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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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fruitie
post Apr 14 2019, 10:45 PM

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QUOTE(skty @ Apr 14 2019, 10:34 PM)
good news. Will try it around 11.50pm during early May to test water first.
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Have to look at the chart again, hopefully I can find it out to see how to maximize the cash back. laugh.gif
harizdesu
post Apr 16 2019, 04:35 PM

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hi!

my annual income is 47k+ and i would like to apply for FC Barcelona Visa (req is 48k)
will i get rejected instantly?
#Victor
post Apr 16 2019, 04:38 PM

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QUOTE(harizdesu @ Apr 16 2019, 04:35 PM)
hi!

my annual income is 47k+ and i would like to apply for FC Barcelona Visa (req is 48k)
will i get rejected instantly?
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are u existing MBB card holders? if yes u could try applying
harizdesu
post Apr 16 2019, 04:42 PM

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QUOTE(#Victor @ Apr 16 2019, 04:38 PM)
are u existing MBB card holders? if yes u could try applying
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i dont have any of the cc but i do have saving account/debit card.. does that count?
#Victor
post Apr 16 2019, 04:47 PM

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QUOTE(harizdesu @ Apr 16 2019, 04:42 PM)
i dont have any of the cc but i do have saving account/debit card.. does that count?
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no then, u are consider new card applicant.
harizdesu
post Apr 16 2019, 04:51 PM

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QUOTE(#Victor @ Apr 16 2019, 04:47 PM)
no then, u are consider new card applicant.
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okay, thanks sad.gif
Abs0lute
post Apr 16 2019, 05:28 PM

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QUOTE(harizdesu @ Apr 16 2019, 04:35 PM)
hi!

my annual income is 47k+ and i would like to apply for FC Barcelona Visa (req is 48k)
will i get rejected instantly?
*
yeah, u will get rejected without negotiation laugh.gif

anyway, can u pls confirm that FCB Visa gives cashback for ALL purchases means like everything including petrol, grocery, online shopping, bills, etc?

This post has been edited by Abs0lute: Apr 16 2019, 05:29 PM
SUSDavid83
post Apr 16 2019, 05:29 PM

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QUOTE(Abs0lute @ Apr 16 2019, 05:28 PM)
yeah, u will get rejected without negotiation laugh.gif

anyway, can u pls confirm that FCB Visa gives cashback for ALL purchases means like everything including petrol, grocery, online shopping, bills, etc?
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TnC and exclusion:

user posted image
Abs0lute
post Apr 16 2019, 05:32 PM

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QUOTE(David83 @ Apr 16 2019, 05:29 PM)
TnC and exclusion:

user posted image
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so, it gives cashback on pretty much everything

nice, thanks!!!
dragonteoh
post Apr 18 2019, 04:27 PM

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QUOTE(David83 @ Apr 16 2019, 05:29 PM)
TnC and exclusion:

user posted image
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By the way, last 2 month i bought a notebook from Lazada via Maybank Installment 6 Month (on lazada website).
I receive full cash back on that month (the 1st month)... is that consider Easypay or ?
fruitie
post Apr 18 2019, 04:33 PM

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QUOTE(cybpsych @ Jul 26 2018, 05:31 PM)
if transaction on 31 Aug but posted on 1 Sep, cashback is 10% (transaction date in Aug) but the max cb limit is RM50 (posting date in Sep)

so, lowest spend amount to gain RM50 max cb (in Sep) is RM500 based on 10% transacted in Aug.

compared this to RM2,500 spending @ 2% to get RM50 max cb in Sep alone.

Best Combination to Maximize Cashback % and Cap (Oct 2017 - Aug 2018)
TransactionPostingCashback %Cashback Cap(Best) Max Spend
Apr/JulApr/Jul2% (Apr/Jul)RM50 (Apr/Jul)RM2,500
Apr/JulMay/Aug2% (Apr/Jul)RM100 (May/Aug)RM5,000
May/AugMay/Aug10% (May/Aug)RM100 (May/Aug)RM1,000
May/AugJun/Sep10% (May/Aug)RM50 (Jun/Sep)RM500
Jun/SepJun/Sep2% (Jun/Sep)RM50 (Jun/Sep)RM2,500
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Quoting this post for everyone's reference since May is coming soon.
Should TS - Human Nature post this in front post?

