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

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LostAndFound
post Aug 1 2023, 03:33 PM

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QUOTE(ronnie @ Aug 1 2023, 03:31 PM)
Finally after 2 months receive the call for 0% Cash Installment plan for 12 months.... is it a good deal ?

Would the monthly installment count into the "RM2500 monthly spend requirement" for RHB Shell Visa ?
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Good deal, but unlike affin (which is statement balance) RHB is smarter, must be spend. Cash installment amount is excluded.
LostAndFound
post Aug 2 2023, 02:36 PM

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QUOTE(Haloperidol @ Aug 1 2023, 05:12 PM)
But Affin capped at RM 50 max, while RHB gives 100 , almost doubled from the quota (if u include shell)

Wonder RHB-FPX can give 0.2% as rebate ?
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I'm not comparing which is better, just explaining the question you asked. RHB looks at spend, not statement balance. So BT excluded.
LostAndFound
post Aug 8 2023, 09:10 AM

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I got RM20. Anyway to check which categories was this for? I suspect no way to get the petrol one leh, I pump 7+am also don't seem to have gotten. Also many dining transactions >RM50.
LostAndFound
post Aug 10 2023, 09:14 AM

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QUOTE(fruitie @ Aug 9 2023, 08:15 PM)
Today was my first time receiving calls from RHB to remind me about payment. My due date is only on Friday. Honestly, I don’t appreciate such calls and I told them not to call me again next time as I will set reminders to make payments.

Is this something new from RHB?
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Surprising, my due date tomorrow and they haven't call. If they call I will ask them to fix their stupid new website which doesn't allow schedule payment to own CC unlike to other bank CC.
LostAndFound
post Aug 18 2023, 08:30 AM

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QUOTE(songokujames @ Aug 17 2023, 02:59 PM)
I mean pump at 12am-1am. Lol, 8am sure finish quota.
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Every week purposely drive out at midnight for this reason?
LostAndFound
post Aug 21 2023, 10:03 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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What is Shell Asia?
LostAndFound
post Oct 20 2023, 08:31 AM

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QUOTE(lowyat101 @ Oct 19 2023, 05:38 PM)
haha ya it's an honour to be invited, to a certain extend.

but hopefully they will not lock the room until someone has agreed to sign up  tongue.gif
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If you very free just go and get the voucher or whatever they offer. They really hard sell one - super annoying. Those plans aren't really worth it unless you already plan to every year holidaying to those type of place (if you're the 'airasia + airbnb' sort they super not worth it, better you take longer holidays to different places).
LostAndFound
post Dec 24 2023, 03:27 PM

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QUOTE(Ancient-XinG- @ Dec 24 2023, 12:37 PM)
anyone applyin pls reject the credit shield.

its ridiculous. it charge my cash xcess as my outstanding amount.

really speechless.
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Why did you accept it in the first place? You like paying extra?
LostAndFound
post Dec 26 2023, 10:21 AM

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QUOTE(Ancient-XinG- @ Dec 25 2023, 10:57 PM)
no la i just accept since it is charged on outstanding balance. and i always ensure mysefl to pay fully to statement balance thus it wont be charge.
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You do realise outstanding and statement balance are different? Obviously cashxcess and similar are outstanding (amount which you owe to the bank in total) even if they take a while to show up on your statement (amount which you must pay by a specified due date).

Cannot brain to 'just accept' something which gives minimal benefit but costs you real money. Cancel it quickly.
LostAndFound
post Jan 8 2024, 09:03 AM

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QUOTE(szenyee @ Jan 6 2024, 09:20 PM)
Yes, I knew. I saw someone shared in other group that she used RM150 per month on petrol too. But she has way or tips to spend RM417 per month without causing her to increase her normal spending. But she is hesitate to share the tips. So, wondering anyone here can share any tip here or via PM.
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Someone mentioned before - stand at the shell station waiting for those who plan to pay with cash, then offer to swipe for them.

