received email today that it was reduced to RM60/mth
Well...that's too bad i guess
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 Jul 1 2019, 01:13 PM
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Junior Member
545 posts Joined: Feb 2019  
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i remember when signing up for Stand Card Card, the monthly cash back cap is at RM84/mth
received email today that it was reduced to RM60/mth Well...that's too bad i guess |
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Jul 1 2019, 01:17 PM
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Senior Member
3,101 posts Joined: Dec 2007 
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QUOTE(Level 60 Wizard @ Jul 1 2019, 01:13 PM) i remember when signing up for Stand Card Card, the monthly cash back cap is at RM84/mth It was RM85 but from this month onwards, it has been reduced to RM60 with a few tweaks.received email today that it was reduced to RM60/mth Well...that's too bad i guess  This has been discussed in length since quite a couple weeks ago. |
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Jul 1 2019, 01:19 PM
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Junior Member
545 posts Joined: Feb 2019
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QUOTE(talexeh @ Jul 1 2019, 01:17 PM) It was RM85 but from this month onwards, it has been reduced to RM60 with a few tweaks. Ahh my bad to have missed it..This has been discussed in length since quite a couple weeks ago. will search back past posts..thanks! |
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Jul 1 2019, 01:21 PM
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All Stars
14,959 posts Joined: May 2015
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QUOTE(Level 60 Wizard @ Jul 1 2019, 01:13 PM) i remember when signing up for Stand Card Card, the monthly cash back cap is at RM84/mth And CB for online transactions is now capped at RM30/month only.received email today that it was reduced to RM60/mth Well...that's too bad i guess |
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Jul 1 2019, 01:21 PM
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Junior Member
545 posts Joined: Feb 2019
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QUOTE(fruitie @ Jun 30 2019, 12:35 AM) My SCB cards will reach their anniversary in July and AF/SST will appear in August statement. So, if they are not waiving my AF because I didn't spend enough lol, I have to cancel all their cards. That's why I can't shift my insurance auto-billing to JOP yet. To avoid the hassle of changing cards if my JOP is eventually cancelled. some insurance like GE have very efficient was of changing your card.For July and August, if I just spend 1.5k on online transactions, I will get RM 28 right? That's the max I can get with the most minimum spending, correct?  in fact , i changed twice early this year. once from Citibank > Maybank..then from Maybank again to Standard Chart. All i need to do is for my agent to send me the PDF file through whatapps.. then i print out, fill in the details...and take a picture using some PDF app and send back to her all done in less than 15mins..and within next few days, it charge to the card i preferred very, hassle free |
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Jul 1 2019, 01:37 PM
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All Stars
10,912 posts Joined: Feb 2006
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QUOTE(Level 60 Wizard @ Jul 1 2019, 01:21 PM) some insurance like GE have very efficient was of changing your card. Alternative, you can login to your e-connect account and update payment method to your preferred CC for auto debit in fact , i changed twice early this year. once from Citibank > Maybank..then from Maybank again to Standard Chart. All i need to do is for my agent to send me the PDF file through whatapps.. then i print out, fill in the details...and take a picture using some PDF app and send back to her all done in less than 15mins..and within next few days, it charge to the card i preferred very, hassle free More green as no paper wasted. |
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Jul 1 2019, 01:38 PM
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Staff
72,876 posts Joined: Sep 2005 From: KUL 
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QUOTE(Level 60 Wizard @ Jul 1 2019, 01:21 PM) some insurance like GE have very efficient was of changing your card. I know it is efficient and I also did it myself for GE. I did online and no form is required, it was done on the next day.in fact , i changed twice early this year. once from Citibank > Maybank..then from Maybank again to Standard Chart. All i need to do is for my agent to send me the PDF file through whatapps.. then i print out, fill in the details...and take a picture using some PDF app and send back to her all done in less than 15mins..and within next few days, it charge to the card i preferred very, hassle free For now, it is tied to my BP, just for two months, I think I can live with it for now.  |
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Jul 1 2019, 01:40 PM
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Junior Member
545 posts Joined: Feb 2019
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QUOTE(vin_ann @ Jul 1 2019, 01:37 PM) Alternative, you can login to your e-connect account and update payment method to your preferred CC for auto debit ahh..online...true alsoMore green as no paper wasted. only problem are the many pwds i hve to remember Hahaa.. QUOTE(fruitie @ Jul 1 2019, 01:38 PM) I know it is efficient and I also did it myself for GE. I did online and no form is required, it was done on the next day. i see. good to know For now, it is tied to my BP, just for two months, I think I can live with it for now. |
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Jul 1 2019, 01:56 PM
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Senior Member
