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Credit Cards RHB Credit Card, Open discussion/frustration with RHB CC
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contestchris
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 Dec 15 2023, 03:45 PM
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QUOTE(lowyat101 @ Dec 15 2023, 02:56 PM) Haha thanks but nvm I already sms btw just to check, for the unauthorised transaction that has been posted, normally how long will RHB take to investigate and refund back the amount? if it's after the coming statement date, do i need to pay this amount first? it's close to rm200 thanks Mine took a month or two, but they issued a temporary credit of the disputed amount in a short period of time (within a few days). Later they reversed this and reversed the original transaction. This post has been edited by contestchris: Dec 15 2023, 03:46 PM |
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contestchris
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Dec 19 2023, 04:20 PM
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Has anyone ever applied for a credit limit increase for RHB credit card?
I called and they asked to go to the branch. Is that really the only way?
So frustrating that other banks are making it easy to increase credit limit (e.g. HLB) but RHB makes life so difficult.
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contestchris
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Dec 31 2023, 01:31 PM
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Does anybody have the T&C in pdf for Everyday Deals Q4 2023 campaign? I believe there are some changes for the Q1 2024 campaign, namely downsizing of the pool, and excluding online spend from the daily rotating category spend. https://www.rhbgroup.com/CreditCard_Everyda...erydayDeals.pdf |
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contestchris
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Dec 31 2023, 03:05 PM
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QUOTE(PseudomonasSA @ Dec 31 2023, 03:03 PM) Can you share full PDF please |
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contestchris
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Dec 31 2023, 09:11 PM
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QUOTE(loneranger80 @ Dec 31 2023, 08:42 PM) From what you all observed, is the timestamp captured at the moment OTP generated or at moment OTP submited? When transaction is completed, meaning when OTP is submitted and captured by the system |
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contestchris
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Dec 31 2023, 10:24 PM
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QUOTE(beLIEve @ Dec 31 2023, 10:04 PM) It's been posted few weeks/months ago by a big time winner. Maybe it was Pseudomonas or someone else. Won over $3k per quarter. It's been in their T&C since day 1.0 over a year ago. RHB follow their system time, whereas banks like Public Bank don't. I can confirm it is RHB system time. Example my Maxis transactions will appear as previous day on Maxis app but I always get the RHB cashback correct. |
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contestchris
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Jan 2 2024, 11:27 AM
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QUOTE(MGM @ Jan 2 2024, 11:23 AM) Most likely must be done at 00:00:00 RHB system time. Someone seems very successful >90%. Successful people likely have scripts running |
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contestchris
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Jan 6 2024, 12:59 PM
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QUOTE(szenyee @ Jan 5 2024, 10:25 PM) Does anyone know which Shell stations are still selling TNG PIN and accepting Credit Card payment? All my usual Shell stations I went to previously which allowed this no longer accept credit card for TnG Reload Pin purchases. Are there any Shell stations that still accept in KV? If yes, appreciate if someone can share. If scared to share openly, would appreciate a PM  |
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contestchris
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Jan 6 2024, 11:04 PM
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QUOTE(cybpsych @ Jan 6 2024, 09:47 PM) not the only way anything, product or services, within shell station eligible for shell cb. spend more effort to find what you can buy using rhb-shell cc. not all shell stations are the same. What other "products or services" are you hinting at here? |
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contestchris
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Jan 7 2024, 11:50 PM
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QUOTE(coffee_life @ Jan 7 2024, 03:40 PM) For RHB Shell - Online Category cash Back, Does Auto debit (recurring Payment) for example Netflix and Google Account constitute as Online Cash Back Category ? From my experience, auto debit is not considered online. These are two distinct modes of payment. |
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contestchris
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Jan 13 2024, 10:38 AM
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This time very competitive, I didn't get for all the times I tried.
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contestchris
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Jan 13 2024, 11:31 AM
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Guys, if you get OTP SMS at 23:59:55 but only key in to complete the transaction at 00:00:01, is it qualified or disqualified?
Does the OTP timestamp matter at all? Meaning which, it must be at 00:00:00 or after?