Seems like April-May, the trick will not have impact? Or I understood it wrongly? hmm.gif

This post has been edited by fruitie: Apr 18 2019, 04:39 PM
SUSDavid83
post Apr 18 2019, 05:33 PM

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QUOTE(dragonteoh @ Apr 18 2019, 04:27 PM)
By the way, last 2 month i bought a notebook from Lazada via Maybank Installment 6 Month (on lazada website).
I receive full cash back on that month (the 1st month)... is that consider Easypay or ?
*
EzPay.
nitehawk
post Apr 18 2019, 05:37 PM

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QUOTE(fruitie @ Apr 18 2019, 04:33 PM)
Quoting this post for everyone's reference since May is coming soon.
Should TS - Human Nature post this in front post?

Seems like April-May, the trick will not have impact? Or I understood it wrongly? hmm.gif
*
I read a table a few times, yet I do not fully understand it. How do we get a transaction made in made in May & posted in June?
#Victor
post Apr 18 2019, 05:41 PM

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QUOTE(nitehawk @ Apr 18 2019, 05:37 PM)
I read a table a few times, yet I do not fully understand it. How do we get a transaction made in made in May & posted in June?
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Make transaction on night of last day of the month (May), it will be posted in next month.
ClarenceT
post Apr 18 2019, 05:45 PM

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AND...

STOP using FCB VS on 29/4 and 30/4 to avoid the transactions posted in May!!!
2% rebate but a part of May CB (RM100)

This post has been edited by ClarenceT: Apr 18 2019, 05:45 PM
MGM
post Apr 18 2019, 05:55 PM

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QUOTE(ClarenceT @ Apr 18 2019, 05:45 PM)
AND...

STOP using FCB VS on 29/4 and 30/4 to avoid the transactions posted in May!!!
2% rebate but a part of May CB (RM100)
*
Good reminder. thumbsup.gif
TSHuman Nature
post Apr 18 2019, 06:40 PM

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QUOTE(fruitie @ Apr 18 2019, 04:33 PM)
Quoting this post for everyone's reference since May is coming soon.
Should TS - Human Nature post this in front post?

Seems like April-May, the trick will not have impact? Or I understood it wrongly? hmm.gif
*
done, updated to post #2
ClarenceT
post Apr 18 2019, 07:10 PM

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QUOTE(nitehawk @ Apr 18 2019, 05:37 PM)
I read a table a few times, yet I do not fully understand it. How do we get a transaction made in made in May & posted in June?
*
QUOTE(#Victor @ Apr 18 2019, 05:41 PM)
Make transaction on night of last day of the month (May), it will be posted in next month.
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If you intend to spend on Bigpay/Boost only, reload a few minutes (to be reconfirmed by testers in May) before 1/6 12am, you should get 10% rebate on RM500 top-up (max CB for June is RM50). IMO, top up RM500 on 31/5 night or RM2500 in June to get CB RM50 is not really a big deal, the savings is only RM4 (assume RM6 cost to withdraw RM3000).

I will find some places not using Maybank card machines (avoid Bigpay, Boost, Shopee, PaymentGalaxy, Parkson, Aeon, Petronas, Shell, Watsons) to spend on 31/5 (anytime, not restricted to the last few minutes of the day), the transactions will be posted in June (CB RM50 for spending RM500 on 31/5).


QUOTE(MGM @ Apr 18 2019, 05:55 PM)
Good reminder. thumbsup.gif
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Another reminder... Top up RM9500 till 30/5, otherwise no spare quota for you to top-up on 31/5 night.
SUSDavid83
post Apr 18 2019, 07:24 PM

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QUOTE(ClarenceT @ Apr 18 2019, 07:10 PM)
If you intend to spend on Bigpay/Boost only, reload a few minutes (to be reconfirmed by testers in May) before 1/6 12am, you should get 10% rebate on RM500 top-up (max CB for June is RM50). IMO, top up RM500 on 31/5 night or RM2500 in June to get CB RM50 is not really a big deal, the savings is only RM4 (assume RM6 cost to withdraw RM3000).

I will find some places not using Maybank card machines (avoid Bigpay, Boost, Shopee, PaymentGalaxy, Parkson, Aeon, Petronas, Shell, Watsons) to spend on 31/5 (anytime, not restricted to the last few minutes of the day), the transactions will be posted in June (CB RM50 for spending RM500 on 31/5).
Another reminder... Top up RM9500 till 30/5, otherwise no spare quota for you to top-up on 31/5 night.
*
RM 9500? blink.gif
ClarenceT
post Apr 18 2019, 07:26 PM

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QUOTE(David83 @ Apr 18 2019, 07:24 PM)
RM 9500?  blink.gif
*
RM500 unused quota for last top up.
If you already use up RM10K limit, then you can't top up RM500 on 31/5 night.

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