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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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mamamia
post Apr 18 2019, 07:29 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.
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I thought Shopee is using PBB? So, if use Shopee, should be posted in next day.
cybpsych
post Apr 18 2019, 07:36 PM

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QUOTE(mamamia @ Apr 18 2019, 07:29 PM)
I thought Shopee is using PBB? So, if use Shopee, should be posted in next day.
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better to try yourself and monitor from your usual spending sites/locations.

even with places using mbb terminals, it still can be posted next day. it's all depend on the settlement arrangement between the merchant and their acquirer bank.
ClarenceT
post Apr 18 2019, 07:53 PM

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QUOTE(mamamia @ Apr 18 2019, 07:29 PM)
I thought Shopee is using PBB? So, if use Shopee, should be posted in next day.
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Only Ipay88-Shopee is using PBB.
For Cybersource (or maybe Shopee don't use Cybersource now), same day posting or T+1 for Maybank CC.

So I won't spend on Shopee. Maybe I will spend on Payonline as a farewell.

This post has been edited by ClarenceT: Apr 18 2019, 07:55 PM


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mamamia
post Apr 18 2019, 08:20 PM

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QUOTE(ClarenceT @ Apr 18 2019, 07:53 PM)
Only Ipay88-Shopee is using PBB.
For Cybersource (or maybe Shopee don't use Cybersource now), same day posting or T+1 for Maybank CC.

So I won't spend on Shopee. Maybe I will spend on Payonline as a farewell.
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Ooic, thanks for ur confirmation.. then better avoid shopee
sambal.ikanbilis
post Apr 18 2019, 09:50 PM

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anyone tried to redeem rm25 sst on barcelona visa card using treatspoint from other maybank cards? i try to apply but got rejected by card centre.
myahsam
post Apr 18 2019, 09:52 PM

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QUOTE(sambal.ikanbilis @ Apr 18 2019, 09:50 PM)
anyone tried to redeem rm25 sst on barcelona visa card using treatspoint from other maybank cards? i try to apply but got rejected by card centre.
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What is the reason being rejected?
cybpsych
post Apr 18 2019, 09:53 PM

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QUOTE(sambal.ikanbilis @ Apr 18 2019, 09:50 PM)
anyone tried to redeem rm25 sst on barcelona visa card using treatspoint from other maybank cards? i try to apply but got rejected by card centre.
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not Allowed la

this card cannot earn tp, so redemption is not possible.

already confirmed and tested
anakMY
post Apr 18 2019, 10:46 PM

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QUOTE(sambal.ikanbilis @ Apr 18 2019, 09:50 PM)
anyone tried to redeem rm25 sst on barcelona visa card using treatspoint from other maybank cards? i try to apply but got rejected by card centre.
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Cannot , I already called and they say cannot, resin is this is a pure cashback card without Tp, so cant use TP to offset SST
Robinson Leiu
post Apr 19 2019, 10:38 AM

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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.
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I checked my M2C AMEX statement, the posting date is same day for Boost, Grabpay.
But for my PB Quantumn Master statement, the posting date for Lazada TopUp, Boost are 1 day later.

So based in this scenario, the FCB should able to play with the T+1 because its not AMEX?
p/s: nvr use BigPay since got the card.. so im not sure. If BigPay can do T+1 and get rebate, BigPay would be my 1st choice ad.

cybpsych
post Apr 19 2019, 10:48 AM

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QUOTE(Robinson Leiu @ Apr 19 2019, 10:38 AM)
I checked my M2C AMEX statement, the posting date is same day for Boost, Grabpay.
But for my PB Quantumn Master statement, the posting date for Lazada TopUp, Boost are 1 day later.

So based in this scenario, the FCB should able to play with the T+1 because its not AMEX?
p/s: nvr use BigPay since got the card.. so im not sure. If BigPay can do T+1 and get rebate, BigPay would be my 1st choice ad.
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no.

it's the TIMING of your transaction.
Robinson Leiu
post Apr 19 2019, 10:55 AM

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QUOTE(cybpsych @ Apr 19 2019, 10:48 AM)
no.

it's the TIMING of your transaction.
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so for FCB, reload RM500 to Boost/BigPay @ 11.55pm 31/5/19 will do the trick?
cybpsych
post Apr 19 2019, 11:00 AM

