question is....?

min placement RM35k. you cannot just uplift/withdraw FD after gotten the card. you're basically pledged/locked the FD amount to the bank for as long as you use the card.

to get the FD fund back, cancel the card.


ultimately, the real question would be, whether it's worth locking your RM35k money just to get a card.

what if emergency to use 35k? why not just put 35k to a proper FD with promo rate, you'll get more profit/interest.

should be fine. you're bearing the telco cost anyway.

whether you can use foreign mobile number to register, no idea

i sent to this:

PBCS Customer Service <custsvc@publicbank.com.my>

how long dy?

i applied via email @ 9 Sep, approved SMS @ 15 Sep, received card somewhere 22/23 Sep.

oh u set the mobile number to ur parent's.

I set supp contact number to mine (principal) as well.

per transaction.

e.g. buy electrical appliances (e.g. fridge, TV, etc.) from merchant A with amount RM2k, swipe with PBB card, then after 3 days, call PBB to convert that RM2k into 9month Flexipay.

advantages: good for single large sum transaction. no additional fees. simple call-in to CS, done in 1 minute. if you have multiple flexipay done, you can also BT your upcoming statement to another card, further extending the period (e.g. BT to MBB's 12mth 0%).

disadvantages: not by statement (for this, you do BT instead), need min RM2k for 9month 0% flexipay, tricky when your purchase is near bill date (T&C: 3 days after transaction, 5 days before bill date).


here's what's shown in the statement:

If u really search or read thru, some branches are ok, some not.

recent update above.

this was discussed in length before, sometime last month, iinm.

yep, i did 3 times last month.

this is funny.

you can went back quote ftan's post, but not reading the subsequent clarifications from others?

pbe not entitled. read post #2

wrong topic to ask uob card here. furthremore, uob vox no more cashback.

why not read existing topic? https://forum.lowyat.net/topic/3877948

if you didnt notice, the SMS registrataion is based on principal card's number.

from what i understand, each principal card (and its associated supp card) on its own.

yeah split equal better.

for my pbb vs and supp, I also split between weeks so that I don't exceed monthly CB as well but also getting weekly promo cashback (rm25 for rm500 spending).

today already paid astro+maxis rm500 (supp)

last week maxis+umobile+unifi rm500 (principal)

yeah, i can only target 2 weeks/month. cannot overpay everything, sooner or later gotta repay cc statement anyway

the 'trick' paying aeon card using posonline is fairly new, dont think anyone knew about this trick last time; hence HeHeHunter banging wall lor.

funny.

you already know the income requirement for pbb vs, yet you ask to compare in this thread.

what answer do you need leh?

it's like trying to turn lead into gold.

instead of 'he say, they say' confusion, why not get official answer from pbb?

call CS to find out. always always always call bank CS to find out first. if want to get ppl's experience or input, ask in forum. end of the day, answer from bank is proper because PBB give you the cc service, not RinggitPlus.

did you read RP's T&Cs?

HOMEDEC Kuala Lumpur [ PBB | T&Cs ]

Interesting part

0% for 12-month Flexipay Plan

i. 0% for 12-month Flexipay Plan is open to all new and existing Public Bank, Public Islamic Bank Principal and Supplementary Credit Cardmembers inclusive employees of the Public Bank Group, PB Subsidiaries, PB’s advertising agencies and their immediate families.

ii. PB Credit Cardmembers can enjoy a special rate of 0% for 12-month Flexipay Plan, with minimum transaction of RM1,000 in a single receipt.

iii. This special rate is only valid from 20 October to 20 November 2016. Only applicable to transaction made at HOMEDEC Kuala Lumpur 2016.

iv. For full Terms & Conditions of Flexipay Plan, please refer PB Flexipay Pay Plan Terms & Conditions.

i gotten mine, by following sentry68's sample