Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards
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 Jun 25 2019, 12:03 PM
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#201
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia   
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QUOTE(#Victor @ Jun 25 2019, 11:32 AM) this is the form sent by agent asked to fill up for renewal, not sure is it consider as DDA (auto billing) payment method. asked the agent also not firm with the answer, first say yes after that say no Which agent you asked? SCB or Insurance?   Yesterday i live chat with the SCB and this is what he gave me:  |
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Jun 25 2019, 01:14 PM
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#202
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(#Victor @ Jun 25 2019, 12:27 PM) asked the insurance agent, because requested to fill up the form if pay using card. since it is card-not-present method, recently have make make payment using card with other agent by using card also, but the agent capture the card details on the spot and only charged after few days, then received an email receipt with DDA (Direct Debit Authorization) payment method, so i wonder does it consider auto billing for the filling up form method? We wont know until August result out   For the moment, i auto billing (debit) my prudential to JOP |
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Jun 25 2019, 06:22 PM
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#203
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(x-frame @ Jun 25 2019, 05:41 PM) OMG, it just came to my knowledge that Standard chartered interest calculation is different then all the other banks.... a totally ripoff calculation. If you are late in your payment, your interest will be charge until your next billing cycle. Means, if you are late for 1 day... they will charge you interest for all the days until your next billing cycle. Not only for that 1 day late... So late 1 day or 15 days = no difference... QUOTE(avinlim @ Jun 25 2019, 05:51 PM) How can it be? means they are charging Future interest once you have even RM10 outstanding balance? normally they have grace period AFAIK, you have RM1500 on your statement balance. when over due date you still have RM100 outstanding(Paid RM1500). Your RM1500 spending will hit by interest from the transaction date till the date you pay off total RM1500.  But someone did explain in early post, i forgot how is it. I did late 1~2 days paid before but didnt get interest expense. |
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Jul 1 2019, 08:17 PM
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#204
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(eddie2020 @ Jul 1 2019, 05:33 PM) Hahhaa didn't follow up thread, email only .. Still can keep la.. Sst coming this month... Keep us update Lfc remain RM50 no changes rite? I didn't found any info on it.. Lfc annual any one tried to waive? My is this month  |
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Jul 2 2019, 11:25 AM
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#205
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(allen6279 @ Jul 2 2019, 11:24 AM) Does SC JO have CB pool? It's not like how UOB works :\ say i have 1 insurance autopay maybe charge end of month like 25/26 @RM 150, so i topup 2350 to bigpay and i will get 30 + 22.50 correct? and if i pump petrol 50 then will get full 60 cb ? (currently petrol under company petrol card, maybe pump for parents) So, nope, no pool for CB and hopefully no in the future |
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Jul 2 2019, 02:14 PM
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#206
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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Just saw this in their TnC
Principal Card : RM250 (1st year Annual Fee Waiver ) (Effective 1 August 2018, subsequent years will be waived with minimum spend of RM20,000 per year4)Supplementary Card : Free https://www.sc.com/my/credit-cards/justone-...num-mastercard/ |
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Jul 2 2019, 02:25 PM
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#207
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(ClarenceT @ Jul 2 2019, 02:23 PM) The waiver is not mentioned in official T&C. Yea, but the whole information of JOP has been revamped to latest effective onehttps://av.sc.com/my/content/docs/my-sc-jop...credit-card.pdf Like RM1,000 above of rebate changed to "RM700 above of rebate" Max cap RM85 change to RM60 So all information should be legit one now |
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Jul 2 2019, 04:04 PM
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#208
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(babienn @ Jul 2 2019, 03:51 PM) Based on latest revision of JO card cashback terms, does it mean if I reload RM200 TnG at petrol station, it will be considered under petrol? Cause I don't have auto billing to tie to this card, and petrol I have other credit card to cover. Maybe can call CS and ask "reloading TnG at petrol station consider as Petrol expenses? " Since it just effective yesterday, we wont know the result until next month Sorry i cant help yet |
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Jul 2 2019, 04:25 PM
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#209
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(babienn @ Jul 2 2019, 04:16 PM) Thanks for replying. I believe since this is new, CS could be giving wrong or misleading answer. There's always white mice exist in the world If anyone did reload tng with this card before at petrol station and gotten cashback, then I believe the chance is high. If I have to chance to visit petrol station that allow reload tng with CC, I will try by this month then next month we will know the result.  |
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Jul 3 2019, 02:14 PM
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#210
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(klsooo @ Jul 3 2019, 01:15 PM) Is it all transaction must be in first week of the month to be eligible cashback (as what written in t&c) Anything after that will fall under next month anyway, lol.. |
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Jul 4 2019, 10:13 AM
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#211