I don't think most of us got such time (or muka so tebal).
LostAndFound
post Jan 26 2024, 10:35 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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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).
LostAndFound
post Feb 11 2024, 10:55 PM

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QUOTE(fruitie @ Jan 26 2024, 02:39 PM)
I paid Jompay (>RM 2.5k) with RHB Shell Visa and then spent RM 1k on e-wallet, got full RM 50 cash back. biggrin.gif
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This one you did via RHB website?
LostAndFound
post Feb 17 2024, 10:14 PM

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QUOTE(LostAndFound @ Feb 24 2023, 11:02 PM)
Anyone using the Smart Account-i current account and had a transaction called RHB Retail Deposits Reflex-Autocredit? What's that for?
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LOL just got this transaction again... so weird.
LostAndFound
post Apr 12 2024, 09:56 AM

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QUOTE(Ongking @ Apr 11 2024, 12:43 PM)
If use rhb app, top up tng ewallet rm100 pin
This rm100 consider rm2500 spending monthly?
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Is the spend from your savings/current account or from your credit card?
LostAndFound
post Apr 14 2024, 09:10 PM

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QUOTE(chong6998 @ Apr 13 2024, 07:36 AM)
Consider spent
But 0 cashback for visa shell card
0.2 percent for visa signature
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0 cashback but contribute to the minimum 2.5k spend?
LostAndFound
post Apr 17 2024, 09:20 AM

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QUOTE(chong6998 @ Apr 17 2024, 08:22 AM)
Not exactly sure, i mainly reload boost for 2.5k
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So you reload 2.5k... and then the tng pin was above 2.5k? Meaning spend total 2.5k without counting the tng pin via rhbnow app?
LostAndFound
post Apr 19 2024, 04:12 PM

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QUOTE(chong6998 @ Apr 19 2024, 09:42 AM)
1st month i test reload pin and boost, less than rm2.5k, only hav cashback for boost

2nd month onward, i reload rm2.5k boost only
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The amount you spent in 1st month is not reach 2.5k (counting pin and boost)? Then we don't know whether that reload pin counts towards 2.5k spend.
LostAndFound
post Apr 19 2024, 04:46 PM

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QUOTE(chong6998 @ Apr 19 2024, 04:27 PM)
user posted image

you can always try urselve or ask other use in fb group
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Thanks. I guess I will test something similar, put RM2400 in other spend (normal spend) and RM100 reload pin. Max lose RM2 cashback if it is not count as spending.
LostAndFound
post May 29 2024, 03:42 PM

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QUOTE(ronnie @ May 28 2024, 05:53 PM)
nothing sensitive but card number and transactions

All these data already leak by banks to 3rd party already lo.
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Just because your front grille lock is broken doesn't mean you need to open the gate wide.
LostAndFound
post May 30 2024, 09:15 PM

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QUOTE(ronnie @ May 30 2024, 09:21 AM)
https://smallpdf.com/blog/is-smallpdf-safe

Is Smallpdf Safe?

The safety of your data is of the utmost importance to us. Every step of the way, your documents are protected by TLS encryption, secure European servers, and your own control over them. We strive to provide you with an extensive, easy-to-use, and secure service that helps you to get things done without hassle. But don’t just take our word for it: TrustRadius named Smallpdf the top-rated Document Management System 2019. Read more about the award and its significance here. Plus, we have the ISO certification to ensure the smooth running of our daily operations, and keeping files safe for 25+ million monthly users.

“Is Smallpdf Safe?” is an important and justified question and we hope to have given you all the information you need to conclude that Smallpdf is the right service for you.
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TLS encryption is to prevent man-in-the-middle.

European servers are secure... for Europeans. They got no responsibility to protect non-Europeans (no action taken IF anything happen).

TrustRadius award... depends how much you trust these type of 'award' things.

ISO certification - only relevant to 'well documented', doesn't mean secure or not.

All marketing speak only. The fact is that you have to decide whether to trust them or not, no guarantee. None of the above says that they can be trusted (the first one just says no 3rd party can kacau your connection, but if they themselves got employee who messing with things.... I rather handle in my computer for anything which I care about (like bank info).

This post has been edited by LostAndFound: May 30 2024, 09:16 PM

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