My HLB & PBB plat cc application still under process after nearly 2 months.
Dun know what happen to my application???

Already call their CS and check.
Reason not short of documents or anything, just still under process. Other info they will inform by letter.
I oso dun know why?????

Agreed. I know a friend with classic cc CL 250k.
He downgraded his plat cc to classic but the bank still maintain the CL.

If someone hold 6 or more cc from other issuer, PB will straight away reject the person application.
If u apply PB before u have 6 cc from other issuer, chance to approve will be higher. Get this info from one of the PB branch manager.
Anyway PB cc very strict on approval. Myself also have issue with PB cc, the only cc issuer that denied my cc application in my life.

Hi GHz,
I think ur situation not same with me, u already hold PB card and it is an upgrade instead of new application.
My PB plat cc application thru the PB branch manager which he wrote a letter to PB card centre head regarding the problem I m facing still under process. Already about 2 months, call their CS they only can see it,s still under process.
Hope they can reply me soon......

Even my request of Amex plat charge card are approved recently but PB denied me 2 times before.

This post has been edited by RockIron: Mar 11 2009, 10:43 AM

consider 2 different issuer.
They provide different CL as well if u apply both.

Yup,comfirmed Ambank got CDM machine.
Currently using Ambank cc.

Received call from PB card centre today.
They still unable to approve my cc application due to their internal policy(they can't approve cc for a person who hold more than 6 cc from other issuer)
They told me to cancel my existing cc to 6 issuer and wait after 6 month,then they can approve my application.
What a stupid policy....................
Looks like my collection will be without PBB.

I m not a fresh user of cc. All the cc I hold has at least few years of vintage.
I never owe any financial institute a single cent,always paid in full for all my cc usage before due although my usage are heavy.
Also,I do submit my income proof and income tax receipt to them, at least few times above their annual income requirement.
Just can't accept their so call internal policy.
Never mind, the worst I open FD account at the bank and apply for cc secured by FD.

It can be normal policy,but only apply to PBB.
Bcoz other issuer I hav no such problem.

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Added on March 12, 2009, 8:15 pmHi brother,
CIMB WMC and SCB visa infinite is coming soon,this 2 no problem.
For MBF WMC and RHB visa infinite, wanted to apply but they only available by invitation. I dun think they open for normal application rite?
If they open for application,sure will apply.
Just the PBB, @#$%$#@^&*$%^!


This post has been edited by RockIron: Mar 12 2009, 08:15 PM

Hi jack2,
It's my hobby to collecting cc lah.
Same if u collect stamps and u miss a series, how will u feel???
I m not showoff I hav a lots of cc or what but just my hobby collecting them......

Hi brother,
Wish u good luck.

Hi,
Since u ask then I will list it but it's just for sharing and not showing off ya..... It's personal hobby and interest.......
I plan to take down photo to share but my collection not yet done,so still need time.
1)Alliance Bank Visa & MC plat(Generic)
2)Ambank MC plat(Generic)
3)Citibank MC plat(Generic)
4)CIMB Visa & MC plat(Generic)
5)CIMB Petronas MC plat(Co-brand)
6)EON Bank MC plat(Generic)
7)HSBC Visa plat(Generic)
8)MBF Visa & MC plat(Generic)
9)Maybank Visa & MC plat(Generic)
10)Maybank Petronas Visa plat(Co-brand)
11)RHB Visa & MC plat(Generic)
12)SCB Visa & MC plat(Generic)
13)UOB Visa & MC plat(Generic)
14)Amex plat cc(Generic)
15)Amex plat charge card(Generic,2 cards)

Coming soon CIMB WMC & SCB Visa Infinite.

[quote=GHz,Mar 14 2009, 04:18 PM]
You still missing Bank Islam Platinum Card.

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Added on March 14, 2009, 4:46 pm

Hi GHz,
Still miss of PBB,HLB & OCBC.
Bank Islam wont apply due to it's not under my choice and collection.
For non-muslim can apply Bank Islam cc?

Hi,
It's only my hobby collecting cc, I m not a cc approval proffesional anyway. PBB denied my cc application recently,it's the only issuer that denied my cc application in my life.
But I can share my experiance to u and hope it helps.
Look for CIMB,Ambank,MBF,UOB,RHB,SCB. They r deperate to expend their cc members volume nowadays. Mayb it's more ezy to get approval from them.
Citi,HSBC,MBB has stricter cc policy compare to other issuers, they usually target on other issuer's cc holders for longer vintage of membership.
I hav no problem with Alliance Bank,1st time application already approved. The CL given also surprised me,it's higher than the cc I used to pledge the application.
cc approval sometimes depend on ur luck,it's hard to judge which issuer ezy to approve ur application.
However,keep good repayment record is the most important thing for cc. It'll affect ur future cc applications.

Anyway,wish u good luck.

This post has been edited by RockIron: Mar 15 2009, 11:36 AM

Some banks such as Ambank accept other credit card at least 6 months old (Ambank write this in their application form). I do not know about RHB but 12 months credit cards not really necesary.

[/quote]

Yup,agreed.
PBB also stated they accept pledge cc application if u hav hold other cc for at least 6 months.
But they denied my application,even I can proof them whatever they want. Lastly,found the reason due to their internal cc policy. But Amex approved my plat charge card recently,really not understand a higher requirement cc can approved but for the lower requirement being denied.
As I say, cc approval sometimes depend on luck other than u r qualified bcoz issuer's still can denied issue cc to u without need to assign any reason.

Not me, it's brother Reventon that mentioned.
Yup,to apply CIMB WMC,existing cc with CL at least 80k-100k are needed.
Or might pledge using Amex plat charge card.

Try focus ur spending with CIMB plat cc.
Maybe a 100k spending a year might let them invite u the WMC.

Why not u apply an Amex gold charge card and keep big spending on it.
They will offer u to upgrde to Amex plat charge card if they track ur spending record, then I think u will be able to apply any cc in the market with it by pledge application.

I m not sifu but can share my experiance with u.
Other than u hav high income(but this is the fastest way to increase CL bcoz issuer always want u to proof ur income if u apply for increasing CL),huge spending,good repayment record and membership vintage might help u to get auto increase of cc CL.
Focus ur spending in single issuer and hold the cc for longer time(show them ur loyalty). I think u should get CL increase nearly every year.
When I was age of 21 few years back,my 1st cc CL only RM2k.... Today my lowest cc CL was RM45k and highest already 6 digits.