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

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cybpsych
post Nov 25 2023, 07:13 AM

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QUOTE(icebryanchan @ Nov 24 2023, 11:02 PM)
Thanks, I was looking for this answer.

Cashback calculated based on statement cycle, not month cycle ( MBB does this unusual stuff ).

Putting hashtags to ease others to find answers.

#Transaction #Cashback #CalendarMonth #StatementCycle #Calculation
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thanks for the hashtags thumbsup.gif , but the forum already indexing all the words from our postings biggrin.gif

this is why, when we ask questions, it'd be best to write more details, and be specific.... instead of generic 1 liner question

when we reply also, write more details, with contexts and references, so that others like you and myself, can do a quick search easily using specific keywords.


p/s: write in full words/sentences instead of short gen-z/lay-z replies .... forum cannot search 2-letter words, must be at least 3 letters or more

This post has been edited by cybpsych: Nov 25 2023, 07:15 AM
cybpsych
post Nov 27 2023, 08:55 AM

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QUOTE(tlc7 @ Nov 27 2023, 08:44 AM)
What is this everyday cb
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current cycle RHB - Credit Card Everyday Deal
cybpsych
post Nov 27 2023, 10:44 AM

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QUOTE(weiseang72 @ Nov 27 2023, 10:39 AM)
hihi any idea Agoda booking will fall under Travel category or will in others category ? for the cash back category
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fyi

Agoda uses 2 differrent MCCs:

4722 Travel Agencies And Tour Operators
7011 Lodging – Hotels, Motels, Resorts, Central Reservation Services

cybpsych
post Nov 29 2023, 09:07 AM

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QUOTE(weiseang72 @ Nov 29 2023, 08:33 AM)
thanks for sharing, do you know klook fall under which category mcc ?
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4722 Travel Agencies And Tour Operators
7922 Ticket Agencies And Theatrical Producers (Except Motion Pictures)

cybpsych
post Dec 5 2023, 02:18 PM

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QUOTE(cybpsych @ Aug 29 2023, 09:05 AM)
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
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QUOTE(yujin86 @ Dec 5 2023, 01:45 PM)
for RHB Shell Cash back is following statement cycle? or month?
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cybpsych
post Dec 7 2023, 05:34 PM

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QUOTE(keong8867 @ Dec 7 2023, 05:10 PM)
the banker suddenly offer me this card, so I check the benefit, its like more for traveller. It collect points.Do you guys know this card , any special or hidden thing? It say the annual fee will be waive
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read the product features and t&c

if not suitable, don't bother accepting it

annual fee waiver, go read if got any automatic waiver condition. if not, ask banker to give guarantee it can be done in the future.

agents or bankers can promise anything without actual knowing how the product works. they want their commission and target. you are the one eventually liable to pay all the fees, eg sst, annual fee, etc
cybpsych
post Dec 8 2023, 10:40 AM

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QUOTE(rko0504 @ Dec 8 2023, 10:12 AM)
For RHB CC collect at branch, does it have due date to collect?
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suggest you collect asap to avoid package lost (in the branch), stucked somewhere, etc

branch may return it back to HQ if uncollected for some time (may be up to each branch's discretion to return)
cybpsych
post Dec 14 2023, 07:09 AM

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QUOTE(!@#$%^ @ Dec 14 2023, 05:47 AM)
so little?
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macam can be lower? biggrin.gif

Premier Banking Services | RHB Malaysia

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cybpsych
post Dec 15 2023, 12:45 PM

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QUOTE(lowyat101 @ Dec 15 2023, 12:21 PM)
received my replacement cc but can't seems to find the function to activate it, both with the app and online webpage. any idea how to do this besides using the sms/call?

thanks
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set/change pin?
cybpsych
post Dec 19 2023, 09:44 AM

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QUOTE(CP88 @ Dec 19 2023, 09:29 AM)
Hi,
For RHB Shell, is there a min swipe for the annual fees waiver? I know the 1st year is waived.

