Are you within the first come first serve? Just 1platinum toppers already got it late last night.

I think so. Post 12439 is 16th.

Link missing entirely also got. That was 7-10 days ago. My BP and boost quota finished around the boost 2x100 campaign, so I just assume it's the same. And once I topup twice before link SMS came in, I get only 1 time. Same like Russian roulette last year - cannot topup before link SMS come in

This post has been edited by beLIEve: Feb 22 2020, 12:38 PM

I think too late already. Last reported Success is 16th morning

usually few seconds finish, though once I experienced over a minute. I still didn't manage to use it, because apparently, it's once per campaign per person.

what I would do is spend until 2 months before the next SST billing. Claim cash back 1 month before SST, then cancel it.

JOP cashback available

call them to waive your late payment interest? if you want the SMS, I think they will tell you it's for selected customers only.

#MeToo. Beginning to lose interest with this card. My autopay for TNB and petrol is unpredictable each month, so have to keep tracking or overspend.

At the current rate, it's not far off from Liverpool's 1% for those who don't use a lot of petrol and dislike autobilling. Likely will switch to Affin IF my application gets approved.

TNB automagically applied partial moratorium. That's why not fully paid. I also lost cashback because of that. You have to call in to cancel.

My petrol is near 0. Max I can reap is rm40. Extra rm15 for the hassle to keep track every month for rm 2500 spend.

i did that, but was too late. once autopaid, it doesnt kickoff until the next cycle or something like that. lost 1 month from autobilling.

i think there is a minimum amount of $1k. At least, a couple of years back, I took up their BT offer for Liverpool and minimum was 1k.

Effective interest rate for 3.88% is 7.09% == RM 86.57 for 1k. Dump inside ASN earn $40. Doesn't sound like a good deal unless they allow early settlement without penalty and interest.

cc syaaron

This post has been edited by beLIEve: Jul 12 2021, 09:12 PM

lucky i stopped trying. after continuous strike on first attempt for 3-4 days last week, i got bupkis. tried a total of 4 times in 3 days after that and called it quits.

This post has been edited by beLIEve: Jul 22 2021, 11:47 AM

sometimes SMS go missing. since 2-3 years ago

yes

if you don't have any better spendings, then yes for Liverpool. it's only 1%, so I place it last in the order.

CL increase SMS is quite common. you'll get it once a while. I never accepted it once. There are pros and cons. From earlier posts in one of the credit card threads, if your limit with 1 bank is too high, other banks might feel additional credit exposure is risky and reject your new application. So in the end, you have to reduce your limit to make way for other new banks.

RHB is slow. can try calling their IVR to check. if you manage to find someone to talk to, ask if reducing limits will help. it's covid time, banks are extra cautious

Does this mean there are 2 separate charges? No late payment charge if cleared within 3 days but interest will be charged?

based on my understanding a couple of years ago. 18% is when you paid below the minimum amount or never pay at all during your first year. 17% is after first year provided that your first year record is clean, i.e. always pay >= minimum amount. 15% is charged on the balance after you pay >= minimum amount


thanks. do share the outcome. back in those days, they say no mercy from std charted. would like to hear if there's any changes.

This post has been edited by beLIEve: Aug 27 2021, 03:39 PM

you've got mail

mine looks ok. didn't clawback much cash though. hit monthly max cashback, stop.

bank negara did not state reinstate blabla failing which, what will bank negara do?

seems like more institutions just ignore bank negara nowadays, other than complying to get their license