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Credit Cards RHB Credit Card, Open discussion/frustration with RHB CC

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fruitie
post Jul 30 2015, 05:47 PM

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QUOTE(victorywp @ Jul 30 2015, 05:07 PM)
wah, i tak tau pulak got the 30% thingy. got link to share?
*
During your birthday month for selected dining places. smile.gif
fly126
post Jul 30 2015, 05:57 PM

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QUOTE(victorywp @ Jul 30 2015, 05:07 PM)
wah, i tak tau pulak got the 30% thingy. got link to share?
*
http://www.rhbgroup.com/products-and-servi...um-credit-card/

15% Cash Back during weekends or 30% Cash Back for LIFE during your Birthday month at selected dining outlets
* Cash Back capped at RM50 per month, per customer
Dinning Places

This post has been edited by fly126: Jul 30 2015, 06:06 PM
fruitie
post Jul 30 2015, 06:25 PM

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QUOTE(fly126 @ Jul 30 2015, 05:57 PM)
http://www.rhbgroup.com/products-and-servi...um-credit-card/

15% Cash Back during weekends or 30% Cash Back for LIFE during your Birthday month at selected dining outlets
* Cash Back capped at RM50 per month, per customer
Dinning Places
*
Those places are not cheap to begin with. laugh.gif

I'm thinking how does this cash back and 30% work?

For e.g. I spend RM 500 for a dinner, so I only pay RM 350 on the bill and at the same time I will receive RM 50 cash back? laugh.gif
If like this then I will ask to retain. laugh.gif
lunarwolf
post Jul 30 2015, 09:16 PM

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QUOTE(richstars8818 @ Jul 29 2015, 11:02 PM)
i think still apply as written in their website? swipe 12x then can waive af?
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Still a bit confuse on why they charge me RM106 for the card since i swipe more than 20 times already. I assume online cinema purchase is consider as swiping also
fly126
post Jul 30 2015, 09:36 PM

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Edited 3x Posted... doh.gif

This post has been edited by fly126: Jul 30 2015, 09:39 PM
fly126
post Jul 30 2015, 09:36 PM

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QUOTE(fruitie @ Jul 30 2015, 06:25 PM)
Those places are not cheap to begin with. laugh.gif

I'm thinking how does this cash back and 30% work?

For e.g. I spend RM 500 for a dinner, so I only pay RM 350 on the bill and at the same time I will receive RM 50 cash back? laugh.gif
If like this then I will ask to retain. laugh.gif
*
the CB is accumulated on a Monthly basis, IT will Credit back to Your Account within 60 Days after the Transaction posted.
therefore have to spend,
RM333.34 x 15% = RM50
RM166.67 X 30% = RM50

in Order to get Max. Cash Back... rolleyes.gif

This post has been edited by fly126: Jul 30 2015, 09:42 PM
fly126
post Jul 30 2015, 09:37 PM

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Edited 2X Post... sweat.gif

This post has been edited by fly126: Jul 30 2015, 09:38 PM
fruitie
post Jul 30 2015, 09:44 PM

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QUOTE(fly126 @ Jul 30 2015, 09:36 PM)
the CB is accumulated on a Monthly basis, IT will Credit back to Your Account within 60 Days after the Transaction posted.
therefore have to spend,
RM333.34 x 15% = RM50
RM166.67 X 30% = RM50

in Order to get Max. Cash Back... rolleyes.gif
*
I seldom dine at those places though I always dine out. laugh.gif

Guess MACH is still a better choice for me despite it's just 5%. tongue.gif
fly126
post Jul 30 2015, 10:15 PM

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QUOTE(fruitie @ Jul 30 2015, 09:44 PM)
I seldom dine at those places though I always dine out. laugh.gif

Guess MACH is still a better choice for me despite it's just 5%. tongue.gif
*
Ya, here in Penang Not much Choice also, I think 3, 4 Dinning outlets only
that's why I have the CC cancelled to avoid AF, GST... after I got M2C (now with Dinning only) sweat.gif
Since that No more M2C 5% CB, Ikhwan + PBB VS 's Apps Rejection... Now looking for an Alternative to get more CB flex.gif

This post has been edited by fly126: Jul 30 2015, 10:32 PM
mamamia
post Jul 30 2015, 10:25 PM

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QUOTE(lunarwolf @ Jul 30 2015, 09:16 PM)
Still a bit confuse on why they charge me RM106 for the card since i swipe more than 20 times already. I assume online cinema purchase is consider as swiping also
*
Normally they will waive once u call. "Standard procedure".. Their system not smart enough to track your swipe..
karcity
post Jul 30 2015, 10:58 PM

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What is the best RHB cc to hold? Like Hong leong, the best one is Wise card. How about RHB? What is the benefit? I have most bank cc except RHB... Just curious.
fruitie
post Jul 30 2015, 11:13 PM

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QUOTE(karcity @ Jul 30 2015, 10:58 PM)
What is the best RHB cc to hold? Like Hong leong, the best one is Wise card. How about RHB? What is the benefit? I have most bank cc except RHB... Just curious.
*
Nothing interesting.

