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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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MGM
post Mar 24 2018, 05:44 PM

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QUOTE(ClarenceT @ Mar 24 2018, 05:31 PM)
Amex is not an option.
Only Visa/Mastercard. No credit card charge yet. Also it is not treated as a Cash Advance.
I plan to dump all unused quota into top up if someone had got 2% rebate in Jan/Feb.
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But there r so many cards offering 5 to 10% CB promo, 2% is too little.
MGM
post Mar 24 2018, 05:54 PM

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QUOTE(ClarenceT @ Mar 24 2018, 05:50 PM)
Tony is giving you free cash.
You can withdraw RM1500 at Maybank ATM and the service charge is only RM6.

Dump RM1000 into bigpay by using HLB Wise and you get 10% on another RM1000.
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Can transfer out to CASA without charges?
MGM
post Mar 26 2018, 08:58 AM

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QUOTE(ClarenceT @ Mar 26 2018, 08:06 AM)
Not only ATM withdrawal, I can consolidate/accumulate unused quota from various CCs.
Eg I have a life insurance due in April, say RM5000.
And if FCB VS, assume I didn't spend till today, then I top up BigPay by 31/3 and on 1/4 (Posted on the same day for Maybank FCB VS!), then pay the insurance on 2/4. So I will get 2XRM50 rebate from Maybank, instead of 1XRM50 (max RM50 rebate/month).
Or I can top up using other credit cards together with FCB VS, then use BigPay to pay the insurance, so maximise the rebates.

Hope I will not get banned.
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That is a very good idea. thumbup.gif
MGM
post Mar 26 2018, 09:59 AM

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QUOTE(ClarenceT @ Mar 26 2018, 09:47 AM)
If combine with 0% balance transfer schemes, it doesn't work like "prepaid" anymore. (a bit risky, usually I don't play)

"INSTANT MONEY TRANSFERS to your friends on BigPay"
Transfer fund from 1 BigPay account to another BigPay account, then cash out from the second BigPay card.
So you top up but you don't withdraw cash from the same account!  brows.gif
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Are u a money laundering expert? Just joking. rclxms.gif
MGM
post Mar 26 2018, 01:02 PM

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QUOTE(ClarenceT @ Mar 26 2018, 12:22 PM)
RM1000 (0% rebate) bigpay +RM1000 (10% rebate) X 12 months
withdraw RM3000 every 3 months -> -RM6 x4
Total return for 12 months: 1200 - 169.60 (AF) - 24 (ATM) = 1006.40
1006.40 / 12000 = 8.39%, better than UOB Yolo, PB VS/Quantum, M2 Amex.

This is the ideal scenario. I assume it will work, unless HLB disqualify MCC6012 transactions.
But Unker had warned me, I will not withdraw cash from my bigpay account.
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Shouldnt it be 1006.40/24000=4.2%
MGM
post Mar 26 2018, 03:18 PM

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QUOTE(Aji_ShiO @ Mar 26 2018, 03:01 PM)
Unker here again!

Unker did not withdraw much la, like < 5 times kena already loh

Unker tried transfer fund to kawan I during CNY using e-angpao, baru 100sen then my kawan kena called and ask if he know unker in real person.

Before suspend, unker also receive call and that fella ask unker why withdraw.
Diao its unker money why cannot withdraw.

Then you know what happen next loh. Unker face problem gua.

Anyway, play safe and good luck  icon_idea.gif
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How many times did u use it for retail transactions?
MGM
post Apr 1 2018, 09:52 PM

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QUOTE(ClarenceT @ Apr 1 2018, 09:27 PM)
Max out but wasteful if spending on the areas that can be covered by high-rebate cards (eg M2 Amex).
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That is right, but still haven't figure out what.
MGM
post Apr 4 2018, 11:31 AM

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QUOTE(MeToo @ Apr 4 2018, 11:27 AM)
used to be RM60
Was my goto card for weekdays.
But now is secondary card, almost at the verge of cancelling it
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Referring to PBB VS? For me it is still the best with supp cards having individual CB.
Care to share what is your primary card now?
MGM
post Apr 4 2018, 11:47 AM

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QUOTE(MeToo @ Apr 4 2018, 11:33 AM)
- HLB Fortune
- MBB Amex

Secondary
- PBB Sig

Useless now
- CIMB World (no more eraman discount)
- RHB World/Infinite
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QUOTE(chiahau @ Apr 4 2018, 11:36 AM)
High Five.

