JUST ONE cashback of JUN 2017 is IN.

Still nothing for Cash Back Gold yet.

SAME GOES TO MY GOLD CB

My justone in, CB gold also still not in.

I see you are so annoyed over this 5K over and over again
Coolio, young one. It's ok to be a hidden gem rather than loud empty tin. Don't think you will need that much CL to spend too.

Remember to wait > 6 months before cancel, if you want to help the agent gets his commission

i have swipe rm100..but i get nothing..no sms being sented to me at all. any idea?

This post has been edited by HellDevil: Jul 21 2017, 12:54 PM

If you bother to read back these posts you will know I won't bother so much of CL and if you bother to read how much to maximize JustOne and Cash Back Gold, you will know 5K is not enough plus to enjoy 20-day free interest period.
Not sure who's the empty tin.

i pay jompay
rm100
rm100
rm150


3 transaction 3 chance

dp

This post has been edited by bee993: Jul 21 2017, 01:53 PM

Oh I recall my first SCB card - RM8k! Was lower than monthly salary. However I always cancel and reapply... And subsequent cards had much higher CL.

I was lucky then, 4 years ago (they picked up this year and embossed on my card) they gave me 15k. It's OK la, I will use JustOne for my own card and Cash Back Gold will use the supplementary card as my sister's limit is much higher.

fruitie Wah. Don't terasa. I did not even slightly refer to you as empty tin. Totally a friendly post to try cheer you up with no bad intention.

This post has been edited by justanovice: Jul 21 2017, 10:52 PM

OK, maybe I misunderstood. No offence taken.
I ranted but I still activated and have my ways out, so no issue.

Hmm, I had the impression Scb gave high credit limit when I first got my cards. It was one of the highest. I prefer a lower CL. But not going to do anything coz I plan to cancel the cards.

Yeah, same thing happened to me. Maybe these days they have tightened up this CL thingy? I also prefer lower CL but definitely not just 5k for SCB cards since I applied SCB Gold Cash Back card and JustOne.

This post has been edited by fruitie: Jul 22 2017, 10:25 AM

Me too I prefer like around 8k for me then enough..
see after a year they will increase for me or not,
now my every month statement more like repayment amount always more than statement balance





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and btw anyone try the shake n win?
shake for like 3 transaction already, nothing I get. always say try luck next time.

This post has been edited by SzeMeng76: Jul 22 2017, 12:27 PM

I think you can request for increase since your high spending is very justified.

I didn't get SMS for my swipe more than rm100.. is it bcoz I use paywave instead of PIN n Pay?

hmmm im not sure of that.
2 of my transaction PIN & PAY, 1 transaction - online transaction, both also will get SMS after that.

I don't think they tightened their CL. Do you have credit cards from more than 5 banks?

I got my first SCB card, the JustOne Platinum MasterCard only in Jan this year. Made some 7.5k / month nett income slips then for the application.

They actually called me after they approved my application and informed me they can offer RM45k CL (Exactly 6 times the declared monthly amount).

I have few staffs whose Uber rides are all charged to this card and I get the maximum RM60 cash back just from Uber. The first few months I remember getting back the RM150 cashback and so on. Setup some auto billings and got the additional cashback as well, u can change it back to your regular credit card after u get the cashback. It's all good.

Many people said they prefer lower CL and I understand it may be good as it limits how much u can spend but I must also add that it's because of the higher CL that allowed me to leverage on the banks so much more.

At least now say if I have a combine CL of RM400k from 5 banks, and expenses of 50k monthly and some facilities like BT and so on for another 50k, my ctos / ccris shows that I am only using 100k / 400k which is 25% of my limit... and this is definitely a healthier number than having RM50k CL but monthly spending at 100%.