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

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marquis
post Aug 7 2019, 09:52 AM

Flower Power!
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Anyone with good credit standing, earn more than what is required by the card, yet still got their application rejected?

I called them up to check, but the CS said there's no reason for the rejection.

I'm finding this very odd.

FWIW, I applied via Ringgit Plus
marquis
post Aug 7 2019, 10:04 AM

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Joined: Jul 2005
QUOTE(cybpsych @ Aug 7 2019, 09:55 AM)
reapply direct with pbb

submit more documentation to help support/strengthen your application
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Thanks. I guess I'll do that.

Does anyone know how long is the recommended cooldown for a hardpull?
marquis
post Aug 7 2019, 10:18 AM

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QUOTE(jefftan4888 @ Aug 7 2019, 10:06 AM)
Bad experience with RP.
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I've had another friend say this exact same thing. Anyone else? I thought they'd be big enough to be...good?

QUOTE(laymank @ Aug 7 2019, 10:12 AM)
try to reduce credit limit from other cards that you will not need high credit limit.
Then reapply again. I found doing it this way helps to raise the chances of approval.
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Hmm..Could give it a try but I'm really not desperate to get the Quantum card. Just wanted it since Maybank reduced ability to get cashback for a number of things.

---

Regarding the hard-pull...anyone got any idea? 6 months? 12 months? I know they'll see the activity for the last 12 months...How many hard-pulls can I take before it becomes bad?
marquis
post Aug 8 2019, 08:51 AM

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QUOTE(jefftan4888 @ Aug 7 2019, 10:36 AM)
4/7 - Submitted to RP
17/7 - Keep telling me they have submitted to UOB
2/8 - UOB confirmed nothing received
5/8 - Submitted to UOB directly
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I see. Thanks.

QUOTE(cute_boboi @ Aug 7 2019, 11:34 AM)
I applied via RP on 21 July. RP tried call me over several days (missed call) finally in the end I manage to pick up for phone verification.
No news from PBB so far, but I can see in CCRIS got PUBLIC status=Pending
icon_rolleyes.gif
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Let us know if it goes through? I'm gonna do another credit check in a couple of days to see what the issue actually is.

QUOTE(LemonJane @ Aug 7 2019, 03:42 PM)
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.
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Hmmm...Seems like I got in touch with a shitty CS. Or maybe applying via RP was not a very good idea.

Thanks for the input. Not sure if I wanna jump through all those hoops just to get their card. A bit peeved to be honest.


 

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