mbb vs will solve this....(the only CB i cant max out )

off topic, but u can redeem the petronas card from maybank TP

Got max meh? 

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can consider free. redeem 12,500 for rm50 is normal for TP. or buy rm50 also for rm50 at petronas station.

Hi,

I guess someone might ask this question before, but I need your advice on this because I just get the card recently.

1. For 10 transactions above RM50, is it calculated from 1st day of everything until 31th? Or it is based on the monthly billing date of credit card?

2. Can some one help me to confirm if below payment can be used / count as 10 transactions to claim the cash back?

1. Auto debit from Insurance monthly payment.
2. Auto debit from TNB, TM
3. Auto debit from U Mobile / MAXIS
4. Using HLB internet banking to pay bill > RM50.

Thanks for your advice.

hi all,

i tried to search this in this thread, but couldn't find.

>>  is jaya grocer confirmed under grocery?

Just in case some trolls that still trying to insult me with baseless kopitiam post, here's a quote I got from someone
And just a friendly advise, if you guys want to do group bashing, do ask others that want to join change all the fact first, then it will be much easier on not to slapping own face for nothing.

Well, somebody want to slap their own face badly, if I quote my self, then it won't prove anything, so have to look for their gang's friend's reply to prove they are wrong.
But how come you all never align properly

Read and understand the T&C stated, be it online or hard copies from branch.
1. Nope, cash back is counted based on transaction posting date and depends to your statement cut off date. So your cash back period are shorter if the statement date is end of the month.
2. Do not use auto debit, as if every transaction cost rm200, you may end up with 0 cash back or lower cash back.
Using this STUPID card is you spend rm1000 or lesser only, not more than that.

Nope, it will, by delaying the posting date. This is what you said before.

I never take assumption at any 1 time.
And I don't know why, last time whenever I do the transaction nearing to end of the month, I always missed it, especially nearing rm100 quota.
If merchant do the closing on the same day, they will get the money on next day afternoon under office hours.
And I had a Caltex transaction that delayed for 9 days, where merchant got his money on second day. So is happen on HLB usually.

There is a slight difference between transaction/swipe vs merchant claim from bank vs posting to CC account.

In each swipe, the transaction is captured by bank. This transaction is left unclaimed (floating) for 7 days. The merchant need to claim this transaction. Once claimed, only bank can post it to your CC account as successful swipe. If left unclaimed past 7 days, the transaction is failed and removed from your account.

Add on another 1-day delay for HLB Connect to refresh the account details.

Posting delay with HLB sometimes a double-edged "feature". Good to shift the swipe to next calendar month/bill date (u swipe today but wanted it to get posted later). Bad if you're betting the transaction to be posted in current calendar month (to hit 10x RM50 swipes).

I'm with the former method, usually swipe on bill date or last day of the month so that it get posted for next bill or next calendar (cashback reset) if cb already full. I'm buying time to repay the bill

i know this is an open ended question. but may i know this card or maybank amex is better? anyone have experience using both? iven ever use cc, applying now just for convenience sake. i dont use for petrol .

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Guys, regarding the payonline website, if i pay multiple bill in one transaction, at the end only 1 transaction count will show in my HLB bill?

Thanks for the answer.
Just get my card few days back and i just realise i am receiving platinum card which i have to pay RM300 AF
Any successful card downgrade case before?

squeezing the max benefit from bank and without letting them to earn any extra, i suppose that's bad customer in term of bank perspective? 

haha, I only use 2 category, hard to count so nvm.

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