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

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cybpsych
post Feb 3 2021, 08:45 PM

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QUOTE(sg999 @ Feb 3 2021, 08:24 PM)
No reply after sent all docs via email
Plan to visit rhb sales center already.
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how long since email?

just wait for them to call back to verify your docs and acknowledge
cybpsych
post Feb 5 2021, 02:57 PM

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QUOTE(g00glesYYl @ Feb 5 2021, 02:37 PM)
received the sms saying approved 2 weeks back. Until now, i still not received the card sad.gif
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call the bank.

it seems cards already printed/ready, but somehow branch didnt contact (NTB) users or havent received it from their card vendor.

if for delivery, no idea.
cybpsych
post Feb 6 2021, 07:46 AM

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QUOTE(sg999 @ Feb 3 2021, 08:24 PM)
No reply after sent all docs via email
Plan to visit rhb sales center already.
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QUOTE(sg999 @ Feb 3 2021, 11:33 PM)
48 hours. cry.gif
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QUOTE(sg999 @ Feb 6 2021, 12:08 AM)
RM0.00(RHB):Your credit card has been approved on 05/02/2021. The approved card is RHB Shell Visa Credit Card, please call 03-92068118 for inquiry.

Got verification call on yesterday 11am and got this msg at 6pm.
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not that bad la. guess really due to volume of applications sweat.gif
cybpsych
post Feb 8 2021, 02:24 PM

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QUOTE(pisang @ Feb 8 2021, 02:20 PM)
i recevied that SMS too. Let's see how long would it take to reach me.
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take the msg (template) with a pinch of salt.

it may be delivered to branch if you're NTB. that's what CS told me earlier.

as of last week, my branch said didnt get any cards from HQ/vendor, so it has been 2 weeks of unknown delay.
cybpsych
post Feb 9 2021, 01:33 PM

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QUOTE(lolypop99 @ Feb 9 2021, 01:26 PM)
hi peeps, if i apply a supplementary rhb shell visa credit card for my son, he will also entitle the same cashback benefits right ? meaning he and i will both get max rm 50 cashback capped each for the Groceries/online spend/utilities spend right ? thanks in advance
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yes, combined

https://www.rhbgroup.com/shellcard/files/RH...TC_FV-CLEAN.pdf

// 4.6. Both principal and supplementary Cardholder’s Cash Back will be accumulated to a maximum
limit of the respective MCC categories capping per principal Card account per month. //


This post has been edited by cybpsych: Feb 9 2021, 01:37 PM
cybpsych
post Feb 9 2021, 01:37 PM

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QUOTE(poweredbydiscuz @ Feb 9 2021, 01:35 PM)
Should be no right?
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unless my understnding incorrect, he wrote "both get max", not separately get max laugh.gif
cybpsych
post Feb 10 2021, 04:59 PM

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QUOTE(cybpsych @ Feb 8 2021, 02:24 PM)
take the msg (template) with a pinch of salt.

it may be delivered to branch if you're NTB. that's what CS told me earlier.

as of last week, my branch said didnt get any cards from HQ/vendor, so it has been 2 weeks of unknown delay.
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called branch, card already arrived. will collect tomorrow thumbup.gif
cybpsych
post Feb 10 2021, 05:32 PM

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QUOTE(Kyan0411 @ Feb 10 2021, 05:28 PM)
Submitted yesterday and received SMS today that it is approved. Wasted so much time cause the sales staff didnt reply my email whether they have received the docs
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they didnt call back to verify the application form details?
cybpsych
post Feb 16 2021, 02:04 PM

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QUOTE(plouffle0789 @ Feb 16 2021, 02:01 PM)
The code keep changing????
How come?
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cybpsych
post Feb 16 2021, 02:06 PM

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QUOTE(plouffle0789 @ Feb 16 2021, 02:03 PM)
RM1,500 - RM2,500

If no use rm1500,no 8 percent shell petrol discount???
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read the table https://www.rhbgroup.com/shellcard/index.html
cybpsych
post Feb 19 2021, 10:04 PM

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QUOTE(!@#$%^ @ Feb 19 2021, 09:16 PM)
maybe same unscrupulous agent. or maybe all of them are like that.
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definitely not all la sweat.gif

some may take advantage or probably my income not "juicy" for them laugh.gif

my agent seems to be honest. so far, registered the card based on my application and honored my consent on promo/marketing (no), additional cards (no) etc during phone call verification.

so far, all is peaceful and quite from rhb thumbsup.gif
cybpsych
post Feb 20 2021, 12:21 PM

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QUOTE(pwlow @ Feb 20 2021, 12:03 PM)
For 1st RM50 swap upon activation in T&C  mention not for utility, but paying TNB thru https://www.mytnb.com.my/ consider as utility or online ?

user posted image
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both

avoid tnb or any utilities entirely, from any channels
cybpsych
post Feb 22 2021, 08:46 AM

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question to existing rhb/rhbnow users biggrin.gif

does eStatement available on BOTH email and rhbnow?

seems like we can only choose either 1 option, based on RHB's faq https://www.rhbgroup.com/general-info/faq/e-statement.html

so far, i've received eStatement in email, but not in rhbnow.
cybpsych
post Feb 22 2021, 09:14 AM

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QUOTE(ClarenceT @ Feb 22 2021, 08:52 AM)
Mine only email statement (with password protected).
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noted. thanks for sharing!

