EON Bank also got some similiar restrictions

huhu..last time i applied PBB credit card, i hold 5 cc (5 issuers) & i was rejected also...
but now my new hsbc amanah gold just been approved....so, is that mean my chance of getting PBB cc now even lesser ?

This post has been edited by he-sham: Jan 19 2009, 02:16 PM

Yup coz the more cards u own, the more liability u have...

EON bank I hav no problem wor.....
My EON MC plat application approved and get the card within a week.

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Added on January 19, 2009, 3:18 pmI really not sure about this, but PBB is the only issuer who denied to issue me cc in my life.

This post has been edited by RockIron: Jan 19 2009, 03:18 PM

Weird, that's what I was informed by their Senior Management or maybe your exposure still managable

On the other hand, I have no issue with PBB

PBB is pretty pick on giving credit cards. They like to verify this and that and this and that. They think twice. Its not recommended to get credit card from them. EON bank seems to bit okay on the other hand on issuing credit cards !

I submitted my income proof,income tax receipt,bank statement,other bank FD cert,other issuer plat cc with many years vintage and whatever they request.
My income is more than enough to qualify, even the officer and branch manager oso surprise my application being denied.
I also went to BNM to get my credit report and the advisor of BNM told me my record is excellent and should be able to get any credit facilities from any credit institution.
Maybe luck problem...........
Will wait for the branch manager reply. Hope it will be good news........

RockIron,

May I ask how many other issuer plat cc you submit to PBB for their reference ? Just 1 or 2 ? or ALL ?

Hi prasys,
Yup I agreed with u. PBB is very strict in issuing cc, get this info from a lot of people.
They hav rights to reject the application although the person are qualify for it.

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Added on January 19, 2009, 5:16 pmHi cute boboi,
I submitted my HSBC Visa plat(member since 2004),Maybank Visa plat(member since 2002),Citibank MC plat(member since 2005). All of them single CL very close to 6 digit. I attached all my cc statements as well.
Heavy usage, never late payment and fully paid every month.
Still they denied my application......

Perhaps I m not the type of customer PBB like?????


This post has been edited by RockIron: Jan 19 2009, 05:16 PM

Hey There

Yeah. I've people that I do know who are working PBB , saying that its very hard to get a good credit score from PBB. These people take a bit of long time to process your application. Many people didn't get through it - i am not sure how they process. Do you have many credit cards. I sense that PBB doesn't like a person who carries many credit card. Usually PBB doesn't do a lot of credit card roadshows

Oh , for other banks such as HSBC , maybank. Its easier to get a credit card once you have a credit card from other credit institution/bank

RockIron,

If you plan apply again, try to submit just one CC for reference. Unless they ask or scrutinize the detail CCRIS from BNM. Sometimes, too many may not be 'good'.

He...He...He... I like to collect plat cc,it's my hobby.
I hav 21 plat cc in hand up to date.(all active)
Looks like its hard for me to obtain PBB cc other than I hav to cancel certain of them.
I hav no late payment and paid in full every month.
Never owe any bank or any credit institution a single cent.
My BNM credit report is excellent.(told by the BNM advisor)

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Added on January 19, 2009, 5:35 pmOK. Thanks for the idea cute boboi.

Anyway I will wait for the branch manager reply bcoz he help me to appeal by writing a letter to the card centre head.

Again, thanks bro......

This post has been edited by RockIron: Jan 19 2009, 05:35 PM

looking at your case, looklike i'm long long way from getting a cc from PBB......huhu...

but why they put the requirement so low ??? haihh PBB....stupid marketing strategy la....if like that dont bother to promote your card la or just put "our cc application only by invitation".....wasting time people to apply...

"BatuBesi",

Worse case, just terminate most of your current CC, retain 1-3 cards actively use, then apply the rest first. Once got it, reapply those cancelled.

Hi he sham bro,
Dun b angry lar.....
PBB hav rights to approve/reject our application although we are qualified for the criteria they required.
It's more interesting if hard to get, isn't it?????

Never mind lar..... Can try again next time.
By the way u still hav other cc's to use mah, or ur hobby oso collecting cc?????
Relax..........

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Added on January 19, 2009, 5:59 pmWahahaha..........."BatuBesi", I like this name.
Never mind lar, the worst I just transfer my FD from other bank to PBB.
Then it's a guaranteed approved cc instead of normal application.
Still prefer normal application........ Maybe it's on the way coz the branch manager help?????
Everything can happen, it's hard to say........

This post has been edited by RockIron: Jan 19 2009, 05:59 PM

for those despreate i already said before... get ambank card... all u need is just FD..

How low? What credit limit do you think they will give for first-timers with anual income between RM 30k - RM 40k?

I prefer Maybank because my salary is paid to my Maybank account, so easier for me to make CC payment. If I applied for CIMB, I have to go to their branch / pay RM 2 interbank charges.

I'm working in Dell.

What do you mean by confirmed? My probationary status has been lifted?

3 months? Their website say only 2 months.

usually u can get at least rm4-5k cl.

do try with others bank as well.

most of the time,3 month salary slip will be better reference

maybe ur records were too great, no interest PBB can charge u, so they rejected ur application!

I was rejected the first time by MBB, so I managed to get DA with a very nice CL (more than 3x my salary at that time). More than a year later, I applied for MBB again and was approved with lower CL than DA (a bit more than 2x salary at time of application).

Checking with my colleagues who got MBB as their first CC, their initial CL was less than 2x monthly salary, even down to 1.2-1.5x for some cases. Some of their MBB CL is not yet 2x monthly salary despite working for a few years and still only using MBB.

You can try your luck with both MBB and CIMB, it's free to apply.

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Added on January 19, 2009, 11:49 pmThis is a very good point, since he submitted his monthly statements from other banks, PBB already knows that they're not going to make any money off him except for basic merchant fees. Not worth their time at all to consider further.

This post has been edited by charymsylyn: Jan 19 2009, 11:49 PM