Applied its Plat for PPL earlier and it gives the highest CL, just cancelled. Really serves no purpose. I have other cards that give me PPL access. So this has to go to make space for others. 8 cards already, in the application for 9th card. sweat.gif

This post has been edited by fruitie: Jul 30 2015, 11:13 PM
victorywp
post Jul 30 2015, 11:20 PM

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QUOTE(karcity @ Jul 30 2015, 10:58 PM)
What is the best RHB cc to hold? Like Hong leong, the best one is Wise card. How about RHB? What is the benefit? I have most bank cc except RHB... Just curious.
*
rhb plat.. with 4x ppl access, and the above dining cb, as well as some on & off promo.
karcity
post Jul 30 2015, 11:31 PM

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QUOTE(fruitie @ Jul 30 2015, 11:13 PM)
Nothing interesting.

Applied its Plat for PPL earlier and it gives the highest CL, just cancelled. Really serves no purpose. I have other cards that give me PPL access. So this has to go to make space for others. 8 cards already, in the application for 9th card. sweat.gif
*
Ok. It means don't apply RHB cc. Understand
fruitie
post Jul 31 2015, 09:09 AM

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QUOTE(richstars8818 @ Jul 31 2015, 08:26 AM)
wow so many... that's mean average 1-2 months one application per credit card?
*
I own credit card since 5 years ago la. Some are for years already. sweat.gif
geekfiredog
post Jul 31 2015, 10:51 AM

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QUOTE(Human Nature @ Jul 30 2015, 05:30 PM)
Anyone of you with VS still not being charged with AF despite the anniversary has passed?
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I have my RHB Visa Signature since Aug 2013, hardly use it. Late July last year, I called to cancel the card, they call and tell me annual fee and government tax will be waived (can't remember need to swipe x times or not). Early this week, I called them again to cancel my card (only use < 3 times with very small amount for the last 12 months), and they told me my annual fee is already waived for the next 2 years (till 2017 drool.gif ) and asked me to keep again.

Will be on a business trip soon, and expect to charge > RM20k to my credit for the upcoming trip. So, maybe will use this card for this trip since it offers unlimited 1% cashback for overseas and online transactions.
Human Nature
post Jul 31 2015, 11:22 AM

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QUOTE(geekfiredog @ Jul 31 2015, 10:51 AM)
I have my RHB Visa Signature since Aug 2013, hardly use it.  Late July last year, I called to cancel the card, they call and tell me annual fee and government tax will be waived (can't remember need to swipe x times or not).  Early this week, I called them again to cancel my card (only use < 3 times with very small amount for the last 12 months), and they told me my annual fee is already waived for the next 2 years (till 2017  drool.gif ) and asked me to keep again.

Will be on a business trip soon, and expect to charge > RM20k to my credit for the upcoming trip.  So, maybe will use this card for this trip since it offers unlimited 1% cashback for overseas and online transactions.
*
In my case, I have not make any request yet. Just waiting for it to be charged but even that their CS is unable to tell me the exact date doh.gif
fruitie
post Jul 31 2015, 11:26 AM

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QUOTE(richstars8818 @ Jul 31 2015, 11:24 AM)
nowadays if ur ccris no record more than 1-2 yrs hard to apply new cc , thats what i heard from my banker friends..

but how if u have 5 years record of hire purchase and credit card and you choose to pay off one lump sum to your hire purchase and cancel your 5 years credit card, hence, ur ccris record won't have any records of ur past 5 years hire purchase and cc...

and u start to apply cc .. after they check in ur ccris it's clean and...

any idea? or bank can check records for ccris even though ur hire purchase been cancel or they will have records for past few years even though u cancel your cc? hmm...
*
I really don't know but I think it is not that difficult to own a credit card now. sweat.gif
TSronnie
post Jul 31 2015, 02:01 PM

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QUOTE(fly126 @ Jul 30 2015, 09:36 PM)
the CB is accumulated on a Monthly basis, IT will Credit back to Your Account within 60 Days after the Transaction posted.
therefore have to spend,
RM333.34 x 15% = RM50 (normal months)
RM166.67 X 30% = RM50 (birthday month)

in Order to get Max. Cash Back... rolleyes.gif
That's my target each month.... Their cash back payout is at times not standardized.

fruitie
post Aug 1 2015, 01:15 AM

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When I called to cancel my card, a few days later, a lady called me for retention purpose. She asked me what's the real reason that I wanna cancel this card. I told her not much benefits and the hassle of getting a pin to login online banking. I was asked to go to the nearest branch to do this. She promised me will look into it and check with the relevant people.

Anyway, after a serious consideration, I called for cancellation again on Thursday after being retained.

Yesterday received this SMS. hmm.gif
RM0.00 RHB Cards: Effective Aug 2015, your credit card stmt will be converted to e-stmt. To view your e-stmt, pls log on to RHB Now. Call 03-92068118 for info

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