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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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cybpsych
post Sep 3 2018, 01:00 PM

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QUOTE(Sumofwhich @ Sep 3 2018, 12:52 PM)
I'm abit confused here, so the cashback is still 10% or only 2% for 31 Aug transacted date but 1 Sep, 2 Sep posting date?
Thanks!
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transaction in Aug = 10%
posted in Sep, max cap cashback RM50
cybpsych
post Sep 3 2018, 01:09 PM

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QUOTE(Sumofwhich @ Sep 3 2018, 01:04 PM)
Got it, thanks!
I guess I'll fall to this backup plan then if CS couldn't give me the rebate for those Shopee transactions.
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no point disputing it now because it would get posted in Sep.

wait till 2 Oct to find out the earned cashback first.

p/s: have you checked your M2U account today? whether the 3 shopee RM25.90, RM27.40, RM27.10 trx got posted yesterday?

This post has been edited by cybpsych: Sep 3 2018, 01:11 PM
cybpsych
post Sep 3 2018, 01:12 PM

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QUOTE(donhay @ Sep 3 2018, 01:10 PM)
Thanks for the clarification.

Hope others here will learn and remember
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this one has been highlighted before.

for gst refund, use non-cb card instead.
cybpsych
post Sep 3 2018, 02:01 PM

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QUOTE(Sumofwhich @ Sep 3 2018, 01:58 PM)
Yes, they got posted on 2 September, strange indeed that the first 3 got posted on 2nd September whereas the fourth transaction got posted on 1st September. laugh.gif
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all 4 shoppee trx, how was the time of transaction?

any particular pattern?

This post has been edited by cybpsych: Sep 3 2018, 02:01 PM
cybpsych
post Sep 3 2018, 02:02 PM

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QUOTE(charlesj @ Sep 3 2018, 02:01 PM)
Will the TP reduced instead?
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don't know.
cybpsych
post Sep 3 2018, 02:25 PM

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QUOTE(Sumofwhich @ Sep 3 2018, 02:08 PM)
Earlier 3 was like 10am+, last one maybe noon or afternoon, all using different accounts  laugh.gif
not sure if it's due to different payment gateways, probably the ipay88 is on the 4th transaction
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yes

ipay88 is t+1
cybersource is t+2
cybpsych
post Sep 4 2018, 03:25 PM

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QUOTE(westlife @ Sep 4 2018, 02:55 PM)
Is this correct?

Aug:
RM1000 = transaction date: August 31 and posting date 1 September = RM100 rebate?

Sept:
RM1500 = transaction date: 2 September and posting date 3 September = RM50 rebate?


if the above is true, technically speaking, it is correct that the RM1000 spending in August had earned 2 times rebate like i said.
since september RM1500 only earn rm30 normally because it is only 2% rebate.

the extra rm20 is still because of the rm1000 in August. so the rm1000 in august has earned 10% + 2% =  12% rebate in total.

i see. no wonder so many of you are trying so hard to transact at the last minute.

meaning that FCB card is looking at transaction date and not posting date for August spending?
but during non May or August month, it is looking at posting date for spending?
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Aug:
RM1000 = transaction date: August 31 and posting date 1 September = RM100 rebate?


WRONG, you rugi

max RM50 because posted in Sep! (Sep cb is max rm50 only, right?)


Sept:
RM1500 = transaction date: 2 September and posting date 3 September = RM50 rebate?


WRONG

if this is standalone Sep spending... rm1.5k x 2% = rm30 cashback only
if this combined between Aug and Sep spending ... even rugi more ... max cb for Sep is still RM50


cybpsych
post Sep 4 2018, 10:13 PM

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QUOTE(lilsunflower @ Sep 4 2018, 07:52 PM)
Timing loophole tested during Apr/May by some users (too lazy to search exact sources).

Many more of us have experimented this round and will report in October.

As with all loopholes, everyone is free to test at their own risk and should be aware that nothing is guaranteed.
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in fact, back in apr/may , it was discovered accidentally on the cb behavior when cb %/cap switches to different value (FCB VS). some not gotten cb at all because of this.

we were expecting same logic as m2c amex, but in turn we actually didn't know m2c amex's actual logic until FCB VS because m2c amex is perpetually 5% / rm50 each month so we couldn't have known either.

come 2 Oct, we'll know if our little experiment proves the cb logic. biggrin.gif
cybpsych
post Sep 7 2018, 10:52 PM

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QUOTE(vernon91 @ Sep 7 2018, 10:50 PM)
I just got my Barcelona Visa Signature card approved and activated,

May i know how to check what is my statement date or payment due date? Have to to wait for the 1st month?  hmm.gif

Sorry 1st time using a credit card  sweat.gif
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no rush, wait for 1st statement (not 1st month) to come out. either check m2u or ebill.

even asking CS now also cant tell you because system can't see yet, which i find kinda odd.
cybpsych
post Sep 8 2018, 12:41 PM

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QUOTE(Gabriel03 @ Sep 8 2018, 12:29 PM)
Just curious, anyone is planning to request MBB to absorb SST charges on FCB?

