Anyone paying prudential insurance and may i know what's the MCC code ?

wanna called current auto billed bank but kept in loop waiting CS =.=

Hi, maybe your case is very similar to fruitie as per her statement below? By the way, may I know if you pay the full outstanding amount, statement amount or pay some random amount every month?
I talked to SC sales team before, and they told me that my record is too clean in SC, so usually I will not receive any preferential service from the bank. I don't know if this would affect the AF waiver decision.

You just applied and already paid the SST, so why don't you just use the card and terminate it closer to your anniversary? Then it won't be wasted.
I don't know if what people telling me are real, that it will affect your credibility if you cancel a credit card too early. They said usually it would be better to terminate only after 6 months after your approval.
Whatever it is, it does not hurt to use the card for another 6 months because you would've already paid whatever you were supposed to pay even if you terminate it early. Please correct me if I'm wrong.

As for the luggage, it took them almost 3 months to deliver it to me (I believe it is due to the campaign period). They did mention that your spending will be monitored for the first 60 days, thus they will only verify your eligibility after the 60 days period.

I always called them after i saw AF charged on my statement (20 days before due)
They didn't question me anything and said I will see the amount credited back by next day.

So, by the time i do my statement payment, i just paid outstanding without AF.

actually i will just hold but not use because the restriction and rate is very bad actually. I did that for few cards already, HSBC, Citibank, i hold them because that time they got promo for lazada/11street rm 500 voucher

Revisions to Standard Chartered JustOne Platinum Mastercard® Credit Card (SC
JOP) features effective 1 July 2019


https://av.sc.com/my/content/docs/my-revisi...credit-card.pdf

We have discussed since last Friday.


Anyway, it is still a worth keeping card. I will assess based on my needs as my anniversary is also in July but I think last year AF was only charged in August.

Thanks for your confirmation bro
But then yeah, I am not a risk taker in this situation. RM250 is a bit too much for me to gamble on when my current cumulative cashback is only RM800+. So it would be better for me to cash out that amount to offset whatever balance I am going to use for this month.

Yeah, I myself have been applying a few credit cards for the gifts too, but I will only apply those cards that I would be using for the next few months.
For JOP, usually SC will require you to use RM1k in 60 days, so yeah might as well just use another RM1.5k to be eligible for the full RM85 cashback while it is still valid, so in total you will get a luggage bag and RM100 + RM85 cash back

I dont really care BigPay goes through what type of payment, ultimately I just want to know whether I get the CB or not. There is a discussion on this and there are a lot of people saying that BP falls under FPX. Whether they are right or wrong, I also dont know. So the best thing is just to try it out next month.

It is not FPX since day 1, I'm not sure where you read it.

ya i thought no details was given until today?

Amount	CB %	CB Amount
999	0.2	1.998
499	5	24.95
32	10	3.2
1530		30.148

under new structure, if just use for online (topup), then just spend RM1530 to get max of RM30 CB...

This post has been edited by lamode: Jun 10 2019, 10:42 AM

Err.. You sure?

Just use it for auto bill and online, you still can get RM 60.

thanks, my bad

May I know statement out only will receive cashback or got a specified date for it?

As above.

spend just RM1530 wont get u RM30 cb ehh.. please read back sifu2 posts previously or SC t&c for new cb structure.

this is already based on new cb structure.
will report back once i gotten RM30.

Hahaha. This is crucial

Actually it's quite true from the pic ,hmm

on tier 3 (1.5 <> 2.5) you get 10% which can get max RM28 ?

So confuse as it's monday blue XD

Saw this from ringgitplus for JOP
So, no auto waive, but still possible to waive if spend above 20k.

//
On top of that, StanChart also stated that the card’s annual fee is no longer automatically waived when cardholders spend above RM20,000 per year. This means cardholders will need to contact the bank to waive the RM250 annual fee if they have spent more than RM20,000 with the card.
//

https://ringgitplus.com/en/blog/Cash-Back-C...tm_medium=email