I also using HLB Fortune mainly if they don't accept AMEX.
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Primary
I have 3 PBB VS & 4 PBB Quantums (principle+supp) getting at least rm300 CB/month (monthly and CB4U promos).
Secondary
MB2Amex for weekend, esp Fave since PBB is not giving Cb consistently for FAVE.
UOB YOLO for bills <rm100 and TNB bills(no CB from PBB for CB4U)
SCB Gold MC for big-priced items
MB FCB for all other things
MGM
post Apr 18 2018, 09:49 AM

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QUOTE(fruitie @ Apr 18 2018, 09:27 AM)
Mine in July. sweat.gif Thinking if I should pay it next month. hmm.gif
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There is a suggestion to reload Bigpay with all the cards with good CB and that use it to pay insurance offline/online. Risk is card not accepted by intended merchant. Especially good for big sum for u can get d CBs from diff CCs. If u fail to use Bigpay to pay your insurance u can always use it to buy air tickets since u travel a lot.

This post has been edited by MGM: Apr 18 2018, 10:18 AM
MGM
post Apr 20 2018, 10:07 AM

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QUOTE(ClarenceT @ Apr 20 2018, 09:57 AM)
March: Normal Spend RM2000 (rebate RM40), dump RM500 (+rebate RM10) to BigPay.
April: Normal spend RM1000 (rebate RM20), dump RM1500 (+rebate RM30) to BigPay.
May: Spending RM3000 - use FCB VS RM1000 (10% rebate max RM100) + BigPay RM2000.

So you get total rebate RM200 instead of RM160.
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But if u leave the money IDLING in BIGPAY u get nothing.
MGM
post Apr 20 2018, 10:23 AM

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QUOTE(ClarenceT @ Apr 20 2018, 10:10 AM)
2% return in 2-3 months is good, compare to savings/FD.
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That's if u use it in short time period or u have a known expenditure or a 0% BT to roll.
MGM
post Apr 20 2018, 10:30 AM

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QUOTE(cybpsych @ Apr 20 2018, 10:26 AM)
aiyah, doesnt matter la. he already accepted the risk and the possible spending up ahead anyway.

no right or wrong for doing that way.
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Ok ok I surrender hahaha, very free now. Sorry ClarenceT, I prefer to use PBB CC.
MGM
post Apr 20 2018, 10:31 AM

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QUOTE(cybpsych @ Apr 20 2018, 10:26 AM)
aiyah, doesnt matter la. he already accepted the risk and the possible spending up ahead anyway.

no right or wrong for doing that way.
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Ok ok I surrender hahaha, very free now. Sorry ClarenceT, I prefer to use PBB or SCB CC.
MGM
post Apr 20 2018, 10:34 AM

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QUOTE(ClarenceT @ Apr 20 2018, 10:31 AM)
+ Withdraw RM3000 cash at ATM.

But I have got something to spend in May-June!
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Wonder how is unker's case, still unresolved?
MGM
post Apr 20 2018, 10:41 AM

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QUOTE(ClarenceT @ Apr 20 2018, 10:37 AM)
I wonder if the Unker is Tony F, scare us not to perform ATM withdrawal as he will be losing money for this convenience.
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Is he d only one facing this predicament?
MGM
post Apr 20 2018, 12:11 PM

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QUOTE(ClarenceT @ Apr 20 2018, 11:58 AM)
Unker is not the only one, there were a few earlybirds having same situation.
But it is still quite irrational that BigPay allows (in Black and White, with no restrictions) top-up by using Credit Card and Cash withdrawal at ATM, but victimise the customers.
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Agreed fully, lots of promises but hidden restrictions. I think they are trying to control their costs.
MGM
post May 1 2018, 11:31 AM

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QUOTE(ClarenceT @ May 1 2018, 11:22 AM)
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.
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At this moment, local time in LA, USA is 8.30pm 30April2018.
MGM
post May 1 2018, 11:49 AM

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QUOTE(ClarenceT @ May 1 2018, 11:22 AM)
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.
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Agree. thumbup.gif
MGM
post May 2 2018, 08:43 AM

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QUOTE(vin_ann @ May 2 2018, 08:33 AM)
It's May !
Hope I'm not too late to comment

Asked my insurance agent to manual charge RM1000 to my Dec due insurance premium on FCB

Not sure how she do it, but she sound like doable
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Tot can only do +- 1 month from due date, which insurance?
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