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

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cybpsych
post Aug 24 2023, 02:38 PM

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QUOTE(ronnie @ Aug 24 2023, 02:20 PM)
But my swipes with other SCB (T+1) or MBB AMEX (T+0) at the same store.
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those with T+0, usually because it's the ON-US settlement.

meaning acquiring bank = issuing bank, therefore bank can offer lower MDR to merchant for signing up with them if the cardholders are majority from same bank.

T+0 same-day settlement is a selling point for merchants to get their sales fund fast instead of the usual T+x settlement cycle.


you should try non-Maybank cards, and compare the settlement/posting period.

This post has been edited by cybpsych: Aug 24 2023, 02:38 PM
cybpsych
post Aug 29 2023, 09:05 AM

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QUOTE(talexeh @ Aug 29 2023, 08:36 AM)

Is this still the case? My statement date is on the 22nd. By 20-AUG, I only accumulated RM677.42 which I'm fully aware wasn't sufficient to get any cashback. I quickly top-up ShopeePay RM1822.57 on 21-AUG & they got posted on 22-AUG. After reading your posts, I thought the RM1822.57 will be used for next CB cycle but when I checked my statement, they're listed along.

Therefore, based on your experience, are the 2 transactions' cashback fall still valid for current CB cycle or they're indeed in next CB cycle?
user posted image
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statement cutoff is fixed. any txn posted even up until statement date will be "statement-ed" for billing purposes.

for cb calculation, it would be different treatment. it calculate up until T-1 statement date. the cb will be credited in next statement.

assuming you're using rhb-shell card, below is the T&C

user posted image
cybpsych
post Aug 29 2023, 09:30 AM

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QUOTE(sjz @ Aug 29 2023, 09:25 AM)
yup.
no statement, no cb  doh.gif  doh.gif

seemed like they intentionally do so.
to avoid cb posted in the same statement.

else, it won't b a recurring problems for months
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dont think so

got my cb credited on statement date @ 12th

i noticed this issue keeps recurring for statement date(s) later of the month(?).
cybpsych
post Aug 30 2023, 09:56 AM

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QUOTE(sjz @ Aug 30 2023, 09:44 AM)
for RHB, any cash back can offset as payment right?
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yes for my rhb-shell cards.

the csahback is part of my statement balance rclxms.gif
cybpsych
post Sep 25 2023, 02:53 PM

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QUOTE(cybpsych @ Aug 29 2023, 09:05 AM)
....

for cb calculation, it would be different treatment. it calculate up until T-1 statement date. the cb will be credited in next statement.

assuming you're using rhb-shell card, below is the T&C

user posted image
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QUOTE(jkngo2003 @ Sep 25 2023, 02:27 PM)
dear  sifu, for rhb shell, the cashback and spending tier counted by statement date or calender month
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cybpsych
post Sep 26 2023, 04:35 PM

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QUOTE(NextDoorMan @ Sep 26 2023, 03:47 PM)
How do I know statement balance? App only show me outstanding balance. My statement also show me outstanding balance. Just wanna pay statement blaance
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user posted image
cybpsych
post Sep 28 2023, 10:10 PM

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QUOTE(GymBoi @ Sep 28 2023, 09:41 PM)
Hi bro, sorry don't understand? So it happened before? Probably broke again now? I mean if it's fixable and they will reimburse later then ... ok i guess ...
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previously, those with 26th statement date were missing cb for few months already. this month's 26th statement, seems to be fixed.

but yours is 22nd, so suspected to be broken like previous-26th.
cybpsych
post Sep 29 2023, 07:04 PM

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QUOTE(liangzai84 @ Sep 29 2023, 06:51 PM)
My cc application for RHB Visa Signature using FD Pledge of RM4k has been declined. How should i proceed from here? Reapply again by increasing the amount of my FD fledge?
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why did you pledge 4k at the first place? RHB advised so?

if yes. then rhb couldn't fulfill the criteria to approve you. try next time probably after credit score improves or higher income.

if no. increase FD pledge amount may help. but are you that desperate to get this card while locking your money away?
cybpsych
post Oct 1 2023, 09:24 AM

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QUOTE(marukopi @ Oct 1 2023, 09:20 AM)
Anyone already try to apply the new RHB White card? Care to review?

https://www.rhbgroup.com/CreditCard_ApplySp...dGet/index.html
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why?

