Gen-X did a mini review

http://generationsxyz.blogspot.my/2015/10/...cards-in_8.html

and a little here

dont have to pay. if i'm not mistaken, uob is not too strict on this.

same happen to my Vox. wrongly-charged amount is in current statement, but the refund amount is in unbilled.


i just pay whatever outstanding. so far, no finance charge.


CIMB however must die-die pay statement balance, else kena charge.

This post has been edited by cybpsych: Apr 21 2016, 01:58 PM

my idea is the same. that's why i only paid the difference. just be mindful on cimb

should've stated it earlier, right? lol

well, some users got slapped with finance charge due to this perhaps due to specific condition only it's charged

obviously i didnt open your attachment lo

call the CS number behind your card.

tell them to set RM1 SMS notification for all your MBB cards.

cashback is credited into your credit card account that you earned from.

it will reduce the oustanding balance.

how does the GSC RM8 Visa Checkout Promo works?

I registered cc in visa checkout, but upon payment (before [Confirm]) the charge is normal ticket price.

1) when will see the RM8 price?
2) what is the merchant name captured? visa san francisco or gsc?

p/s: Today is the last Friday of the promo. It's barely after 12am, so the price not reflected because over quota? or end of promo?

This post has been edited by cybpsych: Jun 3 2016, 12:19 AM

darn. i tried both times at 12+am (testing) and just now 755am (purchased liao).

showtime is for tomorrow. but from the t&cs, it stated any screen time, it doesnt mention advance ticket not applicable

**update: ok my suspicion is true. only same-day showtime ticket purchase. well, the quota already finished few minutes ago when i tried again to test



This post has been edited by cybpsych: Jun 3 2016, 08:40 AM

thanks

it's ok la, i used HLB Mach to get 10% Movies cashback. a litttle comfort is that the final merchant name is GSC, so it's still eligible for cashback

it depends to each individual bank's assessments lor.

what works (or doesnt work) for you may not be applicable to others; and vice versa.

how come you have 5 existing cards but none can cover uob vox or pbb vs?


i have 5 (m2card, cimb cr, hlb wise, uob vox, mbb ikhwan) before approved for pbb vs (whilst applying house loan from pbb & cimb!)

This post has been edited by cybpsych: Jun 9 2016, 01:47 PM

read this https://forum.lowyat.net/topic/3802637

there are list of tested merchants/channels.

submit asap, i'm sure online transaction can be used for dispute filing. do check back with CIMB.


how did you find out the fraudulant transactions? from online banking? not the moment it was used?

if yes, that means transactions already posted in the account (after actual transaction transacted), so dispute form is to be submitted for them to investigate. will take some time to reverse (if valid) though.

after that...

i'd suggest you call CIMB CS to set SMS transaction limit to RM1.00 for all your CIMB cards.

that means, any usage of RM1 and above, will trigger you via SMS. then you have the time to react by calling CS immediately to freeze the transaction before being posted into the account. it's less tedious this way.

do this after you've received new replacement card from CIMB.

use cdm or giro from other banks --> mbb credit card account.

depends on the bank.

these are the dates (could've a bit more) that i've gotten:

MBB Credit Card Bill Cycle Dates
3 6 8 12 14 18 21 24 26 28 EOM

HLB Credit Card Bill Cycle Dates
1 2 3 4 5 7 11 16 17 19 20 22 23 25 26 29 30 31

UOB VOX Card Bill Cycle Dates
3 13 14 15 16 17 21 23 24 25 26

you cant just pick a date the bank doesnt have, so pick something near your preferred PDD (payment due date).


fyi, PDD = bill date + 20 days.


imo, i prefer bill date in early of the month, so that PDD always on a fixed day within same month. e.g. bill date = 3, pdd = 23.

if my bill date slightly later, the pdd already cross to next month, hence always +/- 1 day difference, which is a annoying to track . e.g. bill date = 15, pdd = 4 or 5, depending on the month. however, there is always a slight grace period of 1-2 days after PDD that you can still pay without getting interest charges.

if bill date on Feb, the pdd date in March will much further away since Feb has shorter day count


to track pdd, statement always stated the date. or my simple rule: bill date & pdd = within same month.

my guess is jompay is MCC-less. and most cards are giving cb based on MCC

bump you to general questions...

1) epp, yes why not. as long as not exceeding CL.

2) your cc statement amount = amount charged by merchant. you need to work out the payment with the merchant. whether merchant i) charge rm5398 to your cc, then give you rm700 in cash (he buy your phone in cash-term), or ii) charge RM4698 amount to your cc. both options depends on the merchant.

of course maybank authorized merchant that offers 0% EPP. always ask about EPP options available. usually they carry few banks EPP.

shouldnt be any issue.

i've gotten my 2nd house loan early this year and already gotten the following cards since:

1) uob yolo (indirect application as they called me)
2) mbb ikhwan visa (walk-in maybank card centre)
3) 3x pbb vs (1 principal + 2 supp) via email
4) aeon big visa (walk-in aeon credit service centre)

all approved easily.