The cashback is based on Calendar month, right?  does it have to be posted before 30th of each calendar month?

If I spent on 30/5, posted on 1/6, it is counted in May cash back 7.8%?

Hi, if want to stop these ppl from calling me for cash loan, i need to call in to hsbc? Calling abit too frequent.

Wah, how to speak to their CS? Spent 10 mins pusing2 with the menu, stayed on the line, let them call back, stil can't speak to anyone

Yes agree.....call them and wait for few hours but still don't have any cs answer my call.....

Try again on working days bro.

I tried calling on last thursday night near midnite, waited for 1 hour like you, then i gave up.
The next day, tried morning around 9am, 945am a CS responded.

Good luck to you and others too.

PS - my CIMB mastercard CC also kana this morning.    But i was amazed with CIMB CS hotline, waited only 5 minutes then they responded. Immediately blocked my cimb cc card and they will send a replacement within 7-14 working days.

Same, I got strange call today, checked the app saw the transaction.

New card? I got it on my new pb Islamic visa platinum when I newly receive it. It gone after like few days, the visa provisioning seem legit and should be a function of visa card.

refer to https://almvest.com/visa-provisioning-service/

Ya that's what I am trying to said. Visa provisional service is recorded at 0 USD and it is legit as per what shared by someone above...... Yet you go to wrote I share wrong info, r you the 1 report my reply as well? If that's the case are the 1 share wrong info instead? Please don't simply comment when you not sure what I mean

Please get your fact right. As per my understanding visa provisioning service always charge at USD 0. Please enlighten me if you saw any visa provisional service that charge at RM......... You are right that it was used by bank network and some e wallet and in my case I do use e wallet. Someone above also mention at 0 is generally safe so don't simply comment when you yourself are not sure whether it is not safe or not. Don't see usd then be paranoid, again enlighten me when you saw any visa provisional service that charge at RM.......
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Yes, the drawback is it will impact CTOS score for sure. My CTOS score is just fair due to apply cancel apply cancel, but i dont really care either way. It might affect your loan applications. But not necessarily also, I got my loan approved just fine. If you do with 2 or 3 banks shouldn't be an issue. At one point I did for 5 and also no issue. Just that once Affin Bank rejected my application (non campaign application) because I had just applied for 3 other cards with promos.

If you don't plan to take car or housing loan within next 6 months, go crazy!

Those you mention are premium credit card. And usually premium credit cards come with some special perks that entry credit card do not have. Eg like concierge service, airport lounge entry, dedicated cc call line, etc.

Of course with the perks, some of the card charge you annual fee.

It is like just want to watch some news and local tv channel, you go for free service like TV3, TV2, TV1. But if would like to watch latest movie or drama, you subscribe Astro, Netflix, Disney+.

Kind of example.

It is a tier. Anyway, perhaps not all getting to enjoy all of the privileges provided by his or her premium cc. But that doesnt mean “no real life benefits”. Example like someone who fly frequently, i mean real frequent. So if he or she own an unlimited worldwide airport lounge entry, then he or she can have a good rest, nice shower, and some meals before the flight. This is kind of example “real life benefits”.

A good cc doent have to only have cashback, some perk is much better than cashback. And i am sure these perks, a classic card dont have.

And yup, dedicated call line for customer service. This one real good, you dont have to wait and listen to the music for so long before someone attend to your call😅. Especially you are in urgent matter.

Cheers.

May I know Amanah MPower Visa Credit Card's cashback is based on statement based or calendar based ?

It is easier to ask for SST waiver for HSBC?