why you cancel?

GST was coming, and I thought no longer need it.

wasted. pbb is one of the best

last time yes PBB cc was useful, the best? dont know la, but at least got rebate 8% or 12% max RM100 pm, but no more since Aug 2013. Unless i miss out their current promotions ?

Now i use it only for their 0% 6m BT just to pay my outstanding before i managed to get Aeon to pay.

other than that no use to me..........The best now is HL Wise card that gives you RM100 pm, MBB AMex RM50 pm + TPoints, Watami card RM150 per quarter and finally OCBC unlimited 1% CB. PBB ranks low.....the same goes for RHB VS, now also no use already....

What bank BT is easier to get?
Also another question, most of the time I paid the minimum payment and sometimes paid more.
But I tried to apply some other CC is rejected. If I do BT confirm get?

what is watami?

pbb i long time never swipe even with the rebate. there's a rebate allocation from pbb monthly for all users.

so even though you qualify for the rebate, but if the amount allocated by pbb is used up, then also zero rebate

so you need to spend fast and even that not guaranteed. so i don't use it

Hi folks, i have swiped total amount rm1k in Feb 2014, there is no interest charge by maybank yet as the bill need to pay before 6 March 2014.

I just applied a RHB cc, if I apply the BT, and transfer the outstanding to my RHB cc, will Maybank charge me interest while I'm transferring the balance to my RHB cc ?

no charges as long as RHB pays MBB the amount on time

yes, you must be fast. MAke all the swipes early in the month.
Swipe 8x get 8% or 12x get 12%, max RM120pm.

The promo from Jan-Apr 2013, i got max RM120 in all 4 months. Then it was another (more complex spend criteria) promo May -Aug 2013, i got once only once RM100 (max) out of the 2 months i tried.

2012 Promo May-Aug i got 3 x RM100 (max) as i missed out the first month.By the time you saw the advert, it is too late to win even if you join.

The promo Sep -Dec 2012, again i missed out the first month (Sep), the other 3 months - i got RM120 max, RM120, and RM98 due to miscalculations - so rather good CB i would say, but too bad so long already still no new CB promo...........

This post has been edited by guy3288: Feb 17 2014, 06:58 PM

WTA if PBB is still offering 0% BT for 6 months?

If u were to apply a PBB cc, which 1 will you apply?

This post has been edited by joylay83: Feb 18 2014, 04:19 PM

yes . i am using it

which pbb card? i don't know since i don't use them for swipe

Bank Islam
: Plan A - 6 mths, 0% fee, 0% interest / yr, Min - RM 1k per bank
: Plan B - 12 mths, 1% fee, 0% interest / yr, Min - RM 1k per bank
: Plan C - 24 mths, 5% fee, 0% interest / yr, Min - RM 1k per bank

Just called Bank Islam, the customer service said the promotion plans as per above had ended 31 Dec 2013. Current plan is standard 1.5% interest per month. He had not received any memo so far regarding new promotion.

Apply PB-Esso Mobil Visa Gold Credit Card. It's the only PB card with no annual fee. All other cards have conditions: 12 swipes per year, at least one swipe per month.

I think PB card is only useful for balance transfer, so this card may suit you.

thanks for the input. called them and confirmed yours statement

updated first page

still have but the minimum transfer is rm5k if you want the 6month with 0% charges..

i just do that yesterday

Need help on BT. My mom has outstanding 26k with MBF. in the coming month, we are aimming to use my father EPF, 15k to reduce the amount. The remaining 11k, I wish to do BT as my mom get 2 Public Bank cc, visa and mastercard. If im not mistaken each with 8k limit.

The Public bank is offering BT at 0% interest for 6, 12 and 24 month. My mother repayment power is Rm1.1k per month. Can you guys help me in understanding the BT and which is the suitable term (6/12/24) with my mom paying power.

Thx in advance.

Add info: I hav seem to confuse BT to a payment scheme that needs you to pay in full. Is it more efficient to BT now as it may take time to get the money from EPF? For 12 month BT, they impose 2% upfront fee.

This post has been edited by yugimudo: Feb 26 2014, 08:38 AM

Despite having two PB cards, your mom would only have a single unified credit limit of RM8000. PB Balance Transfer program only allows you to do BT for up to 80% of your credit limit, in this case RM6400. If your mom is still working, you might want to apply for a limit increase first, before applying for the BT.

This post has been edited by Mr Gray: Feb 26 2014, 08:47 AM

So, it is not 8+8? Fair enough. Increasing the limit will have any drawback? My mom is a traditionalist, will not do anything that is too complex. Her interest alone is rm320. So, I want to do the transfer if it benefiting her. Need some fact to convince her.

Woman is such mystery, use cc like no tommorow but lazy to decrease the interest...

I just notice that for RHB, not only the islamic card has 0% BT, now the conventional card also got already... some more its til 30 June 2014, min 3k and up to 80% of CL

http://www.rhb.com.my/whats_new/cards/Smar...X/#.Uw1iafmSz9Y