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

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guy3288
post Aug 22 2013, 11:46 PM

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i am still waiting for my 2nd statement 26.8.13 to see if there is 5% rebate for online flight ticketings.

As usual any credit issued AFTER statement date even though before payment due date, cannot be used to offset statement balance.

I also receive a call from RHB saying i can have the 6months 0% Finance but i am waiting for a black and white confirmation.
guy3288
post Aug 22 2013, 11:54 PM

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QUOTE(Human Nature @ Aug 22 2013, 11:47 PM)
Abit confuse here on RHB's method.

Let's say I spent RM1000 and obtained RM50 rebate (same date as statement). So to avoid any penalty, should I pay RM1000 or RM950?

If it is used to offset the next statement, I need to pay RM1000. Am I right?
*
if you just pay what the statement balance is, you are safe. Statement balance would have deducted whatever credit/CB/refunds and that is the balance for us to pay.

However if you go deduct CREDITS that appeared AFTER statement date, or you go pay anything less than the statement balance (exlc 0% finance 6 m case) ,then you would likely kena penalty.



guy3288
post Sep 1 2013, 10:25 PM

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I called CS service she said yes it should be 5% but the CB i see in statement dated 26.8.13 is less than i expect.

tried to paste my details here, uanble to do, so i just type:
27.7. old town 63.55
28.7 FF online 118.95
FF online 123.95
6.8 TNB online RM100
6.8 Online marathon fee payment 50
8.8 old town kopitiam 31.65
11.8 same----------62.85
17.8 same----------- 62.85
17.8 Aoen stores 52.55
17.8 Aeon stores 69.95
21.8 FF online 49

25.8.13 CB RM1.68
25.8.13 CB RM22.10

I called CS she said Aeon stores also 5%, others old town kopitiam 0.5%. I am waiting for her to get back, i complained my CB not correct should be more than that if you add all online and Aoen stores 5% should be mnore than RM22.10.

That RM 1.68 i guess is for others 0.5% CB.

This post has been edited by guy3288: Sep 2 2013, 12:07 AM
guy3288
post Sep 2 2013, 12:02 AM

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that seems close to the CB.

FF = firefly flight tickets. No typo error, all figures correct.

But i have also registered for the 5% CB promotion for 5 stores 19.7.13-30.9.13. Shouldnt the spend at Aeon supermarket be getting 5% as well?


guy3288
post Sep 2 2013, 12:08 AM

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yeah may be you are right.

i paid via uob online.
guy3288
post Oct 5 2013, 12:00 AM

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QUOTE(ronnie @ Sep 16 2013, 12:04 PM)
The following is considered as "Online Transactions" under RHB Visa Signature

Dell Sales Malaysia Sdn Bhd - Singapore
AirAsia X - Online Booking
AirAsiaGo - Online Booking

Gets Unlimited 5% Cash-Back until 31 December 2013 smile.gif

Each Cashback % is listed separately at the end of Statement Date.
*
How about bill payment at website RHBNow -is that considered online payment for 5% CB?

ANybody has paid bills at RBH website?
guy3288
post Nov 3 2013, 12:13 AM

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WTA RHB VS 6 months interest FREE offer.

Remember the RHB Visa Signature Card comes with 6 months interest free. After 6 months sure we must clear all hutang.

MY card approved on 15.7.2013 and my 1st statement dated 26.7.2013, payment due on 15.8.2013.

My 6th statement will be on 26.12.2013. So that means i must pay that statement all clear before 15.1.2014?

Anybody can confirm? I dont want to kena charge interest.
I have carried a hutang of 18k already so far.. all interest free, only pay min 5% only.

Going by that my 6 months interest free period will end on my 6th bill right? Any body has reached their 6th statement and still able to pay only 5% minimum and didnt get charged?




guy3288
post Nov 3 2013, 10:59 PM

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thanks ronnie, i go back and checked my statement.

the 1st statement says "current retail interest is 18%"

2nd statement onwards it says "current retail interest is 0%".

So i guess may be i get it interest free till my 7th statement, hopefully.
How about yours? is your first statement also interst 0% already?


This post has been edited by guy3288: Nov 3 2013, 11:03 PM
guy3288
post Dec 2 2013, 11:23 PM

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anybody has experience applied for increase credit limit for RHB VS card? I composed an email asked for it from RHB website secured mail box, the answer is NO, without even asking for supporting documents from me.

Need more limit as i have accumulated hutang RM24k so far, interest free ma......only pay min 5% everymonth.
guy3288
post Jan 8 2014, 12:54 AM

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anybody playing "dirty' to squeeze the unlimited 5% from RHB Visa Signature before end of 2013?

