If I remember correctly, You have to spend 300 within 60 days of approval. And the gift will be delivered 6-8 weeks after the end of qualifying period.

For me, my supp spent on 16 September and we received the gift yesterday.

PBB very good at honouring their promos, so I never worry.

For promo cashback, principal + supp is combined. Only principal gets it.

Today super kiasu. Did my RM200 swipes before 10am (Lazada, Unifi and Starbucks online reload).

Then swiped another RM120 for lunch, but not sure if I can hit the next RM500 threshold by Tuesday.

Last week I also spent early during the Cyber Monday sales, BUT, today I got an e-mail from MPH Online saying 2 of my books out of stock and they will be refunding me. So that will bring me below the RM200 minimum spend for CB. Really unlucky!

So far we've only got 5 weeks of history, and most forummers are Monday swipers, so no real data to analyse.

Based on memory, I don't recall any Monday swipers saying they didn't get CB.

Random note. I made a massive rookie mistake on my PBB VS balance transfer and just wanted to highlight my error so that no one else gets into same problem.

My latest statement of 2 December showed a finance charge of RM130. I was so horrified because this was the second time I've ever seen a finance charge in my 12 years of using CC (the first was with Aeon, and due to late payment through Pos Online).

I checked back my payments and saw that my statement balance was 9800, due on 22 Nov. On 14 Nov I had a MBB balance transfer to settle 9600, and then some WMC cashback of 80 on 16 Nov. I also paid RM50 on 16 Nov. So total payments before statement date was 9730. My shortfall was only 70 bucks, but finance charge 130!!!

After calling CS, I found out it's because my next round of BT instalments (9000+) were posted one day after my Nov statement date - on 3 Nov. Because I didn't pay the full Nov statement balance, the finance charge was on the new BT instalments (equal to almost one month full interest). If I had paid in full, I would have no finance charge and just need to pay the BT instalments in statement dated 2 Dec (due 22 Dec).

My error of 70 cost me 130!!!

Anyway, since it was my first finance charge for all my PBB cards for many years, CS advised me to pay off the total Dec statement balance ASAP and they will request a waiver for me.

Fingers crossed. I feel quite stupid for making such a simple and costly mistake.

This post has been edited by lilsunflower: Dec 5 2016, 07:57 PM

Normally Im ultra vigilant and monitor carefully. However this round I forgot that my Maybank BT only settled 9600 (because I wanted my instalments to be nice round numbers so used multiple of 12)... And ended up miscalculating.

PBB CS was really really nice and sympathetic when she saw my payment pattern. Hope the waiver people will be equally understanding.

The whole point of my post is to highlight that a shortfall payment of only RM70 gave rise to a finance charge of RM130. I don't even know how you came up with a loss of RM60. It's an unnecessary loss of RM130, which would not have arisen if I had paid off the full RM9800 instead of RM9730.

No one likes to see finance charges on their statements.

Your logic of "just skip Starbucks a few days" flies in the face of the spirit of these forums. Most people are here to maximise CC returns (max cashback, avoid charges) and seek / give advice on related topics, even if the amounts are small. Maybe you're better off hanging out with the folks in Starbucks than these forums.

AGREED. Which is what I normally do, and hence had this "surprise" finance charge after 12 years of heavy CC usage.

I shared my story to highlight that mistakes can happen even to the more experienced users. And newbies should watch out, because the first time getting hit sucks .

Just Excel (Inc summary page of amounts due, statement dates, due dates, with individual sheets for each card). But I've got 26 cards to manage and was careless this round, as I've got serious pregnancy brain (baby due next month) and a little slower than usual. Cancelled quite a few cards in the past few weeks to tidy up finances before baby is born. Then I'll start reapplying and managing things better during maternity leave .

Statement date 2 Nov payable on 22 Nov (amounts included in this statement are BT instalments charged on 3 Oct).

The next round of BT instalments hit unbilled transactions on 3 November (included in 2 Dec statement, due 22 Dec).

For PBB, my subsequent BT instalments are always charged one day after statement date regardless of when I applied.

This post has been edited by lilsunflower: Dec 6 2016, 08:40 AM

Awwww that message is so sweet and funny haha. Especially agree with the last statement. Am already an experienced mama, so not stressed.

Anyway, apologies if my post took this thread off topic. My ultimate message was to monitor and use CC carefully and avoid being silly like me.

Thanks everyone for your well wishes - much appreciated! Its not that hard, as been doing it for years, and includes many supp cards which I monitor for my younger siblings or parents. Apart from the 26, I've also got several overseas CCs (UK, France, Switzerland and Singapore) but only use them if absolutely no choice when I'm in those countries.

My absolute favourite card of the moment is PBB VS. Have got 1 Principal + 6 Supps . So we should go back on topic to discussing PBB VS issues going forward.

Yes it is .

If you head over to the BT thread, lots of people there talking about the MBB BT. And yes, they've all reported waivers so far.

This post has been edited by lilsunflower: Dec 6 2016, 09:11 PM

As far as I'm aware, there has never been such a rule for 2 supps. All my supps have separate statement, and enjoy RM50 cashback each.

This post has been edited by lilsunflower: Dec 6 2016, 11:07 PM

Don't forget to use the new supplementary card promo form:

https://www.pbebank.com/Personal-Banking/Pr...Jug-Kettle.aspx

Can get a free Kettle!

Delete Double Post - Sorry

On unrelated note. Just checked and saw my Finance Charge reversed. PBB CS have been very kind - even though it was totally MY mistake.

This post has been edited by lilsunflower: Dec 6 2016, 11:14 PM

RM10 for me too. For reference:

- Monday afternoon 4pm first RM200 completed

- Hit RM500 only by Wednesday afternoon (didn't qualify for RM25, indicating quota exhausted by then)

This post has been edited by lilsunflower: Dec 8 2016, 12:09 PM

All answers from your mums perspective, as if she's the applicant.

Your details are limited to the principal holder details.

I wrote housewife, no issue.