Thanks a lot.
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RHB Shell Visa Credit Card | RHB Malaysia
cybpsych
post Dec 23 2023, 06:03 PM

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QUOTE(bigduck @ Dec 23 2023, 05:44 PM)
For RHB Shell Visa, how to maximize CASHBACK OTHERS?
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anything outside of categories

why waste spending for OTHERS? no other cards meh?
cybpsych
post Dec 26 2023, 05:27 PM

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QUOTE(Yluxion @ Dec 26 2023, 05:23 PM)
Yupe. Can.

If you using Jompay to pay utilities bills, then you're sharing the cashback quota of RM 50.
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sure can get cashback if using Jompay?

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cybpsych
post Dec 27 2023, 08:26 AM

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QUOTE(jkngo2003 @ Dec 27 2023, 08:23 AM)
rm2500 spending requirement is follow statement date spending or calendar month spending?

thanks
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t&c clause 1.11
cybpsych
post Dec 27 2023, 12:43 PM

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QUOTE(azlim @ Dec 27 2023, 11:54 AM)
how many points required for RHB Credit Card Service Tax Fee Waiver?
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perhaps you can try yourself here...

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cybpsych
post Jan 6 2024, 09:47 PM

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QUOTE(szenyee @ Jan 6 2024, 09:25 PM)
I am wondering if this is the way. However, I checked with multiple Shell stations, they said only via cash for TNG PIN.
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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.
cybpsych
post Jan 7 2024, 07:43 AM

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QUOTE(contestchris @ Jan 6 2024, 11:04 PM)
What other "products or services" are you hinting at here?
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no hinting needed. go ask any shell station what other services they offer besides those on the shelves.

more important to know is whether they accept credit cards for non-physical goods.
cybpsych
post Jan 26 2024, 07:42 AM

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am existing rhb-shell cardholder

requested to apply new cc, submitted interest from rhb page (forgotten when, irrelevant biggrin.gif)

note: if you submit from individual card product info page (form below the page), seems like nobody is monitoring it. I retried from https://www.rhbgroup.com/ApplyandSpendCard/index.html , gotten response from staff.

24 Jan (1:35pm) - rhb staff called me to check my intention to apply cc. reconfirmed email address. received necessary forms (KYC Form and Product Form) to fill.

24 Jan (3:56pm) - replied with signed forms and supporting documents (photocopy mykad, latest EPF Statements 2024 & 2023, latest 3 months payslips, latest 3 months salary bank statement with name and acct no) rclxub.gif staff called back to verify submitted document details, etc

25 Jan - public holiday for Thaipusam

26 Jan (6:11am) - received welcome email. checked rhb portal, card already listed rclxms.gif

27-28 Jan - weekends

30 Jan (6:28pm) - received call from branch that card not arrived yet.

31 Jan (4:02pm) - received call from branch to collect card.

1 Jan - KL FT Day

2 Jan - collected from branch, activated by set pin @ rhb app, 1st use must be using PIN.


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This post has been edited by cybpsych: Feb 2 2024, 10:12 AM
cybpsych
post Jan 26 2024, 10:48 AM

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QUOTE(contestchris @ Jan 26 2024, 09:12 AM)
My RHB Shell Visa card credit limit increase was REJECTED!

...

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.

...
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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.

This post has been edited by cybpsych: Jan 26 2024, 10:49 AM
cybpsych
post Jan 26 2024, 11:37 AM

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QUOTE(contestchris @ Jan 26 2024, 11:27 AM)
Yes obviously, I'm just highlighting how there's been zero issues with other banks from that standpoint.
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diff bank has different formula and criteria to assess your scoring and eligibility.

just because bank A gives you great CL doesnt provide you a guarantee of the same with other banks. heck, banks doesnt even share nor standardize their policies which is internal p&c.

this is also another reason why banks doesnt disclose the rejection reasons too.


min income requirements are just min req to apply but doesnt guarantee approval either; which most users thought they "for sure" can get the card if income (alone) meets the min requirements.
cybpsych
post Jan 26 2024, 05:51 PM

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QUOTE(lowyat101 @ Jan 26 2024, 05:38 PM)
Interested to use the Shell app, just to check if the MCC is still the same to be eligible for the 12% RHB Shell cc cashback?

Thanks
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read back earlier posts from where you quoted above.

answers already there.

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