are not included. Online transactions of air tickets, Lazada are included.
Looks like different CSAs have different interpretations of what is "retail transaction".

Yeah right, must be system.
I got my card last month with RM25 tax charged on my statement on 15/7. I then SMS to participate in the luggage set promo using code PBWG xxxxxxxxxxxx BFIVE.
Spent RM109 at the shops and RM 523 for a hotel booking online. I just checked and I saw RM25 credited back on 31/7. So I think my online hotel booking does count towards the minimum retail transaction total of RM600. I did spend another RM668 for insurance payment but I assume now that it is not counted.
Keeping my fingers crossed.
Has anyone that has got the luggage set tell if you got notified by PBB about getting the luggage set?

This post has been edited by LemonJane: Aug 2 2019, 11:30 AM

I was in that situation when I applied for Quantum Master, first time with PBB. My credit score was good as I always paid on time and I met the income level well, yet I got rejected. I asked for the reason of rejection and all I was told was "management decision". I asked if the bank could reconsider, the CSA so kindly said he would put in an appeal request for me.
Meanwhile, I paid extra towards all my cards before the month-end so that my CCRIS report would look better i.e. lower utilisation rate. I got the approval message around 10th of the following month when the status of a few of my cards were uploaded on CCRIS.
You can try doing what I did. Don't despair and be patient. I guess PBB cards are so much in demand that any thing in your application that they don't like they simply put aside.
I applied direct. I don't know if it is any different from applying via Ringgit Plus.

This post has been edited by LemonJane: Aug 7 2019, 03:43 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.

Guys I have just got my first Quantum Master card statement. I have a RM30 cash back bonus, I have points earned (called "Vacation Indulgence Point") and I successfully requested for zero % flexi-payment for a transaction > RM1,200. I'm impressed. Should have applied for this card long ago. The CSA said there's no restriction on the number of flexi transactions I can request for as long as it's within my credit limit. There will be a RM100 for early settlement - but of course I won't let early settlement happen! I forgot to ask just now regarding my luggage set free gift which I think I should qualify.
Now what is this Vacation Indulgence Point? What can I use it for?

This post has been edited by LemonJane: Aug 17 2019, 01:50 PM

What's on 1/9/2019 with PBB cards?

Ok thank you. I have just checked, dining will no longer qualify for the 5% cash rebate for my QM, luckily on-line purchase still does.

Re: zero % flexi payment, Kelvin's example here was that he requested for conversion of RM1.5k spend before statement was out, and told no need to pay on statement due date.
My case was that I requested for conversion only after my statement was out on 16 Aug. My request was approved for RM 1.3k (exceed RM1.2k) out of my total spend of RM1.9k. So come due date of 5 Sep, do I exclude the RM1.3k and just pay 600.00? The CSA may have told me that but I didn't hear clearly.

There's a difference between Kelvin's case and my case, as I requested for flexi payment after the statement is out.

Hope I can get answer here if not have to call CSA again.

Wait I have missed this . Do you mean zero % FPP conversion on Public Quantum cards will cost 1% from 1/12/2019 onwards?