Hmmm, interesting strategy to have zero statement balance. Never thought of that.
For me I'll fully enjoy the 20-day (up to 50-day, for those swipes just after statement date) free credit period and pay only near due date.

I received twice. Using Android on Note2.
Anyway, now hardly use my MBB2kard Master.

Which CS?
Did you redeem at Parkson or MBB Card Centre?
Are there any TP requirement variations if redeem between the 2 places?

Hmmmm....I have just checked the MBB TP online catalog.
=======================
RM30 KFC voucher needs 7000TP
RM10 McD voucher needs 3000TP
=======================
I remembered I redeemed before with the rate of 200TP for RM1.
Did MBB raised the TP requirements recently?

Luckily I used quite a bit of TP (almost 90k) in the recent Treat Fair.

*** duplicated post ***

This post has been edited by tbheng: Jul 20 2013, 12:07 PM

I have checked back my past redemption receipts.
What Human Nature quoted was exactly what I got back in March this year. The rate is 200TP=1RM.
I have the same logic as ronnie for not redeem anything lower value than 200TP=1RM.

I went to redeem Parkson vouchers this afternoon. 9300 TP for RM50. Not bad lah.
Might as well redeem fast fast before the TP value goes down. Now just left with 3k TP.
Validity is exactly 1 year from voucher issued date.

This post has been edited by tbheng: Jul 21 2013, 01:01 AM

Try check out the AEON WATAMI Visa Card to see if it fits you.
I get 3% CB for my insurance payments.

aeiou228, give me five! I am a regular user of ZDclock too. I installed it in all my android smartphones.
I use it to alert me for cc payment, remind me to verify ibg status, etc.
Set it up as repeat reminders. It has early ring feature too.
Too many cards, repayments, ibg every months to do.
Like the zdclock daily chime as well.

Sorry, don't have GE and AXA to confirm this...Mine is eTiQa, accept Amex but weekday only. Only 2xTP which worth 0.8% now.

Even for schedule payment, you will need (a reminder) to key in every month, right? As the amount will be diff every month.
Questions on schedule payment:
- only within MBB and not IBG, right?
- what time will the schedule payment trigger? Morning, noon, nite?

To get this trick to work, the timing is important.
You'll need to pay before the bill is generated.
I have tried that with auto-debit TNB with ocbc and then pay using Amex during weekend after the bill generated.
But ocbc still pay the full bill amount again. So double pay!
Hence, you will need to pay first (RM178 per example above) before Unifi gen the bill to let the bill as RM19 (RM21 with RM2 discount, per example above).
Then Master card will auto debit RM19 per bill amount.

I was almost wanted to do it for TNB and Unifi, but as pointed out above you will gain < RM1 for Unifi. And forgot how much TNB discount on auto-debit. Maybe will skip it. As I used to over pay to max out unused CB. As overpay will not get auto-debit discount.

This post has been edited by tbheng: Aug 4 2013, 06:14 PM

+1000
Hope other banks can step forward to join this CB war.

I get sms for those swipes marked in red above. It is triggered based on the threshold amount you set. I set mine to RM1.

Alert guys. My MB2K Master has fraud transaction "STREETDEAL SINGAPORE" yesterday. Received transaction detail via sms alert. It was < RM200. Lucky that I had set my threshold to RM1, otherwise it will go through without alert.

I did use the card online at Streetdeal a week ago. Suspected my card info was leaked in that transaction and used by the hacker on yesterday's transaction. It was suppose to be a secured site with https.

I had call CS to stop the card. Transaction is at floating status but still need to fill dispute form. Replacement card will be ready in 3-4 biz days and only collectable at card center.

Edit: Just re-checked that I did receive MSOS for my last week transaction before it got through. But I didn't receive MSOS for the fraud transaction yesterday, but received the transaction alert sms straight away. Super hacker bypassing MSOS. Be really alert guys!

This post has been edited by tbheng: Aug 23 2013, 07:33 AM

Hmmm, I just did a test, and it is https (refer screenshot attached).
So, your experience also without MSOS? Wonder how could that been bypass/compromised.
Was feeling safe with the MSOS security measure, but seems it could be bypass by hacker, then it is not so secure anyway.

Edit: Just noticed that there is a mobile number field on the payment screen. Don't tell me the MSOS is sent to the one keyed in on the screen and not based on the registered mobile number kept with the card issuer bank?

This post has been edited by tbheng: Aug 24 2013, 09:57 AM


Attached thumbnail(s)

Yes, understand that MSOS is merchant's choice to implement.
But for this site they DO implement MSOS. I received MSOS sms in my genuine transaction before. But not trigger on the fraud transaction.

This post has been edited by tbheng: Aug 24 2013, 09:58 AM

I mentioned both are from same merchant, streetdeal lah, that's why wonder how come the hacker can bypass MSOS.
My first genuine purchase got MSOS and transaction alert sms. The second fraud case just transaction alert sms.

Ya, I should have chosen the paypal option that day. Will use paypal in future.

This post has been edited by tbheng: Aug 24 2013, 09:43 PM

Just curious what will the statement date be on months without 31th...
Thought banks won't allow this change request.
I guess, in this case, it is moving statement date and fixed due date (20th) as oppose to the more common one of fixed statement date and moving due date.

This post has been edited by tbheng: Aug 30 2013, 09:41 PM