Only transaction date to be appear in statement.

CB based on transaction date, so far all the transaction that I did is appear on the same date

To be safe, avoid to swap the card on last day of the month

From my past experience, it will be counted as July transaction.

After using CC for so many years, this is the first time I think I have missed a payment and being charged with late payment charges now.
RM 10. OMG. Due date was 27th July and I tried paying it just now at 11:59 instant transfer but it didn't work. Not sure if SCB doesn't accept instant banking from MBB or it is close to MBB's daily maintenance hour. I will do it the first thing tomorrow's morning.

I'm not sure if there is a chance to appeal or not for the waiver...

I was also slapped with late payment. Called to waive but to no avail.

Oh well, that's sad. I am willing to pay for that and hopefully it will not make my sister's record bad.
She is my principal.

I think a few days is still a grey area where the bank might forgive you and waive if you appeal. It happened to me with CIMB. I missed the due date by around 5 days by accident, and according to my calculation, I will be charged with around RM5 extra charges (interest + late payment). I immediately called CS, politely apologized for my mistake, and asked for a waiver. The person said to wait until the next statement is out, and if there is still extra charges, call CS again to request for waiver. When the next statement came out, there was no extra charges.

This post has been edited by imnotabot: Aug 2 2017, 02:36 AM

i tried instant transfer to credit card b4 apparently it doesn't allow... only normal transfer
so i called CS and told them politely that i had transfer payment "today" due to busy schedule.

If it's one or two days after due day you paid there will be no charges charged.
I've forgot one of my payment due date and i paid like 2 days after due date, surprisingly when next month billing cycle posted, there was no charges or whatsoever.

P/S: But i overpaid like RM20 just to cover the incoming interest charges.

I have missed payment to SCB by 1 day before...also called to ask for waiver but asked to wait till statement comes out. In the end, I wasn't charged for late payment.

On a more serious matter like CCRIS record, i've read that different banks submit their "flagged" report at different times of the month. They may not flag you on CCRIS if the payment is resolved early enough and before their monthly submission.

No la, my late payment penalty already showing in unbilled transaction.

I tried and it works, payment already went through. I will ask my sis to call SCB later.

One or two days sure no issue but I missed a few days, due date was 27th July.

This post has been edited by fruitie: Aug 2 2017, 09:34 AM

I guess it doesn't hurt to try contact CS and explain your situation. 27th July is not too long ago. The bank might just waive the charges and keep your (sister's) CCRIS clean as a gesture of goodwill.

Experienced once time for CIMB Credit Card also...
That time holding too many cards and forgot to pay it
Bill on mid month and i only realized to pay on end month
Called to CS and informed them on the late charge RM 10.0 and they able to waive for me...

May give a try to SC CS.

Hi All,

If i paid my insurance through Just One Platinum for yearly, 1 time i can get the rebate?

Let say 3000 insurance per year, 15% = RM450 cash rebate...

Is it good?

And i see the RM7 movie everyday can buy using GSC app. Seem very good deal.

Has anyone paid your Worldmiles annual fees already? RM636... god

Already called. The CS said can see payment floating and my sis can only request when the statement is out which is 7th August.
Let's see. Gotta call again.

Rebate capped at 85 per month.

U only can get the 15% rebate when ur monthly expenses reach RM 2500 per month,
and have capped at RM 85 per month,
in fact, there is only 3.4% rebate.

and the RM 7 deal except Wednesday, only can buy on that day.
Like u wan buy for ticket tomorrow, the earliest time would be tonight 12am,
and there is limited. If all redeemed by others, cant buy though.

This post has been edited by SzeMeng76: Aug 2 2017, 12:25 PM

i see, if so maybe will not apply for it...

call and request for waiver.

Just to ask, the Uber 20% cash back apply only for Malaysia?
If I got uber ride during travel overseas?