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

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zenquix
post Dec 6 2019, 01:43 PM

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QUOTE(ClarenceT @ Dec 6 2019, 10:16 AM)
Yes.
1:**am is better than 12:** am.
12am-12pm is better than 12pm-12am (more transactions)
Middle of the month is better than the first few days and the last few days of a month.

RM5 is more predictable, no way to predict RM50/100.
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On the contrary i feel one need to hit the "busy" hours - but before all taken up.

12:00 - 1:00 alot of ppl spamming, so links get sent out quicker and better RNG

i just did a 5:00am (overslept sad.gif) and went 6x without a hit, but all the links were 0xxxxx - and feels nearly sequential

got my RM5+ RM5 with 4 tries at 9:00am (and links now at 1xxxxx)
zenquix
post Dec 7 2019, 12:51 AM

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QUOTE(koala225 @ Dec 7 2019, 12:36 AM)
First time won rm50🤗
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gratz

anyway - been re-reading the T&C based on what we know so far

contest runs for 100 days

it is likely daily capped so

per day
RM5 Cashback 1060
RM10 Cashback 150
RM15 Cashback 10
RM20 Cashback 5
RM50 Cashback 5
RM100 Cashback 5
TOTAL 1235

so assuming everyone spams for 2 cashbacks, only 600 odd people will walk away with a prize per day

it is also not 100% random - likely not to run foul of shariah / gaming laws

QUOTE
Winners will be selected based on a prefixed Cashback Prizes placement according to the sequential
order of the transaction done on that day until the capping for the number of Daily Cashback Prize
has reach the capping as stated in Clause 22.
so like my earlier observation, busy periods is better to run through the sequence, altho likely the later part of the day there is a lot less cashback up for grabs.

I might change my pull time from midnight to something like late morning for weekdays except for big days like like 12.12

cash back comes in 60 days after end of the month. so we will only get november cashback in february 2020
zenquix
post Dec 8 2019, 12:13 AM

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QUOTE(ronnie @ Dec 8 2019, 12:09 AM)
Each day after day..the 12am quota seem to finish very fast sad.gif
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what do u mean?
zenquix
post Dec 8 2019, 12:23 AM

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QUOTE(ronnie @ Dec 8 2019, 12:21 AM)
The drift cash back thingy......  rclxub.gif
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that i got - but are you getting URLs starting with 1xxx alot earlier? Since you mentioned quota finish
zenquix
post Dec 11 2019, 11:18 AM

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QUOTE(smartfreak @ Dec 11 2019, 08:51 AM)
Ok noted, that's what I am doing currently. Just wondering if there is a better way.
Thanks anyway.
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i track in Excel with the 6 letter code from SMS
zenquix
post Dec 17 2019, 11:53 PM

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i already shared my suspicion on the algorithm.

if you get the impression that the links you are getting are sequential, you are likely the only one pushing the transaction count along. So you should either stop, or keep going if you are feeling lucky. One snipe every hour imo is pure luck.

This post has been edited by zenquix: Dec 17 2019, 11:53 PM
zenquix
post Dec 18 2019, 12:24 AM

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pickings very bad this morning - 10x only RM5
zenquix
post Dec 20 2019, 05:39 PM

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worst day today. 10x for 0. giving up for the day.
zenquix
post Dec 24 2019, 06:12 PM

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QUOTE(ayamback @ Dec 24 2019, 01:08 PM)
Month end may be good for people to play... since everyone exceeded BigPay limit  laugh.gif
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or makes it worse as you will be playing against yourself - more occurrences of sequential links.
zenquix
post Dec 26 2019, 12:07 PM

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12AM pulls getting more busier. first time i see error 500 and mySQL server too many connections error
zenquix
post Dec 29 2019, 04:42 PM

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QUOTE(filidon @ Dec 29 2019, 02:28 PM)
thanks for your reply. Mine CB normally reflected around few days before the statement date end. ie around 23rd to 25th monthly.

i am a bit concern if there is any changes to the TNC ( except noted that Liverpool need to spend min 2k to get RM 50 starting 1 jan 2020 )

hope i can still get mine CB this month
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Dec spending only get in Jan or Feb (usually 2-3 weeks from end of calendar month so far).

Will only appear in statement if you have claimed it in Rewards360. So have you claimed it this month for Nov spending (for it to appear in your Dec statement)?
zenquix
post Jan 4 2020, 12:37 AM

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QUOTE(cucikaki @ Jan 3 2020, 07:36 PM)
Anyone make an auto-billing of prudential insurance to their JOP? Has they charged ur card yet? I know they always charge between 3-7 of the month, i scared they try to charge today, but my CL is max this morning. Scared they try to charged but cant go thru as my CL is reached.

p/s: can see from the unposted if they have charged it.
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not yet charged. do check your Dec bill. My prudential only got charged middle of the month (instead of usually 1st - 4th of month)
zenquix
post Jan 8 2020, 12:38 AM

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QUOTE(sohakyee @ Jan 8 2020, 12:18 AM)
If Got 2 cards can earn 2x reward spin per day each card?
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based on t&c only 2x per day per cardholder - regardless of card count
zenquix
post Jan 12 2020, 11:41 AM

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QUOTE(jiaen0509 @ Jan 12 2020, 10:31 AM)
Some banks even cooperate with the e-wallet provider to have top-up promotions.

