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

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beLIEve
post Jan 25 2024, 03:19 AM

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QUOTE(contestchris @ Jan 24 2024, 11:26 PM)
Anybody received cashback for Everyday Deals Q4 2023 (non-Ecomm)?
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Me me me!

Same day as eCom
beLIEve
post Jan 25 2024, 02:09 PM

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QUOTE(contestchris @ Jan 25 2024, 08:04 AM)
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).
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EDAY DEALS CBK Q4

I also cannot tally my amount. I just assume I won 100% Offline spending and lost Online Thurs spending.
beLIEve
post Jan 25 2024, 03:48 PM

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QUOTE(contestchris @ Jan 25 2024, 03:00 PM)
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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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.

This post has been edited by beLIEve: Jan 25 2024, 03:50 PM
beLIEve
post Jan 25 2024, 05:20 PM

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QUOTE(contestchris @ Jan 25 2024, 04:34 PM)
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).
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I need to count again when I have the time. A bit busy this few days until early Feb as I have some deadline to meet. if Govt/Util is counted as eCom Tier 1, then I got excess for non-eCom.

I'll update you again.
beLIEve
post Jan 26 2024, 09:38 AM

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QUOTE(contestchris @ Jan 26 2024, 09:12 AM)
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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Depends on individual bank. CITI and Std Charted are well known to be very generous with Credit Limits.

Hong Leong is well known to reject my applications despite exceeding their requirements by a lot.
beLIEve
post Feb 3 2024, 06:24 PM

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QUOTE(Ongking @ Feb 3 2024, 06:01 PM)
When can get to know the everyday online 20 percent cashback?
I topped up on 19 dec 2023
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2024 Jan 12
beLIEve
post Mar 11 2024, 11:49 AM

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QUOTE(lowyat101 @ Mar 11 2024, 10:46 AM)
hi

wanna ask, for this everyday campaign, from previous experience, will 10am spending at groceries be too late to win?

thanks

[attachmentid=11492714]
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From Dec 2022, too late.

Not sure about now since it's like 15 moons after. Maybe people also fatigue with spending.
beLIEve
post Mar 29 2024, 04:24 PM

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QUOTE(Lonelybird @ Mar 29 2024, 04:01 PM)
Hi sifus,

i want to apply RHB CC because of the 0% BT.

Can i request CS to change the statement date after approval?

Coz i know some bank statement date is fixed. cannot change.

Thank you.
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And need to clear balance before change. This is what they told me a few years ago when i asked
beLIEve
post Mar 29 2024, 07:26 PM

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QUOTE(Lonelybird @ Mar 29 2024, 04:51 PM)
In that case, i should only request to change the date first before i apply balance transfer?

what happen if i apply balance transfer first then request to change statement date?
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I'm not sure about that. You'll have to ask RHB
beLIEve
post Apr 3 2024, 12:29 PM

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QUOTE(contestchris @ Apr 3 2024, 11:09 AM)
I requested for SST rebate. CS agent says I qualify but will take up to 2 months to credit the rebate.

Did you guys experience the same recently?
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Since the past 1-2 years
beLIEve
post Apr 7 2024, 08:18 PM

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QUOTE(guy3288 @ Apr 7 2024, 05:29 PM)
any body can help  what is this SMS from
62000 from RHB?

i  searched found nothing useful 
i mean no  0 fee BT
for existing  RHB card holder

is there a special Raya 0 fee BT for existing  card holders that i  missed?
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It says convert your transactions into installments, not BT
beLIEve
post Apr 19 2024, 05:54 PM

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QUOTE(cybpsych @ Apr 19 2024, 04:47 PM)
3) as expected, tng pin purchase from rhb portal does not give you cb (you didnt get 0.4 cb under Others category??), but good enough as filler spend  thumbup.gif
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Can determine good enough for filler spend meh? Include or exclude the T@NGo still less than $2500. But based on what he said, i think the subsequent one worked as filler.
beLIEve
post Apr 19 2024, 11:11 PM

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QUOTE(hbtmt @ Apr 19 2024, 10:33 PM)
Anyone experienced cashback (Cashback Everyday) miscalculation again this month? I called CS last month and got the adjusted cashback. This month, they still calculated wrongly... Plan to call customer service again...
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Cashback Everyday is not paid every month.
beLIEve
post Apr 20 2024, 10:34 AM

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QUOTE(hbtmt @ Apr 20 2024, 10:21 AM)
Wrote wrongly. I meant Cashback Bonus miscalculated. biggrin.gif Too many types of cashback, petrol, bonus, every day. Hahaha... Dunno what is cashback every day
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Everyday Cashback is RHB's campaign.
beLIEve
post Apr 24 2024, 06:01 PM

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QUOTE(geekfiredog @ Apr 24 2024, 05:42 PM)
My statement date is on the 19th of every month and I noticed over the last few of months, transaction on 17th will only be posted on the 19th - thus not counted as spending for that statement month.  Missed the > RM2,500 tier a couple of months.  Transactions done on other dates will be posted on the following day without fail.  Anyone has similar observation? 

Lesson learnt - will meet the >RM2500 tier 3 days before statement date  moving forward.    BTW - it's for Shell card.
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Posting depends on merchant. Mostly T+1, but occasionally T+2.
beLIEve
post May 6 2024, 11:28 AM

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QUOTE(lowyat101 @ May 6 2024, 11:02 AM)
Hi, wanna ask, for the Shell card, both the conventional and Islamic will have independent monthly cashback quota right? Meaning if I spend 2.5k including 420 at Shell station for each card, I will get RM100 cashback for each card respectively ya?

Coz now I'm having the VS + Shell card, wanna see if it's worth to cancel the VS and apply the Shell Islamic instead.

Thanks
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yes
beLIEve
post May 8 2024, 09:55 AM

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QUOTE(cilimerah @ May 8 2024, 09:32 AM)
What do you reckon gonna happen to shell visa card if Aramco take over?
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Rebrand to something like this

user posted image
beLIEve
post May 20 2024, 03:17 PM

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QUOTE(tweakity @ May 20 2024, 02:42 PM)
Does triggering Secure key approval in RHB App qualifies a transaction as Online? Asking in reference for Shopeepay saved card reloading. Not even sure if Shopeepay reload goes through directly or will it trigger Approval in RHB App
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Sometimes direct qualify as online/ewallet, other times sms. No secure key on my end yet
beLIEve
post May 20 2024, 04:10 PM

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QUOTE(tweakity @ May 20 2024, 03:31 PM)
Thanks for info. Meaning so far Direct topup Shopeepay without SMS also qualify as Onlne tx?
SMS a bit kuno. heh just like Alliance system.
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Yes

You are welcome
beLIEve
post May 24 2024, 12:02 PM

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QUOTE(strattos93 @ May 24 2024, 11:24 AM)
RM0 RHB Credit Cards/-i: Payday treat! Earn up to 15% cashback when you spend a minimum of RM500 from 24 May - 31 May 24. Info/T&C @rhbgroup.com/s/PD

i received this msg this morning, but when i look into t&c, no mention that ewallet not valid for spending, but i think this one only for retail spend?
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3.
The Campaign is open to all eligible principal applicants who
(a) apply for RHB Credit Cards/-i (collectively, “RHB Cards”) during the Campaign Period
/ eligible primary and supplementary cardholders of valid and existing RHB Cards

Red part confusing. Existing card can or must apply new card? Suitable for those who's willing to invest some ewallet quota or 1% to win 15%

Edit : The Campaign is open to all eligible principal applicants


This post has been edited by beLIEve: May 24 2024, 12:04 PM

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