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Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards

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ClarenceT
post Dec 6 2018, 04:04 PM

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QUOTE(janson_kaniaz @ Dec 6 2018, 04:00 PM)
still got that promo? i see only luggage promo now which i dont need haha
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https://www.sc.com/my/credit-cards/justone-...p&camp_id=maxis
(From Maxis/Hotlink Deal - RM150)
Please reconfirm the incentive when SC (Price Solutions) officer calls you.

This post has been edited by ClarenceT: Dec 6 2018, 04:08 PM
ClarenceT
post Dec 6 2018, 05:08 PM

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QUOTE(celciuz @ Dec 6 2018, 05:00 PM)
Cross border fee... which means paying in RM but to oversea merchant? Will the amount of displayed when paying or it will be charged later on when statement comes?
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https://forum.lowyat.net/topic/2519936

eg RM100.00 -> transaction amount RM101.00
ClarenceT
post Dec 6 2018, 07:49 PM

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QUOTE(kmed @ Dec 6 2018, 07:16 PM)
Just applied through your link. Usually how long does it take for them to reach me?
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2-3 working days. 03-7665****
ClarenceT
post Dec 7 2018, 05:03 PM

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QUOTE(janson_kaniaz @ Dec 7 2018, 05:00 PM)
Planning to apply JOP and LFC. Just want to confirm BP reload counts for the monthly cashback?
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Online 15% yes, as at Oct 2018. (JOP)
(CB for Nov yet to be released)

This post has been edited by ClarenceT: Dec 7 2018, 05:04 PM
ClarenceT
post Dec 8 2018, 08:57 AM

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QUOTE(timo1003 @ Dec 7 2018, 08:36 PM)
Hi guys, I had tried to apply for the SCB JOP card and I noticed in my CCRIS the credit limit under the application list (pending) is at least 20-30x my monthly income (which came up to 6 digits). Is this normal? Anyone has any experience on this?
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QUOTE(Gabriel03 @ Dec 7 2018, 08:49 PM)
I had the same exp when I applied in Oct. No idea why so big limit but when approved, the limit is adjusted to a more reasonable limit.
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Maybe blocking you to apply for other credit facilities from other banks.
ClarenceT
post Dec 13 2018, 08:43 AM

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QUOTE(eddie2020 @ Dec 13 2018, 12:32 AM)
How is late payment and interest charged? I kena charge 4x rm interest and rm 10 late charges.. Then I check I clear wrong amount which make I have 2xx rm outstanding
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Always pay the statement balance and a few days before the due date.
Don't always consider cash rebate/reward is a part of your payments.
ClarenceT
post Dec 14 2018, 11:01 AM

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QUOTE(rivendell @ Dec 14 2018, 10:52 AM)
For Standard Chartered JustOne Platinum MasterCard, to qualify for cash back, I need to spend certain amount of "retail purchase" per month.

Does topping up my BigPay card from JustOne qualify as retail purchase?
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Search "Bigpay" or "BP" (at "Enter Keywords"), you will get a list of answers/comments/advice/feedback.
ClarenceT
post Dec 16 2018, 09:28 AM

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QUOTE(kino318 @ Dec 16 2018, 09:23 AM)
how to get spin?
I top up  rm100 to bigpay but no sms, nothing.
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In exclusion list.
ClarenceT
post Dec 16 2018, 09:47 AM

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QUOTE(coolguy99 @ Dec 16 2018, 09:35 AM)
Not really I can get spin by topping up bigpay.
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Even you get the spin, doesn't mean you will get the credit at the end of campaign, SC might reverse as the transaction shall be excluded.
ClarenceT
post Dec 26 2018, 08:13 PM

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QUOTE(fruitie @ Dec 26 2018, 07:37 PM)
Boost of RM 2500 may end up 0 cash back. If I'm not mistaken, SCB doesn't give cash back for Boost.
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Top-up boost RM2500, SC will give RM5 CB, not zero CB.
ClarenceT
post Dec 26 2018, 08:24 PM

