Top up twice rm100 and got once rm5 today.

Mostly to those who asked these questions are in serious debt issues IMO. For investment purpose yes if you have the knowledge but for loan def not and not possible too.

No problem at all.

Yeah, your case is understandable. Just wanna remind others there is no rush to cancel now, after all you may have paid for the SST (since AF is waived most of the time).
Next month onward, LFC CB will be put in cold storage. Good to reduce my spending too.

I used to have a few big monthly payments that goes into JOP for >RM2.5k monthly to get RM60. Now one of it into JOP to reach 1k (which surprisingly still get RM30, I was expecting RM20 or less, I need to recalculate) and all the remaining into Affin Duo Visa.
BTW, I still need to spend minimum JOP 1k for Privilege$aver account 0.9%.

I have been calculating on the best return options:
1) 2.5k JOP + PS
2) 2.5k Affin + PS
3) 1k JOP + 1.5k Affin + PS

1.5k from Affin @ 3% = RM45 already. If I spend as option #1 into JOP (even if spending qualify), I get another RM30 only.

Note: PBB VS 6% & QM 5% and MBB Amex 5% already used for other things. Also I'm rounding the payments stated to 1k, 2.5k for easier reading.

Just sharing, I'm open for any better recommendation and convenient to me.

hardly find any card got benefit with government related payment.

Wow the promo is really not attractive to the public enough haha

I used to think this also... but until one of my insurance accept grab pay, then i realise, just reload is fine.

And i use grabpay for grocery or restaurant. Maybe grabpay more ok at klang valley and plus duitnow qr also accept already then, really more ok.

I just spend RM700 before i got the sms ...zzZzz not sure if counted

still receiving sms, saying the rm3k to get rm550 shopee voucher still available.....

Tempting!

RM0.00 StanChart: Turn your ONLINE spend into rewards with Mastercard. Get RM550 Shopee Voucher with min RM3k spend til 10/8. Limited vouchers. T&C: bit.ly/m2-a

i don't reali like JOP .

JOP easily 1 of the most complicated card to use out there.

1) Monthly spend tier with diff CB rate and diff CB cap for each tier.
2) Even you spend >2.5k, there is each category (online/petrol/autobill) max cap RM20.

if we missed out any will result lost of CB.
for eg last month i only spend RM2.3k+ instead of 2.5k, making my CB RM28 instead of RM60 as calculated early of month.

anyone need zero interest and interested to get SC CC can enjoy the promo now



reference: https://www.sc.com/my/promotions/interest-free-coc-plus/

Not able to check now cause the card is blocked, the card details not showing in app anymore, but the credit limit is still missing RM3k plus… I thought they will declined the transaction directly.

I did get a missed call from this SC number +6032339999 at 9.16am, I didn’t call back to this number cause i don’t know that number is from SC bank but I did call to SC CS immediately. Hope SC can successful to remove this transaction otherwise I gonna pay 3600++

31st August 2021. Refer to post above by k2017.