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Credit Cards Public Bank Visa Signature - 6% Cashback, On Grocery, Dining, Online Transactions
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jutamind
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Jan 2 2015, 06:44 PM
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so you mean the annual fees will be waived upon after 12 swipes, ie AF credited back to the credit card account? QUOTE(cybpsych @ Jan 2 2015, 03:54 PM) assuming no sudden changes by the Customs and BNM, the current service tax would be abolished. however, the annual fee is taxable under 2015's GST rate of 6%. This card's AF is RM388, which has RM23.28 GST. Total nett AF is RM388 + RM23.28 = RM411.28. most of us dont now yet how it affects CCs. To be safe, getting AF-free cards now is not a bad idea within coming months, all consumers would get notifications from services & goods providers on the GST inclusion into their pricing.
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poi2005
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Jan 6 2015, 04:18 PM
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QUOTE(victorywp @ Dec 22 2014, 07:26 PM) pbb revised some rules already: 1) minimum fd pledging is rm34k, no longer rm30k 2) credit limit is 90% of the fd amount, no longer 100% 3) stamp duty rm5 for every rm1k fd pledging amount, no longer rm10 stamp duty for the whole process Got my CC application approved yesterday (FD pledging). The credit limit given to me is 90% of the FD amount I pledged (in my case, is a gold card, not VS card). PBB website/pdf brochure still stating 1:1 ratio on FD pledging which is very misleading information.
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victorywp
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Jan 6 2015, 05:17 PM
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QUOTE(poi2005 @ Jan 6 2015, 04:18 PM) Got my CC application approved yesterday (FD pledging). The credit limit given to me is 90% of the FD amount I pledged (in my case, is a gold card, not VS card). PBB website/pdf brochure still stating 1:1 ratio on FD pledging which is very misleading information. how about the stamp duty for the gold card?
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cfa28
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Jan 7 2015, 11:48 AM
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Hi Guys, If I pay my Digi Bill via the OCS link, does that qualify as Online and entitled to 6% CB?
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poi2005
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Jan 7 2015, 01:51 PM
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QUOTE(victorywp @ Jan 6 2015, 05:17 PM) how about the stamp duty for the gold card? I paid Rm15 during application for stamp duty. No further charges so far.
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victorywp
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Jan 7 2015, 02:51 PM
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QUOTE(poi2005 @ Jan 7 2015, 01:51 PM) I paid Rm15 during application for stamp duty. No further charges so far. is your cl for the gold 3k? or more than that?
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poi2005
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Jan 7 2015, 06:04 PM
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QUOTE(victorywp @ Jan 7 2015, 02:51 PM) is your cl for the gold 3k? or more than that? Yes, is more than 3K if you refer to credit limit. I originally thought the amount pledged can get platinum (which I was told by the PBB CS that is possible), but anyway, at least got the card now. This post has been edited by poi2005: Jan 7 2015, 06:05 PM
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victorywp
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Jan 7 2015, 06:08 PM
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QUOTE(poi2005 @ Jan 7 2015, 06:04 PM) Yes, is more than 3K if you refer to credit limit. I originally thought the amount pledged can get platinum (which I was told by the PBB CS that is possible), but anyway, at least got the card now.  if that's the case, means that "stamp duty rm5 for every rm1k fd pledging amount" is not applicable for gold. only on pbb vs.
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cCyyCc
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Jan 7 2015, 09:57 PM
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Getting Started

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Eligible for Cash Back
1. [Grocery] The Co-operative - Union Street, Aberdeen, Scotland 2. Starbucks - Oxford Street, London, England 3. Starbucks - Union Street, Aberdeen, Scotland 4. McD - Harmondsworth, West Drayton , England 4. Dragon-I - One Utama
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HeHeHunter
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Jan 7 2015, 11:39 PM
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QUOTE(cfa28 @ Jan 7 2015, 11:48 AM) Hi Guys, If I pay my Digi Bill via the OCS link, does that qualify as Online and entitled to 6% CB? Yes.
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victorywp
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Jan 8 2015, 01:07 AM
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QUOTE(cCyyCc @ Jan 7 2015, 09:57 PM) Eligible for Cash Back 1. [Grocery] The Co-operative - Union Street, Aberdeen, Scotland 2. Starbucks - Oxford Street, London, England 3. Starbucks - Union Street, Aberdeen, Scotland 4. McD - Harmondsworth, West Drayton , England 4. Dragon-I - One Utama the first 4 times must be for the ppl purpose right?
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cfa28
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Jan 8 2015, 09:01 AM
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QUOTE(HeHeHunter @ Jan 7 2015, 11:39 PM) tks for the confirmation. No need to do auto debit cos less CB
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peri peri
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Jan 8 2015, 09:36 AM
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i did not know that Public Visa Signature actually got gold card version, hmmm something new
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HeHeHunter
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Jan 8 2015, 09:40 AM
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QUOTE(peri peri @ Jan 8 2015, 09:36 AM) i did not know that Public Visa Signature actually got gold card version, hmmm something new No... VS no gold version.
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peri peri
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Jan 8 2015, 09:45 AM
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QUOTE(HeHeHunter @ Jan 8 2015, 09:40 AM) No... VS no gold version. O.o but some forumers above keep mentioning about gold card by pledging and CL rm3000 something, i was thought this thread is about PB VS only.
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cfa28
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Jan 8 2015, 09:47 AM
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During my time, the ranking of was
Classic (Silver) Gold Platinum
Later increase to
Signature (or World Card for Master) Infinite
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peri peri
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Jan 8 2015, 09:50 AM
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QUOTE(cfa28 @ Jan 8 2015, 09:47 AM) During my time, the ranking of was Classic (Silver) Gold Platinum Later increase to Signature (or World Card for Master) Infinite yeah, hard to keep up to chase all this cards. Once work very hard until get a platinum, then suddenly signature come out, then platinum become middle income group. Now reach signature, but still feels like platinum status back than.
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cfa28
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Jan 8 2015, 09:53 AM
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QUOTE(peri peri @ Jan 8 2015, 09:50 AM) yeah, hard to keep up to chase all this cards. Once work very hard until get a platinum, then suddenly signature come out, then platinum become middle income group. Now reach signature, but still feels like platinum status back than. Banks come out with too many categories of people Masses - Poor People Mass Affluent - Middle Income Affluent - Upper Income High Net Worth - R1CH people
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peri peri
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Jan 8 2015, 09:54 AM
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QUOTE(cfa28 @ Jan 8 2015, 09:53 AM) Banks come out with too many categories of people Masses - Poor People Mass Affluent - Middle Income Affluent - Upper Income High Net Worth - R1CH people dayum, im still stuck in mass affluent.
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HeHeHunter
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Jan 8 2015, 10:24 AM
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QUOTE(peri peri @ Jan 8 2015, 09:54 AM) dayum, im still stuck in mass affluent. If you mass affluent, then I am ultra poor category.
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