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

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kelissa
post Aug 27 2020, 02:37 PM

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Any way to find out reasons of rejection from PB? My income is way above the requirement of PB QC but got rejected. Called CS but they said no reason was given by the management.
If I apply from other banks would they reject also since already got rejection record from PB.
kelissa
post Aug 31 2020, 08:24 PM

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QUOTE(alandhw @ Aug 27 2020, 02:40 PM)
CCRIS report healthy?
Every bank will have different evaluation standard, PB reject doesn't means all others bank will doing the same.
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Didn't check yet. Need to find time go BNM office to get the first time pin. Thank you for reminding about ccris.
kelissa
post Sep 15 2020, 09:30 AM

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QUOTE(alandhw @ Sep 1 2020, 08:24 AM)
I have visited to BNM two week back and found the CCRIS Kiosk has temporary move to Menara Bumiputra Commerce.

user posted image
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Now I know why, problem is no credit history I think. No loan no CC before so bank cannot assess me. Any tips to get my first card approve in this kind of situation?
kelissa
post Sep 15 2020, 09:48 AM

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QUOTE(GrumpyNooby @ Sep 15 2020, 09:31 AM)
Normally you are encouraged to build credit history and apply a credit card from the bank where your drawing salary goes into.
The chance of approval is higher.
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QUOTE(LemonJane @ Sep 15 2020, 09:40 AM)
If you can give documents to support a salary/ regular income source, you can still be considered for your first cc. You may get a low credit limit to start with. 
Do check that you meet the bank's minimum income requirement
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Strange as it is, my salary goes to my PB account. Maybe through online application it's hard, I have to go to bank and apply directly from there.
kelissa
post Sep 15 2020, 02:19 PM

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QUOTE(cute_boboi @ Sep 15 2020, 10:40 AM)
Submit as much income documents as possible, even if they request 1-3 months payslip, give ALL these:
- 6 months payslip (basic wage should be consistent and high enough to meet requirement)
- EPF statement (monthly tally with payslip)
- EA form (tally with the payslips)
- Income Tax receipt (tally with payslips + EA form)
- Employment letter (tally with payslip + EA form) and also shows how long you have worked in current company.

The CC team does not have access into your same bank salary account. If possible, submit this bank statement also during application so it tally with your payslip as well.

The first CC is always the hardest.
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Thank you for the guidance. the CC callcenter person told me to try again after 6 months. Hopefully then it could be approve.

QUOTE(droidyeah @ Sep 15 2020, 12:14 PM)
Do we have any cc agent here base in k.l.? I would like to apply for cc
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I think better apply directly from banks and not through 3rd party websites or agent. You may be temted with the free gifts but you never know what will they do with all your personal data.

QUOTE(alandhw @ Sep 15 2020, 12:26 PM)
My first credit card was from OCBC, which is not my salaried bank.
I guess big banks assessment are rigid, you may try with those not so famous bank.
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Ya, but not so famous bank you hardly find CC with free annual fee, which is one of the thing I look for.
kelissa
post Sep 8 2022, 08:45 PM

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QUOTE(leonardchin @ Sep 8 2022, 08:00 PM)
Dear Valued Cardmembers,

Kindly be informed that effective 1 October 2022, the card features of PB Visa Signature, PB Quantum Mastercard and PB Quantum Visa Credit Cards will be revised.

The table below depicts the changes:

Card Type(s)                Revised Card Feature(s)
PB Visa Signature              3% cash rebate on grocery, dining and online transactions with minimum RM100 per transaction, capped at RM30 per monthly statement cycle
PB Quantum Mastercard 2% Cash Back on overseas transactions with minimum RM100 per transaction, capped at RM20 per monthly statement cycle. Overseas transactions will not earn VIP Points
PB Quantum Visa        2% Cash Back on contactless transactions with minimum RM100 per transaction, capped at RM20 per monthly statement cycle

Please contact our PB Card Services at 03-2176 8000 or email at custsvc@publicbank.com.my if you have any queries.

Thank you.

https://www.pbebank.com/Announcement.aspx?qid=3581#q3581
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What a suddent end for cb. Looks like have to cancel quantum, and I got Maybank Amex only for cb purpose.

 

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