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QUOTE(cybpsych @ Jul 26 2018, 03:12 PM)
here you go brows.gif

regardless of T+0 settlement by bigpay and maybank, there must a certain cutoff time. so, i was testing the sweet spot of this settlement cutoff time biggrin.gif

user posted image


Added on
QUOTE(cybpsych @ Sep 2 2018, 06:57 AM)
Aug rm100 cb reflected from my current outstanding (not yet via transaction history)

rm500 bp reload @ 31 Aug 1133pm also inclusive. biggrin.gif

user posted image
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Added on
QUOTE(cybpsych @ Oct 2 2018, 05:51 AM)
rm50 cb masuk already biggrin.gif

user posted image
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Added on
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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QUOTE(Robinson Leiu @ Apr 19 2019, 10:55 AM)
so for FCB, reload RM500 to Boost/BigPay @ 11.55pm 31/5/19 will do the trick?
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This post has been edited by cybpsych: Apr 19 2019, 11:02 AM
Robinson Leiu
post Apr 19 2019, 11:18 AM

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[quote=cybpsych,Apr 19 2019, 11:00 AM]

Added on

Added on

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[/quote]
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[/quote]

Thanks cybpsych. Appreciate your info and POC.
So in this case, i just reload after 11.45pm on 31/5 then can ad la tongue.gif

cybpsych
post Apr 19 2019, 11:21 AM

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QUOTE(Robinson Leiu @ Apr 19 2019, 11:18 AM)
Thanks cybpsych. Appreciate your info and POC.
So in this case, i just reload after 11.45pm on 31/5 then can ad la  tongue.gif
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better try again next month to be sure.

do it mid-later of the month, of couse not the last few days of May laugh.gif
Robinson Leiu
post Apr 19 2019, 11:40 AM

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QUOTE(cybpsych @ Apr 19 2019, 11:21 AM)
better try again next month to be sure.

do it mid-later of the month, of couse not the last few days of May  laugh.gif
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sorry, im not quite understand on why do it mid-later of the month? confused.gif
i wanted to utilised the 10% rebate on May/Aug that can reflect on Jun/Sep which is RM50 so that I skip using the card on Jun/Sep because I already max out the rebate.

Correct me if im wrong ya icon_rolleyes.gif
#Victor
post Apr 19 2019, 11:48 AM

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QUOTE(Robinson Leiu @ Apr 19 2019, 11:40 AM)
sorry, im not quite understand on why do it mid-later of the month?  confused.gif
i wanted to utilised the 10% rebate on May/Aug that can reflect on Jun/Sep which is RM50 so that I skip using the card on Jun/Sep because I already max out the rebate.

Correct me if im wrong ya  icon_rolleyes.gif
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yes, using cashback for the month but utilising quota on following month.
anakMY
post Apr 19 2019, 11:56 AM

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[quote=cybpsych,Apr 19 2019, 11:00 AM]

Added on

Added on

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[/quote]
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wow wow wow , this is extreme lol. U really go into such details...
ClarenceT
post Apr 19 2019, 12:01 PM

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QUOTE(Robinson Leiu @ Apr 19 2019, 11:40 AM)
sorry, im not quite understand on why do it mid-later of the month?  :confused:
i wanted to utilised the 10% rebate on May/Aug that can reflect on Jun/Sep which is RM50 so that I skip using the card on Jun/Sep because I already max out the rebate.

Correct me if im wrong ya  icon_rolleyes.gif
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How can you 100% sure you top up at 11:45pm 31/5 and the transaction will be posted on 1/6.
A lot of changes in the past few months. So you need to test before 31/5 to check if the previous finding (31/8/18) is still valid.

This post has been edited by ClarenceT: Apr 19 2019, 12:03 PM
Robinson Leiu
post Apr 19 2019, 12:04 PM

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QUOTE(ClarenceT @ Apr 19 2019, 12:01 PM)
How can you 100% sure you top up at 11:45pm 31/5 and the transaction will be posted on 1/6.
A lot of changes in the past few months. So you need to test before 31/5 to check if the previous finding (31/8/18) is still valid.
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understand and noted on this. thanks
cybpsych
post Apr 19 2019, 12:23 PM

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QUOTE(Robinson Leiu @ Apr 19 2019, 11:40 AM)
sorry, im not quite understand on why do it mid-later of the month?  confused.gif
i wanted to utilised the 10% rebate on May/Aug that can reflect on Jun/Sep which is RM50 so that I skip using the card on Jun/Sep because I already max out the rebate.

Correct me if im wrong ya  icon_rolleyes.gif
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u test early May, still get 10%
u test mid May, get 10%
u test late May, get 10% (assuming not posted to Jun)

for testing, best to test as late as possible because we wouldn't know whether mbb make changes, right?

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