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QUOTE(sms2uu @ Dec 26 2018, 08:21 PM)
Means no necessaryly rm567 online to max rm85 cb? Can combine with boost?
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A * 0.002 + B * 0.15 = 85.00 smile.gif
A - Not Govt, Charity.
ClarenceT
post Dec 27 2018, 09:53 AM

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QUOTE(LostAndFound @ Dec 27 2018, 09:47 AM)
You sure it's based on transaction and not posting date? I'm a new user too, so not sure about that.
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Transaction date 1/12-31/12 for Dec CB.
ClarenceT
post Dec 29 2018, 06:40 PM

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QUOTE(lwc629 @ Dec 29 2018, 05:54 PM)
oh, i tot all will be under MCC 6012 which is excluded as per stated in the t&c
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It was 6012 till early Dec, it was then revised to 6540. MCC 6540 is not excluded in the original T&C, and SC is yet to amend the T&C by adding MCC 6540 into the exclusion list.
ClarenceT
post Dec 31 2018, 07:07 PM

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Hehe they shall already reach the target for 2018. So delaying the applications and approvals till 2019, sales target/figure will be refreshed.
ClarenceT
post Jan 1 2019, 06:30 PM

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QUOTE(TongCN @ Jan 1 2019, 06:14 PM)
Sorry if this asked before but currently using mobile so I can’t use search (I tried but no result)

When will be the 15% cash back comes into our reward in January let say December transact?
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Mid January.
ClarenceT
post Jan 2 2019, 11:44 AM

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QUOTE(beLIEve @ Jan 2 2019, 11:30 AM)
Maybe cash back business too good (bad for them, good for us). So they do like Hong Leong Wise.

The T&C PDF was last updated in Dec.
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Due to Bigpay and Boost (2018~) and AF waiver conditions (released in August), a surge in demand. So SC Card Marketing shall have overshot their target for 2018.

Before this, I was not interested to apply for a SCB CC.
ClarenceT
post Jan 2 2019, 02:30 PM

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QUOTE(beLIEve @ Jan 2 2019, 02:10 PM)
Same same. See 20k p.a. for waiver instantly lost interest....until I learn how you guys and gals hit the target along with the good cash back.
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Haha. before Aug, AF always apply unless call for waiver, I was not interested.
Then spend >RM20k over 12 months to waive AF automatically, No problem for me.

QUOTE(BacktoBasics @ Jan 2 2019, 02:19 PM)
So Bigpay top up eligible for cashback under JOP currently?
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Yes, at this moment.
ClarenceT
post Jan 2 2019, 02:35 PM

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QUOTE(BacktoBasics @ Jan 2 2019, 02:33 PM)
Thanks for the conformation

If spend less than 20k per annum, call for waiver still acceptable and approved??
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Spend RM2500 x 8 months including Bigpay/Boost. Not difficult right?
I got my card after August so I follow new rule.
ClarenceT
post Jan 2 2019, 02:40 PM

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QUOTE(Barricade @ Jan 2 2019, 02:38 PM)
Can someone share the link to register "spin n win"? I couldn't find it in SC website anymore
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https://www.sc.com/my/promotions/spend-and-win/
https://av.sc.com/my/content/docs/LFC-usage-campaign.pdf


This post has been edited by ClarenceT: Jan 2 2019, 02:41 PM
ClarenceT
post Jan 2 2019, 02:52 PM

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QUOTE(BacktoBasics @ Jan 2 2019, 02:48 PM)
what do you mean by new rule?

It is not difficult to spend, it is just not that affordable to spend so much per month.

Haha thats why i am doubting to apply or not.
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RM2500/month on Bigpay (>RM567)+Boost -> Cash-out -> Pay your SC statement balance.
so Free cash RM85 - Cashout cost (RM4 to 6)

new rule: AF waived if annual spending >RM20k. [JOP]



This post has been edited by ClarenceT: Jan 2 2019, 02:54 PM
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