Now cashback is capped at RM50 then max spending cashback is RM 833 because still maintain at 6% cashback

This post has been edited by swong15: Jul 22 2015, 04:29 PM

(DGP) 12% CASH BACK BONANZA - WEEK 7

Ok what
That's why I pulled the trigger and apply for it

YES, got mine too, rm50.

Hi. Just want to check if I bought a phone from Online reseller with 12 months 0% interest free, will I able to claim the RM 50 rebate. Thanks.

i called CS and she told me principal and supplementary card entitled for 3x lounge access EACH.. but the website stated otherwise (combined principal and supplementary 3x).. can any experienced forumer enlighten me on this? Thanks.

Huhu.....i belive PBB will Not be so.generous....don expect too.much later lead.to disappointment...keke

Can't believe some ppl feel sad the max rebate is reduced to RM50. Given the fact that banks are reducing benefits every where this is still good. Be thankful guys.

for me hardly max out the cb even seldom reach 50 also

Agreed!

Yup for emergency cases. And sometimes I do have to go outstation, and have to buy flight tickets and hotels on my own first, before being reimbursed by the company.

And high credit limit for PB card is useful for balance transfer purposes. I usually convert any expenses above 1k into 12 months and 24 months instalment. I do have the money to pay all the expenses, but I keep it in FD and unit trusts in the mean time. . Get to earn some extra money.

And I set sms notification to rm1 for all my cards. So in case of fraud, I would know right away.

This post has been edited by Mr Gray: Jul 22 2015, 10:13 PM

Agree but one thing no good for high credit limit is will affect ur loan application suscess rate

Hmm, how does the bank calculate the exposure? . I've heard from friends before that they take a certain percentage from the CC limit. Is that true?

I am.not so sure.....but according to a fren work in mortgage loan....credit limit in cc is form of money u can access anytime therefore they will consider the miNimum payment of ur total credit limit if fully ultilise as ur monthly commitment.

Example.ur credit limit is 100k and if fully ultilised means one month u need to pay rm1500 minimum payment.....this rm1500 will deducted from 60% of ur monthly net income and the balance only used to calculate ur monthly affordability

Ur monthly income net is 10k. Then use 6k minus 1.5k left 4.5k to serve ur monthly repayment. Means ur loan monthly repayment cannot More than rm4.5k

Hi, just noted this change of T&C. I have done a few times of access to PPL with this card so far this year, each with >5x overseas transaction. May I know if I'm still eligible for the 3x free access this year based on the new T&C?

Thanks

i suggest you to confirm this point with the cs directly.

Yup, call up CS to ask and do share here. My guess is that the 3x counter starts from the effective date.

Received the unique code and successfully claimed the bag

I just received the code and finish claimed the bag too

congrats, share here when you received yours. i will too.