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Credit Cards Public Bank Visa Signature v4, 6% Cashback On Grocery, Dining, Online

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wjchay
post Mar 25 2017, 08:20 AM

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QUOTE(rapple @ Mar 25 2017, 08:27 AM)
Don't think it's tmonline. I get my cashback with 5x payment through tm portal.
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I didn't get anything for 8x tmonline. Hope it will come next month, I might call cs after I'm done with my vacation.

Edit: just checked my unbilled transactions, the 8x swipe promo cb is in.

This post has been edited by wjchay: Mar 25 2017, 10:14 AM


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wjchay
post Mar 27 2017, 09:17 AM

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My aeon big 8 x rm50 gift cards did not get swipe promo cb. Called cs, cs said it's split transactions, not qualified.

The gift cards were paid at mid valley alcohol counter.

Is there anything else I could do to get back cb for these transactions?
wjchay
post Mar 27 2017, 02:19 PM

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QUOTE(cybpsych @ Mar 27 2017, 03:11 PM)
1) when did u purchase? what time?

2) how did u purchase or reload 8x times RM50?

a) staff reloaded​ 8 times, one after another for RM50 each time? or

b) staff reloaded 1x time lump sum of RM400, but their POS split the charges to 8x times of RM50?
remember, split and multiple purchases are 2 different methods.
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I have 8 receipts like this with diff invoice number, approval code, date/time. The only giveaway would be the date/time too close to each other, within a minute.

I got 8 gift cards of rm50. I hope this clarifies.

If this is not the way to buy gift cards to get promo cb, hope someone would share.

Edit: I have 8 credit card receipts as well. There are 8 transactions in my pbb statement.

Thanks.

This post has been edited by wjchay: Mar 27 2017, 02:21 PM


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wjchay
post Mar 27 2017, 03:37 PM

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QUOTE(cybpsych @ Mar 27 2017, 03:56 PM)
this transaction was 13 March (Mon) wor, which is Week 2 of the campaign.

so far none received Week 2 cashback le sweat.gif
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QUOTE(BeastX @ Mar 27 2017, 04:00 PM)
Yes, no Week 2 yet.... that was a scare....
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QUOTE(CalvinCLK @ Mar 27 2017, 04:17 PM)
Maybe you just prompted the CS to check on your split transaction despite the cash rebate has not been paid out yet.  sweat.gif
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Thanks for all the feedback. I certainly hope cs didn't know what she was talking about when she said my transactions were split. I even prepared a draft email to be copied to bnm telilink.

Today I'm on leave hoping to do another 8xrm50 gift cards, but on second thought, I'll hold it first.



wjchay
post Mar 30 2017, 05:23 PM

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Hi guys, I just want to update that I used my card in Aussie on 26 March, and it is reflected in my unbilled transactions at the rate of 3.434199. The merchant charged 1.3% credit card fees, which is included in the total charged to my card.

KL money changer sell rate on 25th was 3.42. 27th was 3.41. I have no data for 26th tho.

I guess for overseas transactions where merchants do not charge credit card fees, it would be a good rate. For example dining in restaurants, i lost my aussie receipt but i know they did not charge credit card fees.

Edit: sorry my mistake, card fees included in transaction, so actual forex is 3.434199myr to aud.

This post has been edited by wjchay: Mar 30 2017, 05:40 PM
wjchay
post Mar 30 2017, 07:29 PM

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QUOTE(alextan99 @ Mar 30 2017, 07:45 PM)
Correct me but exchange rates changes sometimes by the minute but money changer rate might change once a day or twice a day

Banks and CC use real time forex rate plus the charge to use the card out of the home currency too. If they don't charge extra what will they make out of it to give you a line or credit and the risk with it
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Of course banks charge higher. We don't always get to use cash overseas.

The message is to share how much diff is forex to expect when using pb vs. To me, it's not exorbitant high.

I wish I knew the rates for other bank cards vs pbvs. I could be using them instead.
wjchay
post Mar 30 2017, 09:48 PM

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QUOTE(harmonics3 @ Mar 30 2017, 10:41 PM)
Just to share my experiences: when I rented a car in Sydney last month, the rental company charged me a deposit on 7 Feb and refunded the same amount the next day after I returned the car.  The transactions details are as follows:
Posting  Transaction
07 FEB : 07 FEB THRIFTY AUSTRALIA AU : 1,329.16
                        385.00 AUSTRALIAN DOLLARS
09 FEB : 08 FEB THRIFTY AUSTRALIA AU  : 1,283.31CR
                        385.00 AUSTRALIAN DOLLARS

You can see that I lost RM45.85 just over 1 day for same amount of debit and credit!! 
I think PB charges a commission whether it is debit or credit of foreign currency.  So you should avoid using credit card in overseas if you can.
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Hi, I believe that's due to buy-sell spread, as in your case 7Feb you buy aud, 9Feb you sell aud. Banks spread is much larger than money changer.

On another note, I believe car rental companies do not accept cash. So no choice, hv to use credit card. However usually we don't cancel, so no refunds. Just trying to use the best card for forex.
wjchay
post Mar 31 2017, 10:24 AM

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ronnie

Not sure if you're still updating, but here goes:

Qualify for 6% CB:
Peekaboo Cafe, Esplanad Bukit Jalil
Straits House, Mitsui Sepang

Also, 11Street has this bonus coupon of 10% (max RM18):
http://www.11street.my/benefit/promotionDe...Reward-20170321

Public Bank 10% Bonus Coupon
- 10% Bonus Coupon with discount up to RM18, min. spend RM30
- 500 coupon available per day
- Coupon valid for first purchase buyer who checkout with Public Bank cards
- Bonus coupon is applicable for all categories except Gold bar, gold coins, silver bar, silver coins, physical vouchers and mobile top up
- Campaign period: 21 March –30 April 2017
- Coupon is valid for one-time use only
- Coupon is valid for 3 days upon download
- Maximum download of 1 coupon per ID
- More than 1 similar type of coupon used in the same transaction is prohibited. Only 1 type of coupon each (cart coupon, shopping cart coupon and delivery coupon) can be used in the same transaction.
- 11street.my reserves the right to change the terms and conditions or cancel any promotion at any time without notice.
wjchay
post Apr 3 2017, 06:21 PM

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QUOTE(pepper_mint2 @ Apr 3 2017, 04:17 PM)
so im wondering did the aeon big transaction received any cashback? As im thinking of getting the giftcards too but wondering will it be eligible since the last confusion with one of the member with week1 and week 2 cashback
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QUOTE(cybpsych @ Apr 3 2017, 04:20 PM)
ask wjchay directly lo.

if no issue, he should be able to see the cb in PBe liao.
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Yes. Got week 2 cb.


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