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Credit Cards Public Bank Visa Signature v3, 6% Cashback On Grocery, Dining, Online

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cybpsych
post May 13 2016, 02:45 PM

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QUOTE(cybpsych @ May 6 2016, 09:57 AM)
ok, just got to know little nuisance being a new cardholder for PBB VS.

1) You only get your first statement when a complete cycle completed.

e.g.
I got my card on end-April, hence statement date set on th 4th (T+0).
I expect to receive statement on 5 May (T+1day), but till now dont have.
Called CS. CS verified that i will only get my 1st statement on 5 June.
Reason is my Day 1 (end-April) --> 4 May is not a full statement month, hence it will be combined to 4 June instead (system generate statement when full statement month completed, which is between 5 May --> 4 June)

2) It seems first cashback will be prorated as well. Not RM50. As told by CS lah.  hmm.gif

Annoyed with this because i've maxed RM883 spending before 4 May, expecting to get full cb on 5 May  laugh.gif But, CS said i wont get full RM50 since it wasn't a full statement month.

this one, to confirm later on 4 June later. see next point.

3) By 4 June statement, it would consists of ~1.5months unbilled transactions. I asked CS if i would get prorated CB (Apr) + full CB (May)? CS said No, because CB based on statement cycle, of which my actual statement only starts on 4 June.

this one also, to confirm on 4 June whether i will get >RM50 cb or max RM50 cb.  hmm.gif
i wonder if PBB's billing system is that smart/intelligent to split the cb calculation.  sweat.gif
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QUOTE(cybpsych @ May 7 2016, 05:55 AM)
lol mine already 1.6k and was waiting 1st statement until something wasn't right. then called CS only to find out this.

exaxtly,  this will be 1 time nuisance.
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QUOTE(cybpsych @ May 7 2016, 09:14 AM)
i already know the statement date from the letter delivered with the card itself.  biggrin.gif

problem is, 1st statement only generated after a full complete cycle. so, 1st cycle will always be partial, and u need to wait until next cycle to get your 1st statement.

e.g.

Statement Date: 4th of the month

Approval Date: 24 April 2016
1st Cycle: 4 May 2016 <-- no statement because of incomplete cycle (partial)
2nd Cycle: 4 Jun 2016 <-- 1st statement will be generated, but will consists of ALL transactions from 24 April --> 4 June.
nope, never encountered from mbb, rhb, hlb, and cimb.  laugh.gif they all generate 1st statement exactly on the statement date, regardless of complete/incomplete cycle.
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QUOTE(michaelho @ May 13 2016, 02:41 PM)
didnt get my first stmt this month so called up and ask PBB . Told me for new cards they will only bill Apr & May  spending in June. So I asked about the 6% rebates. She said will only be entitled to one time rebate of Rm50. Dang, I already fulfilled RM833 x 2 leh....  mad.gif

First time heard of such things . Anyone can shed some light ?
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i found out the same as well.

also have spent 1.6k for both April statement month (partial) and May (full). based on CS, expected to get RM50 cb only.
Human Nature
post May 13 2016, 02:47 PM

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actually i recall something like that but already buried in v1
michaelho
post May 13 2016, 02:52 PM

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QUOTE(cybpsych @ May 13 2016, 03:45 PM)
i found out the same as well.

also have spent 1.6k for both April statement month (partial) and May (full). based on CS, expected to get RM50 cb only.
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Thanks. So busy these days , I didnt read the past pages. Macam ini pun ada, after holding credit cards over the years ... never came across anything like this. Lesson worth RM50 learnt smile.gif

cybpsych
post May 13 2016, 03:11 PM

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QUOTE(Human Nature @ May 13 2016, 02:47 PM)
actually i recall something like that but already buried in v1
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QUOTE(michaelho @ May 13 2016, 02:52 PM)
Thanks. So busy these days , I didnt read the past pages. Macam ini pun ada, after holding credit cards over the years ... never came across anything like this. Lesson worth RM50 learnt smile.gif
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this info should be in post #1 biggrin.gif to remind new cardmember.
wan7075
post May 13 2016, 03:19 PM

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QUOTE(cybpsych @ May 13 2016, 02:45 PM)
i found out the same as well.

also have spent 1.6k for both April statement month (partial) and May (full). based on CS, expected to get RM50 cb only.
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mean only can swipe 833 x1 before the statement is ready?
cybpsych
post May 13 2016, 03:24 PM

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QUOTE(wan7075 @ May 13 2016, 03:19 PM)
mean only can swipe 833 x1 before the statement is ready?
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seems like it.

1st statement only be generated if full statement month. hence, the moment you get the card, that particular statement month is actually partial, hence no statement, so no cb.
sogood
post May 13 2016, 09:21 PM

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Received new PBB VS card which is to replace my existing one.