I tried it first in Nov and it gave me the unlimited 5% for advance payment to my insurance.

So before the campaign over i used up all my RM35k limit, i asked them to increase my credit limit, but receive negative reply, Paid my insurance in advance...can also pay TNB and any bills in advance.......but come next month statement i mati lo have to clear all my hutang. still it is better than keeping money in FD, keep 1 whole year also cannot get 5% right?

guy3288
post Jan 8 2014, 06:38 PM

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QUOTE(ronnie @ Jan 8 2014, 01:15 AM)
Which Insurance Provider allows online payment in advanced ? You really "geng" to maximise their 5%
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Hong leong Assurance, pay by uob pay online



QUOTE(pinksapphire @ Jan 8 2014, 03:22 AM)
Whoa...that means you got RM1,750 cash back??
*



Yeah almost that, except a small amount at Old town kopitiam with free meals and free coffee and rebate only 0.5%

QUOTE(MGM @ Jan 8 2014, 05:35 AM)
You still can do 0% BT to ease the 'pain'. BT to AEON CC earns you points=extra rebates.
*
Wow, you are my saviour! Any idea about the fees for doing the BT? But got to pay fixed installment every month right?
Unlike the RHB VS that i enjoyed to the fullest paying only the minimal 5% month after month at 0% interest.........



QUOTE(one leg kicking @ Jan 8 2014, 10:16 AM)
aiks, should have used up my credit limit like guy3288. haha

anyway, i shall cancel this card soon  smile.gif
*
Yeah, especially when you have 6 months zero interest you should have used up all the credit paying all your bills in advance........
guy3288
post Jan 29 2014, 09:37 PM

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QUOTE(ronnie @ Jan 28 2014, 08:40 AM)
I've just received my 5% Dining Rebate under RHB Islamic Visa Platinum.

Each rebate is itemized based on the transaction made... VERY NICE !!! It was credited approximately 1 month after the Transaction Date. I'll monitor further to understand "when" it's credited.
*
this sounds like a good card for dining. Where to check the list of restaurants given the 15% CB. How come you got 5% only?

guy3288
post Apr 12 2014, 10:43 PM

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is the ZERO interest zero fee Balance Transfer applicable to existing customer holding RHB Visa Signature card?
guy3288
post May 21 2014, 08:41 AM

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anybody's RHB VS card's anniversary coming or over? Did you guys get AF waiver (RM600!) and or GST RM50.00 offset with spend conditions?

I called to cancel, waiting for their reply, hopefully they will offer the above.....
guy3288
post May 21 2014, 11:48 PM

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QUOTE(guy3288 @ May 21 2014, 08:41 AM)
anybody's RHB VS card's anniversary coming or over? Did you guys get AF waiver (RM600!) and or GST RM50.00 offset with spend conditions?

I called to cancel, waiting for their reply, hopefully they will offer the above.....
*
i called to cancel on 19.5.14 and today received a call back offering AF waiver and RM50 credit with 1 condition ->swipe the card once within 30D, any amount. Checked my usage record, used quite a bit becos there was the 5% CB for online spend and also becos of the 6m zero interest. End of the 6m, I BT 32+k to PBB.

This offers come at the right time since i am running out of credit for more zero fee BTs.......
guy3288
post May 25 2014, 10:12 AM

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QUOTE(wan7075 @ May 23 2014, 02:43 PM)
online spend including payment to utility bill like water, majlis perbandaran and indah water?
5% for all RHB CC card?
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i think no more 5% CB now, that promo ends long ago, dec 2013 IIANM.
guy3288
post Feb 17 2015, 01:54 PM

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received SMS get RM188 Angpow rebate for CNY dining. where to read the T & C for this promotion?
guy3288
post Feb 17 2015, 07:01 PM

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QUOTE(victorywp @ Feb 17 2015, 02:15 PM)
tq
guy3288
post May 17 2015, 04:30 PM

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Anybody has used RHB Visa signature to pay bills (TNB, Telekom etc) online and managed to get unlimited 1% Cash back?

Unlimited 1% CB for online transactions is one of its features right?
guy3288
post Dec 27 2015, 06:23 PM

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For those using RHB VS to get 1% CB for online payment insurance/medical , i found out this:

1)Can Convert to 0% 6 month Smart install, still you get your 1%CB
(asked CS they all said no, no 1% CB if convert to Smart install)

2)After statement out, still you can convert to Smart install, better still no need to even pay the 1st install for current statement,
just deduct the insurance/medical amount out and pay the balance.


Hurry up, u can convert till 31.12.2015 only. Interest free, no fee.



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