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(ClarenceT @ Jul 3 2019, 02:46 PM) K.I.S.S. OK, now i'm blurred ...You already spent RM2500 on Bigpay on 1/7-3/7, so RM30 CB confirmed. From now on till 31/7 (but must be posted by 7/8), pump petrol up to RM200. If you pump RM100 before 31/7 (posted by 7/8), you will get +RM15 CB. If you pump RM200 before 31/7 (posted by 7/8), you will get +RM30 CB (max). Before 1st July, we just need to spend within month to get RM85 max once we hit RM2,500 (15%) Right now, for July portion (August return), when is the period that we need to spend after having this CLAUSE 3: QUOTE . Transactions must be posted within the first week of the following month to be eligible for meeting the minimum spend stated in Clause 1 above. Please note that transactions may be posted late by the merchant. The Bank will not be held responsible for late posting Does it mean that we need to spend before 8th July 2019? And July portion actually only has 1 week utilisation ? July RM60 = 1st July ~ 7th July August RM60 = 8th July ~ 7th August September RM60 = 8th August ~ 8th Sept Please correct me if i'm wrong |
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Jul 4 2019, 10:24 AM
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#212
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(CardNoob @ Jul 4 2019, 10:18 AM) Transaction date and posting date are two separate things. Meaning anything for MONTH OF JULY transactions must be appear before 7th August for them to calculate, right ? |
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Jul 4 2019, 10:43 AM
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#213
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(CardNoob @ Jul 4 2019, 10:25 AM) Yes but SC didn't clearly define the cut-off date/day for first week of the following month. Sounds like June portion (RM85) can till this end of week.My autobilling for Insurance might kicks in between tomorrow till next monday so i was worried just now XD |
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Jul 4 2019, 10:44 AM
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#214
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(avinlim @ Jul 4 2019, 10:29 AM) No..wrong. You still transact before end of each month for that mth cb. What he means is, if you purchase on 30-31st of the month, and the merchant somehow only settle your bill more than 7 days. then you not eligible for cb for that spend. Got one wrong is the month, i think i will amend it .To avoid these problems, avoid making purchase when close to cb cut off date...most card is end of every month. |
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Jul 4 2019, 10:54 AM
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#215
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(cybpsych @ Jul 4 2019, 10:50 AM) think this way. Yea, just an extra buffer for us and them to calculate the cash back. if transaction is NOT POSTED, how would they (SCB) count? so, scb is giving a cutoff timeline to begin calculate the cb. posted transaction = final, settled transaction = if any refund/dispute, standard chargeback process applies (long process) unposted transaction = not final = any dispute/refund/void can be triggered quickly without the long cycle. But they also no mention actual cut off period so from the clause i will think as by monthly which is "8th to 7th" |
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Jul 4 2019, 11:20 AM
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#216
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(cybpsych @ Jul 4 2019, 10:57 AM) make it simple lor. Yea, spend within mid month to get peace of minddont spend last 2-3 days of the month My initial thought is to rugi for July portion as i thought must die die before 1st week of July. |
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Jul 4 2019, 11:25 AM
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#217
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(cybpsych @ Jul 4 2019, 11:24 AM) most just read 1 clause at a time. Yes, the 3rd one confused me actually, which i will have a mindset of 30 days / 1 month provision only where as in this case like u guys explained - 30+ 7 days.scb updated 2 clauses that are both inter-related. they are more specific on when to calculate and how to treat cross-month posting. // 2. CashBack will be calculated at the first week of the following month and will be credited your credit card account or any other account we designate within the 60 days after the end of the relevant transaction months. 3. Transactions must be posted within the first week of the following month to be eligible for meeting the minimum spend stated in Clause 1 above. Please note that transactions may be posted late by the merchant. The Bank will not be held responsible for late posting. // |
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Jul 4 2019, 04:58 PM
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#218
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(wilson1149 @ Jul 4 2019, 02:56 PM) WM card no longer able to access below PPL effective 1st Aug Woot ?Airport Lounge klia2 Plaza Premium Lounge (Gateway, klia2) Plaza Premium Lounge (In Front of Aerotel klia2) The Green Market (Departure Level, Public Concourse, klia2) Good job SCB, keep going to slash benefits. Anyone know that can we transfer installments from one CC to another CC for Standard chartered? |
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Jul 5 2019, 10:54 AM
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#219
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(tan_aniki @ Jul 5 2019, 10:30 AM) Just a reminder to you guys pumping petrol and any online transaction this week are not counted to this month petrol/online quota as this month quota is based on usage from 2nd week of the month till 1st week of next month. Actually this is what i worry yesterday :\"Like What about those transaction of first week of August? Is it under July or August" |
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Jul 5 2019, 11:15 AM
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#220
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Senior Member
6,643 posts Joined: Aug 2008 From: Malaysia
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QUOTE(CardNoob @ Jul 5 2019, 10:56 AM) Kakak fruitie kan sudah beri penjelasan di atas. But my question answered yesterday =.=Inggeris susah nak paham. Baca terma dan syarat dalam BM. Versi BM kan ada di portal! |
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