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

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fruitie
post Apr 21 2021, 09:37 AM

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QUOTE(khai0412 @ Apr 21 2021, 07:03 AM)
Okay, thx🤑🤑....time to think whr to spend those rm 1000🤔🤔😂
Btw for second spend...i can spend at shopee or lazada rite?
*
Yes, direct purchase. Not reloading to e-wallet.
fruitie
post Apr 23 2021, 10:00 AM

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Got Activation Cash Back of RM 25 on 21st April but what is this "Cash Back Other" RM 1? Don't tell me it is the 10% cash back? shocking.gif I spent RM 1k...
fruitie
post Apr 23 2021, 10:08 AM

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QUOTE(cybpsych @ Apr 23 2021, 10:06 AM)
could be the 0.2%?

RM1 cashback = RM500 spending <-- tng ewallet?
*
Yeah, you are right! But I still got RM 50 cash back? I only spent exact RM 2.5k.
fruitie
post Apr 23 2021, 10:42 AM

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QUOTE(cybpsych @ Apr 23 2021, 10:16 AM)
should be getting the cb if transactions eligible biggrin.gif

what else did you spend beside tng ewallet?

statement date not yet reached?
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Statement date is 22nd though.

My transactions as below:
» Click to show Spoiler - click again to hide... «

fruitie
post Apr 23 2021, 10:49 AM

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QUOTE(ClarenceT @ Apr 23 2021, 10:48 AM)
Yes you got 0.2% for TNG wallet - saved card method.

So the best scenario is:-
ONLINE RM1000
SHELL RM417
TNG wallet (saved card) - RM1084

Total CB = RM50+RM50+RM2.16
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But... I still got RM 50 cash back. Isn't it should be lesser than RM 50? I only spent RM 2.5k.
fruitie
post Apr 23 2021, 10:55 AM

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QUOTE(cybpsych @ Apr 23 2021, 10:53 AM)
correcto, total spending rm2.5k to hit 5% bonus tier: rm50 bonus cb (online/ewallet) + RM1 for others 0.2% cb

FYI, others cb is unlimited actually
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Oh, so that RM 2.5k doesn't need to be categories specific? In this case, I will assume I spent RM 2k for online/ewallet and RM 500 on others?
fruitie
post Apr 23 2021, 10:57 AM

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QUOTE(ClarenceT @ Apr 23 2021, 10:56 AM)
Posted transactions from 22/3/21-21/4/21, >RM2500
ONLINE 5% capped at RM50 -> So you got RM50
SHELL 12% capped at RM50 -> RM0.00
OTHERS 0.2% unlimited -> RM1.00
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That TnG e-Wallet is still parked under online, in this case? unsure.gif


I think I need to inform my friend in TnG to look into MCC issue. It is affecting CC CB, though in this case like an advantage to RHB cardholders. laugh.gif

This post has been edited by fruitie: Apr 23 2021, 10:58 AM
fruitie
post Apr 23 2021, 11:03 AM

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QUOTE(cybpsych @ Apr 23 2021, 10:59 AM)
MCC is eligible, suspect is the description that is the culprit since the T&C spelled out the exact description that is "acceptable"  doh.gif
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I thought MCC is toll or something?
fruitie
post Apr 23 2021, 11:25 AM

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QUOTE(cybpsych @ Apr 23 2021, 11:15 AM)
yep, mcc 4784 is eligible

user posted image
your transactions not impacted since you have other online/ewallets to contribute the RM50 bonus cashback.

other ppl with majority/exclusive spending at TNG ewallet would get shocked
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OK, in this case, were you saying MCC is correct but description is wrong? I didn't know description is also playing a role here.
Can you explain more? I'm asking my friend in TnG to check internally.
fruitie
post Apr 23 2021, 11:45 AM

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QUOTE(cybpsych @ Apr 23 2021, 11:37 AM)
guessing now, since one user here already didnt get bonus cb for the new tng "wallet" description.

that means, likelihood RHB is validating both description + mcc.

to add more complication, it seems tng "wallet" also not identified as Online for bonus cashback.

