Not vacation la. For working purpose, only go out after work and weekends.

Yes HR but HR is not all about recruitment.
I'm here for projects, not recruitment projects.

I will be here for a month, luckily got this card on time.

This post has been edited by fruitie: Mar 4 2017, 01:22 PM

SCB cards are good but the AF is pretty hefty to pay.

Though my sis claims that she hasn't been charged with AF all these years for her SCB CB Gold, I just want to prepare ourselves on this, how easy to waive the AF? I'm quite interested with the JustOne card but the AF is pretty high.

Any old timers care to shed some lights in this matter?

Great information. Thanks!
So, I can spend like normal and no need to avoid spending before AF is charged right?

Some banks do not allow to waive AF if you still spend after AF is charged.

Yeah, my sister mentioned the same thing too, already having their card for at least 7 years but no AF has been charged so far.

Hmm. Then any benefit if charged to World Miles?

It's on the first post.


The seasoned users said it's easy to waive. My sister has been using SCB card for long long time, at least 7 years by now, very low usage (sometimes only once a year) but never got charged with AF since day 1. She's using SCB Cash Back Gold.

If no criteria mentioned means there is no AF waiver condition. You have to pay for it when the time comes or get bank to waive for you (their discretion). So far SCB is pretty lenient when it comes to AF waiver.

Just pay statement balance before due date, it will be OK. Statement date varies accordingly and due date is statement date + 20 days.

Doomed. 0 Bonus points available.
I am a supplementary card holder and both principal and supplementary have 0 points. My principal card didn't spend anything.
So burnt for my case? We checked with SCB before and supplementary card is entitled for cash back too but needs to be redeemed by principal. Why 0 then?
Just to confirm for Feb cash back right?

This post has been edited by fruitie: Mar 22 2017, 06:01 PM

Oh, I thought will show points before I can redeem. Terkejut I.
Can redeem already but unfortunately it only shows my principal card, so I think it will be credited to my principal... CS told us before, principal can choose which card to transfer to.
Looks like my sis has to call SCB soon to transfer to my card.

Anyway, still no Uber cash back for last month right? I hope supplementary card enjoys this rebate too.
Can't wait to apply for my own card...

This post has been edited by fruitie: Mar 22 2017, 06:17 PM

Of course, else how to use it?

Not laughing. Oops. But how did you plan to use it?

Well, both of us were referring to cash back (monetary).
Anyway, I'm not interested in buying stuff, not sure about MrLoo.

This post has been edited by fruitie: Mar 22 2017, 11:26 PM

Cash back from credit cards is usually used to offset against future purchases or statements.
Can transfer to your CASA probably it's the time you cancel the card and it still has negative balance (credit)...

As expected the fund goes into my principal card, time for my sister to call them to transfer my card. Such inconvenience.

Just for knowledge sharing...

Principal can transfer points to supplementary before do redemption but it will charge RM 10 per transfer. So, to save cost, just redeem to transfer and call CS to transfer CB to supplementary. It takes three working days to effect. I shall monitor further.

Uber cash back is also applicable to supplementary cards. Again cash back goes to principal and have to call CS to transfer to supp.

I really can't wait to have my own principal card.

Uber cash back is in. My sister has to call CS again to transfer to my card.

I got RM 17.99.
I will max out RM 60 for March.

I only used once in Malaysia from my house to airport and the rest all in India. Perfect timing for me.
For my case, I thought I won't max out RM 300 but I calculated that day, I already exceeded. I didn't change my card to YOLO because I also maxed out that.
So just let it use my excess credit (BT from Maybank, requested higher amount) and last month's cash back.