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contestchris
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Jan 13 2024, 11:58 AM
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I'm looking through my transactions, it seems like some Tier 1 transactions even at 00:00:38 did not qualify! All my Tier 1 transactions after 00:01:00 also seemingly did not qualify.
Can somebody else confirm? If true, then this has become very competitive.
This post has been edited by contestchris: Jan 13 2024, 11:58 AM
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contestchris
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Jan 24 2024, 11:26 PM
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Anybody received cashback for Everyday Deals Q4 2023 (non-Ecomm)?
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contestchris
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Jan 25 2024, 08:04 AM
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QUOTE(beLIEve @ Jan 25 2024, 03:19 AM) Me me me! Same day as eCom Serious? What's the transaction description? I ask because I got nothing, despite some utilities/government transactions on Thursdays. If it already qualify for Tier 1 Ecomm, is it excluded from the daily MCC reward? I know the loophole has been closed for Q1 2024, but for Q3 2023 and before, I could stack 2 cashbacks (Tier 1 Ecomm + Utility/Government spend on Thursday). This post has been edited by contestchris: Jan 25 2024, 12:15 PM |
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contestchris
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Jan 25 2024, 03:00 PM
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QUOTE(beLIEve @ Jan 25 2024, 02:09 PM) EDAY DEALS CBK Q4 I also cannot tally my amount. I just assume I won 100% Offline spending and lost Online Thurs spending. Are you going to raise this with RHB? They are excluding online transactions for qualifying MCCs, which is not in line with their own T&Cs. They only made it clear that the qualifying MCCs for daily everyday spend category is OFFLINE ONLY from the Q1 2024 T&C. |
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contestchris
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Jan 25 2024, 04:34 PM
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QUOTE(beLIEve @ Jan 25 2024, 03:48 PM) I couldn't tally the entire thing. I have a mix of Groceries, Petrol, and Utils/Gov. Among these, anything online is very competitive. I don't feel like asking them to check 1 by 1. Short of somewhere around $20-40 expected winning. How many eligible online spend did you have? If you minus that our and only include offline transactions, does it tally? In my case, it's clear cut. I received the Ecomm cashback as expected, but I got zero Everyday Deals cashback. Moreover, the quota for utilities/government (RM800 / RM10 = 80 pax) spending is more than the quote for Ecomm Tier 1 (RM1,200 / RM16 = 75 pax). This post has been edited by contestchris: Jan 25 2024, 04:36 PM |
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contestchris
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Jan 26 2024, 09:12 AM
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My RHB Shell Visa card credit limit increase was REJECTED!
I went in to RHB branch to submit the required documentation.
I applied for limit increase from RM6k. Yes, my existing CL is just RM6k cause RHB Shell Visa was my first credit card back in April 2021. I applied to increase to RM15k.
I have got cards with up to RM40k limit currently, have been prompt with my repayment for all credit obligations, my salary has gone up nearly 3x from when I initially applied for the RHB Shell Visa card back in April 2021. Other banks like SCB and Citibank were giving me CL of RM60k within the past 12 months and I had to call them to reduce the CL as I was uncomfortable with such high CLs.
If their reasoning of rejecting was because of high utilization on my RHB Shell Visa card, then it's dumb. The CL is so low.
In the mean while, HLB has approved my CL increases THREE TIMES in the last 18 months.
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contestchris
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Jan 26 2024, 11:26 AM
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QUOTE(LostAndFound @ Jan 26 2024, 10:35 AM) Why would you want more than 6k limit? Any benefit to the Shell card once you passed 2.5k spend? 2.5k per month means at max you need 5k limit for the overlap. Any spend over 2.5k really doesn't earn you much of anything anyway. Also bank got their own internal calculation for credit limit, not necessarily you will get the same bank to bank. They also see how much total credit limit you got, and crucially what industry you are in (high volatility industry with high salary I think likely get much less than low volatility industry with small salary). I wanted for the 0% BT promo |
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contestchris
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Jan 26 2024, 11:27 AM
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QUOTE(cybpsych @ Jan 26 2024, 10:48 AM) you do know that each bank doesnt just look at what you have with that specific bank, but also YOU as an individual; that means all your other credit facilities will be taken into account too. Yes obviously, I'm just highlighting how there's been zero issues with other banks from that standpoint. |
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