This time need to provide our desired PIN to activate the card via IVR, purpose is to comply with pin-and-pay security protection. See www.pinandpay.com.my for details.
laymank
post May 14 2016, 12:42 AM

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QUOTE(sogood @ May 13 2016, 09:21 PM)
Received new PBB VS card which is to replace my existing one.

This time need to provide our desired PIN to activate the card via IVR, purpose is to comply with pin-and-pay security protection.  See www.pinandpay.com.my for details.
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i actually prefer it this way : create PIN to activate your card. By so doing, you are definitely done with PIN selection.
So much better than "Going to ATM and change...."
chrisoth80
post May 14 2016, 08:21 AM

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QUOTE(cybpsych @ May 13 2016, 09:42 AM)
uobpayonline

dont use posonline as there will be 2% fee of the paid amount and 6% gst ontop of the 2% amount
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How about paying unifi via Jompay?
cybpsych
post May 14 2016, 09:15 AM

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QUOTE(chrisoth80 @ May 14 2016, 08:21 AM)
How about paying unifi via Jompay?
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why dont you use uobpayonline to pay Unifi? hmm.gif
leo_kiatez
post May 14 2016, 10:01 AM

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QUOTE(cybpsych @ May 13 2016, 02:45 PM)
i found out the same as well.

also have spent 1.6k for both April statement month (partial) and May (full). based on CS, expected to get RM50 cb only.
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If you perform BT on that period, it's something very nice coz u get to delay payment on your 1st BT installment for another 1 month. Lolz
cybpsych
post May 14 2016, 12:18 PM

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QUOTE(leo_kiatez @ May 14 2016, 10:01 AM)
If you perform BT on that period, it's something very nice coz u get to delay payment on your 1st BT installment for another 1 month. Lolz
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i doubt there's any 0% BT for <2k outstanding, except Aeon CCs biggrin.gif
DarReNz
post May 14 2016, 01:18 PM

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QUOTE(Marcian @ May 13 2016, 09:30 AM)
You guys use Posonline or Payonline for utility bills such as Unifi, TNB, etc?  Both also give 6%?
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use posonline to pay for aeon credit cards only nod.gif
mcricky
post May 14 2016, 01:42 PM

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QUOTE(cybpsych @ May 13 2016, 03:24 PM)
seems like it.

1st statement only be generated if full statement month. hence, the moment you get the card, that particular statement month is actually partial, hence no statement, so no cb.
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I think this is the reason I don't get CB for my supp card...sad
sentry68
post May 14 2016, 02:46 PM

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QUOTE(wan7075 @ May 13 2016, 03:19 PM)
mean only can swipe 833 x1 before the statement is ready?
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Had the same issue when I first got my card last year. My first statement only came after ~ 1.5 months where I had exceeded the RM60 (it was the monthly cap back then) cash back. I did write in to complain mentioning that I would have gotten higher cash back should they issue the statement for the partial month, and PBB credited the cash back amount I disputed.

No harm to give it a try!

cybpsych
post May 14 2016, 06:54 PM

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QUOTE(sentry68 @ May 14 2016, 02:46 PM)
Had the same issue when I first got my card last year.  My first statement only came after ~ 1.5 months where I had exceeded the RM60 (it was the monthly cap back then) cash back.  I did write in to complain mentioning that I would have gotten higher cash back should they issue the statement for the partial month, and PBB credited the cash back amount I disputed.

No harm to give it a try!
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good one! thumbup.gif

can share the content of the complaint (minus personal info)? We'll use it as template to dispute with PBB devil.gif

fyi michaelho
sentry68
post May 15 2016, 01:51 PM

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QUOTE(cybpsych @ May 14 2016, 06:54 PM)
good one!  thumbup.gif

can share the content of the complaint (minus personal info)? We'll use it as template to dispute with PBB  devil.gif

fyi michaelho
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attached is my complain through email to PBB customer service in July last year, and I got my cash back credited on Jul 28

Attached Image
cybpsych
post May 15 2016, 02:10 PM

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QUOTE(sentry68 @ May 15 2016, 01:51 PM)
attached is my complain through email to PBB customer service in July last year, and I got my cash back credited on Jul 28

Attached Image
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good one there, thanks!!
michaelho
post May 15 2016, 06:43 PM

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QUOTE(cybpsych @ May 14 2016, 07:54 PM)
good one!  thumbup.gif

can share the content of the complaint (minus personal info)? We'll use it as template to dispute with PBB  devil.gif

fyi michaelho
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Yes, will try my luck smile.gif Thanks



QUOTE(sentry68 @ May 15 2016, 02:51 PM)
attached is my complain through email to PBB customer service in July last year, and I got my cash back credited on Jul 28

Attached Image
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Thanks a lot for the email smile.gif
wilson7847
post May 16 2016, 08:19 AM

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I'm the principle card holder now.
How do I apply for the supplement card? (I didn't apply during my 1st application)

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