For those who applied at the introduction of this card, the anniversary date is very soon. I know very well that the cashback earned outweighs the SST.
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you can ask for waiver, whether they willing to absorb is another story

bank is imposing sst on behalf of the govt.
cybpsych
post Sep 10 2018, 07:37 PM

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anybody having deja Vu of someone named supersound?
cybpsych
post Sep 14 2018, 10:41 AM

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QUOTE(qu3vax @ Sep 14 2018, 10:29 AM)
New fraud. Transaction passed thru without my msos code!

This morning i received a sms for MSOS code, i ignored it because i thought someone trying to use my credit card performing online transaction and the SMS and code is safe with me. While i am wondering do i need to cancel the card later since i receive this kind of sms and my card might exposed. Then while i was thinking, received another sms, TRANSACTION WENT THRU!

Directly call bank. After verification this and that and put me on hold to block the card,while waiting for the process, i received another sms, 3000USD again!
Then after put me on hold and came back telling me that the card has been blocked, i told them another 3000usd went thru, and CS also noted it with surprise tone and ask me do a dispute if the transaction shows up on my statement.

I asked them why without MSOS code , the transaction also can went thru?
They said frauder might have their way to bypass it and answer me they are not so sure about it but they will look into it.

Nowadays even if you think the phone is safe with u and actually it's not so safe also.
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this is normal in fraud scene. fraudsters can trigger transactions without triggering MSOS.

good practise is you called up bank immediately, which is why we always try to reduce the SMS notification to RM1, where possible. imagine if the fraud transaction is lower than your sms threshold. you wouldnt even know it until it get posted, which is already too late and need longer dispute process.

now, the fraud transactions already been flagged by the bank, which is good because it will not be settled/posted into your card account. at this stage, bank will investigate the fraud transactions and once proven legit, will not be passed thru into settlement stage (i.e. wont be posted). fraudster cant get the money.

cybpsych
post Sep 14 2018, 11:02 AM

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QUOTE(qu3vax @ Sep 14 2018, 10:54 AM)
The CS laugh also when she read out the transaction.haha!
Ya, it's lucky to see it after i woke up, imagine if happened in the midnight then longer dispute process will be performed.
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as long as it's still floating (not posted), then it'd still faster in dispute.

once posted/settled, then the dispute hits chargeback process which is super long because it takes about 2 stages of dispute: 1st round direct to merchant, if merchant failed to support their transaction with evidence (probably would fail if triggered by fraudster), 2nd round (arbitration) goes thru issuer bank+acquirer bank+Visa.
cybpsych
post Sep 22 2018, 07:52 PM

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QUOTE(deity01 @ Sep 22 2018, 07:43 PM)
Still hvnt receive the card.. It's 10 working days already after receiving the mbb fcb card approval sms..

Sien......
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way too long

why havent u call and find out the status and get the tracking number too?
cybpsych
post Sep 27 2018, 03:07 PM

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QUOTE(Josephtky725 @ Sep 27 2018, 03:03 PM)
I see the T&C said the rebate does not cover JomPay right? What if we pay utilities without using JomPay but other option from M2U?
And how do I know how much I got rebate ? In statement?
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dont have to quote the lengthy post 2.


bill payment in M2U is OK.

cashback credited on 1st of the following month, viewable in m2u on 2nd of the following month.

e.g.

Aug spending, cb on 1 Sep, viewable in m2u on 2 Sep
Sep spending, cb on 1 Oct, viewable in m2u on 2 Oct

cybpsych
post Sep 28 2018, 05:04 PM

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QUOTE(Sumofwhich @ Sep 28 2018, 05:03 PM)
I heard can use 10k TP to pay for Maybank 2 Cards,
any luck for the Maybank Barcelona VS? Thanks.
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CS said can cross-redeem, even for FCB VS
cybpsych
post Sep 30 2018, 09:48 PM

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QUOTE(MGM @ Sep 30 2018, 09:34 PM)
Tomorrow we will know whether we can get 4 months of 10% CB in a year.
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Tuesday
cybpsych
post Oct 2 2018, 05:51 AM

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rm50 cb masuk already biggrin.gif

user posted image

This post has been edited by cybpsych: Oct 2 2018, 10:24 AM
cybpsych
post Oct 2 2018, 06:30 AM

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QUOTE(kart @ Oct 2 2018, 06:09 AM)

Thank you very much, cybpsych, for experimenting on the latest time to perform the transaction just before midnight, so that the transaction is posted next day or later.  notworthy.gif
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haha, worth sacrficing my beauty sleep to test 'em laugh.gif
cybpsych
post Oct 2 2018, 06:39 AM

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QUOTE(ryuzaki_L @ Oct 2 2018, 06:37 AM)
hmmm...i spent rm950 on 31 aug 2018 but i only get rm50 cash back instead of rm95 cash back
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transaction date = cashback % which is 10%
posting date = cb cap which is RM50 for Sep

This post has been edited by cybpsych: Oct 2 2018, 06:40 AM

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