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Credit Cards Maybank Visa Signature + Barcelona Visa Signature
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ClarenceT
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 Apr 30 2018, 03:38 PM
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QUOTE(hitch80 @ Apr 30 2018, 02:38 PM) no rush, if you don't spend a lot in a month also, this is very good time to focus on using only this 1 card at least for this month, and later august. other than these 2 months, you may want to diversify your spending depending on which card give better cashback depending on your spending category. and better not swipe the card like 3-4 days before end of the month just to avoid transaction got posted on the next month To avoid late posting... can use M2U bill payment - Telekom/TNB for immediate posting. Even top up BigPay card will be posted on the same day. |
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ClarenceT
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May 1 2018, 11:22 AM
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QUOTE(David83 @ May 1 2018, 10:42 AM) Please be careful with time zone. Especially if merchant payment process resides at US. Not an issue. Even at different time zone, it should be posted in May or beyond May (late posting). Not possible to post on the same day (30/4) already. This post has been edited by ClarenceT: May 1 2018, 11:22 AM |
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ClarenceT
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May 1 2018, 11:34 AM
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QUOTE(MGM @ May 1 2018, 11:31 AM) At this moment, local time in LA, USA is 8.30pm 30April2018. 10% May cashback is based on posting date. (not like M2 Amex - weekend) Maybank posting 30/4 already over. Usually international posting will take 2-3 days. Also April 2% cashback already calculated on 30/4 and posted on 1/5. (will see it tomorrow) This post has been edited by ClarenceT: May 1 2018, 11:38 AM |
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ClarenceT
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May 1 2018, 03:11 PM
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QUOTE(raul88 @ May 1 2018, 02:57 PM) this month time to keep amex in drawer and use fcb only 1/6 take out amex again Only true if your spending is up to RM1000 only for this month. Otherwise you should use M2 Amex on weekends and use FCB VS at the places not accepting Amex. Spend on tuition fee, government bills, insurance, car services! This post has been edited by ClarenceT: May 1 2018, 03:12 PM |
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ClarenceT
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May 2 2018, 08:16 AM
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QUOTE(bee993 @ May 1 2018, 09:52 PM) basically what is the benefit of Visa Airport Speed Pass? Escort service to cut queue at immigration. Usually only High Net-worth or VI people may be interested to get this service. |
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ClarenceT
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May 2 2018, 08:54 PM
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QUOTE(skty @ May 2 2018, 08:48 PM) The T&C write retail transaction. Not sure whether online payment for tax is consider as "retail" or not.  Use M2 Amex to pay on Sat/Sun, 5% rebate, may win a prize as well. Use FCB VS on something else. |
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ClarenceT
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May 4 2018, 01:41 PM
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QUOTE(stargate8 @ May 4 2018, 12:43 PM) next time i have to take note not to spend on 30th, my transaction on apr 30th posted in may, wasted maybank give out rebate so fast, by end of 29th counted and rebate is in on 30apr Not 29th. April rebate - posted transactions from 1/4 to 30/4. |
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ClarenceT
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May 4 2018, 02:10 PM
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QUOTE(stargate8 @ May 4 2018, 01:46 PM) April rebate on 30/4 (posted on 1/5) midnight after calculating all the transactions posted in April including posted on 30/4 night. This post has been edited by ClarenceT: May 4 2018, 02:12 PM |
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ClarenceT
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May 4 2018, 03:17 PM
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QUOTE(stargate8 @ May 4 2018, 02:57 PM) ya, thats why next time i better not to spend on 30th of the month, better give 2 or 3 days for tranx to be posted in the same month. the amount 58.70 was posted on 2nd may, new m2u site shows tranx date [attachmentid=9777718] Ya new M2U interface doesn't show posting dates.  Your Lazada transaction refund (RM27.20) posted in May, not sure if this credit will be part of 10% rebate calculation or reversal of 2% rebate. You may have to spend RM1027.20 (including RM58.70) in May to get RM100 rebate. FYI, topup BigPay will be posted on the same day, so I top up bigpay on the last 2 days of the month and then use BigPay Mastercard for other transactions. |
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ClarenceT
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May 16 2018, 05:36 PM
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Don't rush to spend on GST taxable items in the month of May.