so, i'm also guessing RHB got a funny way to check txn eligibility: MCC > category > description
this may cause tng "wallet" MCC to be grouped first, hence not under "Online"; but then it didnt match description.
Online Spend
Online Spend MCCs under e-Commerce mode. E-Commerce transaction definition means ‘Transaction Mode = M, D, S and U”

(*No duplicate of Cash Back will be awarded if the transactions also fall into above Top Up eWallet & Grocery MCC)

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sweat.gif sweat.gif I don't think my friend will understand then... sweat.gif

Never mind, I asked him to look into the MCC why now under Toll and Bridge fees. tongue.gif
fruitie
post Apr 23 2021, 01:00 PM

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QUOTE(cybpsych @ Apr 23 2021, 12:00 PM)
yeah cuz their (new) acquirer bank gotta understand TNG DIGITAL's business and assign it properly.

seems the bank assign toll mcc because of thinking TNG = tng card/rfid/toll business nature haha

i guess TNG Digital didnt justify it properly that this is ewallet/digital service provider, not toll service provider
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Yeah, he did ask if only affecting one bank. I told him all banks. Then, he asked if only TnG has this issue and not other ewallets, I told him only TnG. sweat.gif

I already sent my feedback to him, fingers crossed will be solved soon.
fruitie
post Apr 23 2021, 01:09 PM

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QUOTE(mamamia @ Apr 23 2021, 01:07 PM)
OT: just wonder is Affin Bank, YOLO & OCBC also affected?  hmm.gif  So far i know is RHB & PBB
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I think Affin also. I just said all, so it is easier. tongue.gif
fruitie
post Apr 23 2021, 01:59 PM

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Can I know if anyone getting the 10% cash back recently? I got RM 25 activation cash back only. Do they come together? I mean the different types of cash back.
fruitie
post Apr 23 2021, 02:36 PM

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QUOTE(mamamia @ Apr 23 2021, 02:06 PM)
I just receive RM25 cb posted on 21 Apr, guess the 10% cashback will be later... let's wait for it... i did my RM1k on 21 Mar..
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OK, this is reassuring. Then, I will still have hope.
fruitie
post Apr 23 2021, 04:27 PM

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QUOTE(guy3288 @ Apr 23 2021, 04:06 PM)
I saw your Transactions TNG, Lazada and Shoppee pay, so only the touch and go rm500 is not considered ewallet correct?

So the 10%cashback later will be rm50 from that touch and go ,

Shoppee pay  entitled for the 10% cashback,
Any one can share?
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Yea, only RM 500 TnG is not e-wallet.

However, for 10% I already spent in last statement, not this one. I spent 1k on Lazada, not Lazada Wallet.
fruitie
post Apr 24 2021, 12:14 PM

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QUOTE(lowyat101 @ Apr 24 2021, 09:48 AM)
paid bills with shopee but it's shown as airpay malaysia.

is this considered as online or ewallet?

thanks
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Unless you are chasing after the 10% cash back, otherwise it doesn’t matter you will still get 5% cash back if you spend at least RM 2.5k.
fruitie
post Apr 24 2021, 01:52 PM

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QUOTE(Brendan9303 @ Apr 24 2021, 01:22 PM)
I called up to the CS and the girl told me that TNG had changed their MCC since 1st April 2021 ( I think after the launch of GO+) , so this explains why my previous spending on Feb and Mar is still considered as E Wallet. Also, they claimed that it is up to TNG to change their own MCC and RHB couldn’t do anything. Awww, so if what RHB said is true, then other CC like affin and PB might get affected too.
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Yes. Not only RHB.
fruitie
post Apr 25 2021, 06:09 PM

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QUOTE(saw2001 @ Apr 25 2021, 06:00 PM)
The cashback is based on statement date?
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Yes.
fruitie
post Apr 27 2021, 10:44 AM

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My friend from TnG e-Wallet has responded to me after speaking to their internal relevant team, they are now aware of the MCC issue after I reported (with the help from you guys) and will look into this issue. Hopefully some good news for us later. Fingers crossed. biggrin.gif
fruitie
post Apr 27 2021, 10:56 AM

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QUOTE(tan_aniki @ Apr 27 2021, 10:52 AM)
at least change the WALLET to EWALLET cos some bank still look into this description regardless of MCC
*
Well, it is the acquirer bank which decides on this change...

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