it's the same Rewards card anyway


cybpsych
post Oct 1 2023, 09:28 AM

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QUOTE(marukopi @ Oct 1 2023, 09:25 AM)
i see, just the design is different then
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yep, previously did some other designs too

reference https://ringgitplus.com/en/blog/credit-card...redit-card.html
cybpsych
post Oct 13 2023, 10:22 AM

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QUOTE(enriquelee @ Oct 13 2023, 10:19 AM)
This month my RHB shell CC no more cash back, any potential or already known reason which I miss out?
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mine no issue

got max for both shell/shell-i cards
cybpsych
post Oct 17 2023, 10:38 AM

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QUOTE(loneranger80 @ Oct 17 2023, 10:25 AM)
Anyone know whether FPX via CC count toward the Monthly Total Spend?
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which card?

cybpsych
post Oct 17 2023, 11:08 AM

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QUOTE(MGM @ Oct 17 2023, 10:59 AM)
For sspn can FPX using cards like UOB Evol?

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why dont you try them now and share the results here?
cybpsych
post Oct 22 2023, 07:20 AM

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QUOTE(lkwah86 @ Aug 21 2023, 09:57 AM)
I tried to pump petrol via Shell Asia with shell cc, no cashback received
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QUOTE(geekfiredog @ Aug 21 2023, 05:20 PM)
Confirmed!  Payment through Shell Asia Apps not categorized as Shell Petrol spending.

Aug 9th and 17th paid through Shell Asia apps, while earlier 3 transactions done through pump terminal.  Only the earlier 3 transactions received 12% cashback.

user posted image
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QUOTE(geekfiredog @ Aug 21 2023, 05:24 PM)
I've my cc saved in apps - not sure if it works without any payment methods setup in apps.  But unlike Setel, still need to enter TAC when paying through Shell Asia apps with saved CC - done twice so far (and not getting cashback with RHB Shell CC ranting.gif ) and both transactions need to enter TAC.
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QUOTE(HenryJay @ Oct 21 2023, 10:06 PM)
May I ask does spending via the Shell Asia apps using RHB Shell Visa Card eligible for cash back?
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did you try to use Search function?
cybpsych
post Oct 23 2023, 08:05 AM

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QUOTE(effectz @ Oct 23 2023, 07:43 AM)
RHB app is down?
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no
cybpsych
post Oct 24 2023, 09:14 AM

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QUOTE(ineser @ Oct 24 2023, 09:12 AM)
I got cashback called "LEKAS" Cashback amounting RM 19.96.
Just wondering if this is for "Everyday Deals"?
On the months of July, August and September, I have reloaded total amounting RM 900.
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this? https://www.rhbgroup.com/lekas/index.html

This post has been edited by cybpsych: Oct 24 2023, 09:15 AM
cybpsych
post Oct 25 2023, 11:16 AM

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QUOTE(rko0504 @ Oct 25 2023, 11:11 AM)
Is 99 speedmart counted on grocery for RHB Shell?
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1) what is the MCC for 99sm?

2) what is the definition of "grocery" in RHB Shell T&C?

Then match (1) with (2)
cybpsych
post Nov 14 2023, 07:19 AM

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QUOTE(Barricade @ Nov 13 2023, 03:17 PM)
For shell card, does monthly balance transfer payment consider as part of spending to meet 2.5k?
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definition of "Monthly Total Spend" is here https://www.rhbgroup.com/files/personal/car...-Card_Terms.pdf
cybpsych
post Nov 14 2023, 09:48 AM

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QUOTE(beLIEve @ Nov 14 2023, 09:43 AM)
I can't beLIEve they include Kibbles' MCC 7372 as ewallet
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i guess they took all the MCCs recorded by known ewallets in the market

some are old, eg TNG ewallet was using MCC 4784, but not anymore:-

4784 Tolls And Bridge Fees -- due to TNG
4789 Transportation Services -- due to Grab
5310 Discount Stores -- due to Lazada
7372 Computer Programming, Data Processing, And Integrated Systems Design Services -- due to Kiple

4814 Telecommunication Services -- this is odd, havent encountered any known ewallets using this

This post has been edited by cybpsych: Nov 14 2023, 09:48 AM
cybpsych
post Nov 20 2023, 08:16 PM

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QUOTE(silvaco22 @ Nov 20 2023, 07:46 PM)
does anyone knows how can I cancel the life credit shield? who should I contact?
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bank lor

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