Spend on zero-rated items!
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ClarenceT
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May 16 2018, 05:43 PM
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QUOTE(David83 @ May 16 2018, 05:38 PM) Hard to control right except big purchase item? Spend on BigPay Topup, Electricity, Telekom bills, Mobile phone bills, medicines, Govt bills. Don't buy things which can be used/spent after 1/6. |
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ClarenceT
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Jun 2 2018, 06:31 AM
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Received RM100 May 10% rebate. Spent on Government services which I could not get any rewards/rebate pre- FCB VS.
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ClarenceT
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Jun 8 2018, 05:58 AM
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QUOTE(MGM @ Jun 8 2018, 04:32 AM) How to change to cashback? If got 28000tp, can change to rm70 cashback? Buy something at SenQ cost RM70 more or less. Redeem 400TP = RM1. |
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ClarenceT
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Jun 25 2018, 07:05 PM
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QUOTE(suadrif @ Jun 25 2018, 06:10 PM) Visa Airport Speed Pass VISA Signature Concierge Service ------------------------------------ actually these two is for what? i dont really understand. You are privileged to buy and enjoy this 5 star services created for premium card holders. Eg special travel arrangements, cut queue at immigration etc. Go to Visa website for info and charges. Maybe only Diamante and Infinite customers are willing to pay for this services. This post has been edited by ClarenceT: Jun 25 2018, 07:10 PM |
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ClarenceT
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Jul 2 2018, 08:06 AM
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Transaction on 31/5 but posted on 1/6 - 10% rebate!
So we have 4 month-cycles to get 10% rebate, but Max RM50 rebate for June & Sept.
May 1-31 and posted on or before 31/5: 10% max RM100 (May)
May 31 but posted in June (Not Maybank merchant): 10% max RM50 (June)
Aug 1-31 and posted on or before 31/8: 10% max RM100 (August) [Predict and yet to be confirmed]
Aug 31 but posted in September (Not Maybank merchant): 10% max RM50 (Sept) [Predict and yet to be confirmed]
Note: BigPay topup transaction is posted on the same day.
This post has been edited by ClarenceT: Jul 2 2018, 08:31 AM
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ClarenceT
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Jul 2 2018, 02:34 PM
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QUOTE(qqbill @ Jul 2 2018, 02:32 PM) Around 6 or 7 of the month. Not crossing month. 🧐 Not by instalment? Don't mind to share the transaction date, the posting date, and transaction description . |
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ClarenceT
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Jul 5 2018, 07:16 PM
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QUOTE(MGM @ Jul 5 2018, 06:24 PM) Even if BigPay topup is done few seconds b4 1-Jun or 1-Sept?  Forget the bigpay and Maybank merchants (Petronas, Aeon, Parkson etc), where the transactions will be posted on the same day. Find the places where you can swipe RM500 (total) on 31/8/18 but to be posted on 1/9 or 2/9, you may get Max RM50 Sept Cashback. No need to spend RM2500 in Sept. |
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ClarenceT
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Jul 6 2018, 09:08 AM
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QUOTE(HMMaster @ Jul 6 2018, 08:55 AM) The June one is tested and confirmed? Confirmed. |
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ClarenceT
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Jul 6 2018, 10:30 AM
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QUOTE(HMMaster @ Jul 6 2018, 10:23 AM) Great! Anyone that tested scenario where transacted on 30-Apr and posted in May? For example, if I transacted RM5000 on 30-Apr, will I get the RM100 for May? (Assuming no transaction in May, and the cashback % is based on Apr = 2%) Reported in early May in this thread. 2% only but not sure RM50/RM100 for RM5000. |
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ClarenceT
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Jul 7 2018, 11:34 AM
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QUOTE(cybpsych @ Jul 7 2018, 11:22 AM) i guess scenarios from clarenceT need further scenario expansion.... highlighted RED above quote.... 31/5 I spent RM2000 (posted on 1/6) 18/6 I spent RM300 I received Monthly CB RM50 @ 1/7. |
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