So far only Tiger Bank restrict the e-wallet top-up for cashback or point, that's the reason I seldom use it.  brows.gif
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CIMB only gives contests but no points or cashback for ewallet. i rather use something with guarantee than something luck based.
zenquix
post Jan 17 2020, 10:46 AM

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QUOTE(Dexter @ Jan 17 2020, 10:42 AM)
Started 12.10am today since I not yet sleep...within 3 tries, got 2x (RM5). Easier than normal working hour. Then close shop!
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pure luck. same time 7x only rm5 to show for it
zenquix
post Jan 23 2020, 11:00 AM

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QUOTE(mia1998 @ Jan 23 2020, 09:21 AM)
Made pymt through TNB app but no drift sms.
Topup BP and get drift sms.. Too bad only able topup twice and limit reach for this mth.
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Utilities are in the non eligble spend

https://av.sc.com/my/content/docs/Year-End-...ng_TC_Final.pdf

Clause 17

17) Eligible Transaction shall exclude the following transactions:

o Utilities/Insurance/Telecommunication

4814 Telecommunication Services
4899 Cable, Satellite and Other Pay Television and
Radio Services
4900 Electric.Utilities
5960 Direct Marketing.Insurance Services
5968 Direct Marketing.Continuity/Subscription
6300 Insurance Sales, Underwriting and Premiums o Petrol

o Petrol
5541 Fuel Service Stations Manual
5542 Fuel Dispenser Automated o Government Services

o Government Services
9211 Court Costs including Alimony and Child
9222 Fines Government
9223 Bail and Bond Payments Government
9311 Tax Payments
9399 Government Services
9402 Postal Services.Government Only

o Professional and Commercial Services
6010 Member Financial Institution.Manual Cash
6011 Member Financial Institution.Automated Cash
6012 Member Financial Institution.Merchandise
6050 Quasi Cash.Member Financial Institution
6051 Quasi Cash.Merchant
6211 Securities.Brokers/Dealers
6513 Real Estate Agents and Managers.Rentals
6529 Remote Stored Value Load.Member Financial
6530 Remote Stored Value Load.Merchant
6531 Payment Transaction Provider.Money
6532 Payment Transaction Provider.Member
6533 Payment Transaction Provider.Merchant.
6534 Money Transfer.Member Financial Institution
6535 Value Purchase.Member Financial Institution o Others

o Others
7000 CEPP Smart Instalment
8398 Organizations, Charitable and Social Service

zenquix
post Jan 23 2020, 02:02 PM

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i honestly suspect 12am-1am is no longer a good time.
zenquix
post Feb 1 2020, 05:22 PM

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QUOTE(cucikaki @ Jan 31 2020, 12:48 PM)
RM700 get RM10+RM5 today.

RM300 to boost - i have RM1.5k in boost stuck now in 2 accounts total RM3K - tomorrow only can withdraw.

RM200 in GrabPay - tomorrow got meetup with friends at Sushi King so gonna use grab to pay
RM200 in TNG - for paying 7 11 cashback campaign in Feb RM11x4 tng account, the rest need to really spend or pay bills.

exhaust all my 3 BP and 3 Boost.

RM10,000 X 3 = RM30,000
Boost RM9,000 X 3 = RM27,000

Hanging in Boost and other e-Wallet = RM1.5K + RM400.

Damn RM58,900 cannot even sustain the cashback game from other CC + SCB Drift.

This month, i have yet to compile, but i know for sure got more than 5 days where i spent RM2,000 just to either get RM5, RM5+ RM5 or worse like yesterday RM2K end up with nothing at all.
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wah if you committing 60k a month, the mustang very high chance will be yours
zenquix
post Feb 3 2020, 11:18 PM

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QUOTE(cucikaki @ Feb 3 2020, 08:31 AM)
Should be. I cant be impartial by reading this as the understanding wa in my head in the first place.
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one blindspot in this analysis is that the gap between hits is fixed

I am of the thought that the analysis is correct for Nov and Dec. But once SCB had a good sample of spending attempts over the 1 month + , they tweaked the gaps to make the previous "busy hours" to have less hits.

That would explain the poor results from January I noticed from almost everyone in the thread.
zenquix
post Feb 5 2020, 10:32 AM

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QUOTE(jiaen0509 @ Feb 5 2020, 06:03 AM)
Today 10trx get 0 drift cb.

/1Rxxxx
/1Rxxxx
/1Rxxxx
/1Rxxxx
/1Rxxxx
/1Sxxxx
/1Sxxxx
/1Sxxxx
/1Sxxxx
/1Sxxxx

The gap move to another alphabet increased?
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guess this debunks the 1 in 5 theory earlier. personally i stop if i start getting the same 2 letters 2-3 times in a row

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