QUOTE(ClarenceT @ Feb 22 2021, 09:08 AM)
First time seeing my RHB-Shell CC number from monthly statement, 0000-xxxx, so less than 1000 conventional cards had been issued before CNY.
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yep, quite low. probably some backlogs in printing.
cybpsych
post Feb 22 2021, 09:50 AM

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QUOTE(extinct_83 @ Feb 22 2021, 09:47 AM)
Morning - May I know the cashback is usually calculated based on posting date or transaction date? Say I did my transaction on 20th but posting date on 22nd Feb (and it is also the statement date). So the allocation of cashback is still base on this statement or coming statement in March?
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https://www.rhbgroup.com/shellcard/files/RH...TC_FV-CLEAN.pdf

// Note: The cut-off date for cash back calculation and crediting is based on one day before the statement cycle date. Anything after will be credited into next statement cycle. //
cybpsych
post Feb 22 2021, 10:25 AM

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QUOTE(cybpsych @ Jan 21 2021, 04:56 PM)
should be yes

however, i noticed some Shell outlet having description "SELECT-SHELL xxxxxx" wonder still considered or not.

the card's T&C only stated "SHELL" as the merchant description
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QUOTE(cybpsych @ Jan 25 2021, 05:22 PM)
just gotten callback from SCB that one of Shell station that i visited carries a description of "SELECT-SHELL xxxxx" (probably depending on locations) which may not carry MCC 5541 (petrol service station).

It's categorized as food store or something; which is why it keeps missing my monthly petrol cashback for JOP's Petrol. SCB still grant manual cashback regardless.

just be mindful if swiping at Shell stations (not petrol kiosk).
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those who plan to use RHB-Shell card to reload TNG card at Shell station (location: Jalan Kuchai Lama - Tanjung Kota Enterprise)

Merchant description: SELECT-SHELL TANJUNG KUALA LUMPUR MY

They are using MCC 5499: Misc. Food Stores – Convenience Stores and Specialty Markets

very likely not eligible for RHB-Shell's Shell petrol cashback, but good for other cards (e.g. PB Quantum Visa -- confirmed by CS eligible for wave cashback, but to be verified in March statement later)
cybpsych
post Feb 22 2021, 02:59 PM

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QUOTE(rojakwhacker @ Feb 22 2021, 02:42 PM)
Petrol > not eligible. I guess can only do shopping in supermarket. laugh.gif

First transaction minimum RM50 > RM25 cashback.

Subsequent transaction minimum  RM50 > 10% cashback.

Next transaction > shell > 30% cashback until 31 July 2021 > need further details.
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be mindful on the 30% biggrin.gif

you still need to hit min RM2.5k to get 12% (monthly) + 18% bonus cashback = total "30%" cashback laugh.gif



i wonder if the 10% cb only excludes specific ewallets (Grab, Boost, TouchnGo, Lazada, Shopee, BigPay). wont know results until mid-Aug sweat.gif
cybpsych
post Feb 23 2021, 11:58 AM

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QUOTE(pisang @ Feb 23 2021, 11:49 AM)
So they are using the increment number 0000-xxxx ? For example, if the card is 0000-1000, means this is the 1000th approved card? smile.gif
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digit 16 is not used for count. it's a check-digit.

digit 1-6 is the BIN. some banks already migrating to 8-digit BIN (digit 1-8), which will be enforced (industry-wide) starting Apr 2022 (effective for new card numbers, old numbers can be maintained with 6-digit BIN or migrate to 8-digit BIN).

rhb shell cards are now with bbbb-bbbb-0000-xxxC , whereby up to 999 card numbers can be generated (assuming still maintaining 0000-xxxC)


by right, they should randomize the number generation within a specific number range instead of incremental count. mega_shok.gif

This post has been edited by cybpsych: Feb 23 2021, 12:01 PM
cybpsych
post Feb 25 2021, 11:49 AM

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QUOTE(rojakwhacker @ Feb 25 2021, 11:39 AM)
Question on RHB Shell Visa credit card, for RM2500 total Monthly spend to get 12% cashback. See example below, is my understanding correct?

For example:
Statement Date: 15/2/2021,
Paid outstanding before next spending.

Month: February 2021
16~28/2/2021 - spend RM2500 ewallet

Cashback RM50 on statement date 15/3/2021
Total outstanding amount on statement 15/3/2021: RM4000 - RM50 = RM3950.
Note: RM4000 = RM2500 ON February spent + RM1500 on March spent.
Month: March 2021
1~14/3/2021 - spend RM1500 ewallet
16~31/3/2021 - spend RM1000 ewallet

Cashback RM50 on statement date 15/4/2021
Total outstanding amount on statement 15/4/2021: RM1000 - RM50 = RM950.
Month: April 2021
20~30/4/2021 - spend RM2500 ewallet

Cashback RM50 on statement date 15/5/2021
Total outstanding amount on statement 15/5/2021: RM2500 - RM50 = RM2450.
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cb follow statement cycle (txn posting 1 day before)
cybpsych
post Feb 25 2021, 11:57 AM

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QUOTE(rojakwhacker @ Feb 25 2021, 11:55 AM)
https://www.rhbgroup.com/shellcard/files/RH...TC_FV-CLEAN.pdf
Under 4.2

1)
Because i saw the word 'Total Monthly Retail Spend (RM)' instead or Total Retail Spend. So i assume have to spend RM2500 per month to trigger 12% tier cashback.

2)
Note: The cut-off date for cash back calculation and crediting is based on one day before the statement
cycle date. Anything after will be credited into next statement cycle.
My understanding is cashback calculation but does not say the tier spend calculation or did i missunderstanding.
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// "Monthly Total Spend" means the total amount (in RM) spent monthly by the Cardholder as reflected in the monthly statement of the principal Cardholder which includes all retail spending. //

i guess "monthly" is a loose term related to your monthy statement rather than calendar month

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