1,941 posts Joined: Nov 2008
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QUOTE(lynnmouse @ Jun 24 2019, 09:45 AM) I cancelled my card, as I been late payment with the amount of RM 115.45. i understand your feeling....Although I paid on the second day after due date, SC charged me for INTEREST of RM 41.98. I never late pay for three years with SC, and by the amount of <RM 150. It cannot be waived. The calculation was based on the outstanding amount as of the day (included unbilled transaction). It was a good card, but i never been this kind of treatment from all credit card that i had ever! you are telling that everytime u pay on time or before the due date but just missed 1 time and the bank treat you as their way so you very angry... hahahaha funny la you.... you thought bank will talk about relationship with you ar? bank is reality..... hahahahaha FYI, CIMB also like that, no grace period.... others may have also might not have. QUOTE(TongCN @ Jun 25 2019, 07:22 PM) normally they have grace period not normally.... and it is not all banks But someone did explain in early post, i forgot how is it. I did late 1~2 days paid before but didnt get interest expense. dont assume till you try it out yourself.... QUOTE(ClarenceT @ Jun 26 2019, 09:47 AM) You had more than 2 weeks to pay after you received the statement. Why you always wanted to pay on or after the due date? Just for the peanuts! If you don't manage properly, you will end up paying more than the peanuts. You are very correct....I help them to answer you why they tend to pay late.... some people might tell you, salary out end of month only can pay ma...... some might tell you busy la.... forgot la.... some might tell you.... why pay so early? pay bank so early they will rebate you meh? No! So, pay last day only pay i can save interest in bank (his/her saving/current account) |
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Jul 1 2019, 02:00 PM
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Senior Member
2,965 posts Joined: Jul 2014
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Paying insurance using jompay not consider auto pay right?
got one GE due, think to use what to pay to maximize the reward. Dunno can use that to pay GE. my YOLO already fully utilized. |
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Jul 1 2019, 02:15 PM
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Senior Member
1,941 posts Joined: Nov 2008
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QUOTE(fruitie @ Jun 30 2019, 01:35 AM) My SCB cards will reach their anniversary in July and AF/SST will appear in August statement. So, if they are not waiving my AF because I didn't spend enough lol, I have to cancel all their cards. That's why I can't shift my insurance auto-billing to JOP yet. To avoid the hassle of changing cards if my JOP is eventually cancelled. so you cencelled off already? For July and August, if I just spend 1.5k on online transactions, I will get RM 28 right? That's the max I can get with the most minimum spending, correct? QUOTE(PrincZe @ Jul 1 2019, 09:26 AM) Guys, today is the day. can I do like the below? Start pumping rm200 petrol and rm2300 BP to get full rm60 cb Petrol RM 500 x 15% = RM 75 (capped at RM 30) Boost/Grab pay/TnG eWallet RM 2000 x 15% = RM 300 (capped at RM 30) |
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Jul 1 2019, 02:20 PM
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All Stars
14,959 posts Joined: May 2015
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QUOTE(se800i @ Jul 1 2019, 02:15 PM) so you cencelled off already? Petrol capped at RM60, not RM30.can I do like the below? Petrol RM 500 x 15% = RM 75 (capped at RM 30) Boost/Grab pay/TnG eWallet RM 2000 x 15% = RM 300 (capped at RM 30) Ie you can spend RM400 on Petrol and RM2100 on others (including Petrol, BP, Boost, insurance) |
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Jul 1 2019, 02:25 PM
Show posts by this member only | IPv6 | Post
#7353
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Junior Member
230 posts Joined: Jan 2008
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Only became aware of CB reduction from 85 to 60 today via email from SCB. Firstly would like to commend SCB Customer Service for sending out the email. Some other banks don't even bother. Unfortunately, 2.4% earn rate (60 / 2500) is really too low IMHO. Now, this card is even worse than the RHB World Mastercard. So I will be cancelling this card once the June 2019 cashback is credited to my account.
Will still keep using the SCB Liverpool card. The earn rate 3.3% (50 / 1500) is acceptable. |
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Jul 1 2019, 02:32 PM
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Staff
72,876 posts Joined: Sep 2005 From: KUL
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QUOTE(se800i @ Jul 1 2019, 02:15 PM) so you cencelled off already? No, not yet. Still can spend for this month. |
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Jul 1 2019, 02:34 PM
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Senior Member
2,150 posts Joined: Apr 2009 From: 首尔 
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any ways to check the reason why get rejected for cc application?
I tried to ask the CS, they do not want to tell me. would like to get liverpool card, but failed. currently owned PBB VS (supp card), PBB quantum and MBB bacerlona and MBB AMEX. all credit cards without outstanding payment.  This post has been edited by chenhui87: Jul 1 2019, 02:37 PM |
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Jul 1 2019, 02:36 PM
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Staff
72,876 posts Joined: Sep 2005 From: KUL
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QUOTE(chenhui87 @ Jul 1 2019, 02:34 PM) any ways to check the reason why get rejected for cc application? No. Banks have no obligation to share rejection reason. Try checking your CCRIS and check your DSR if commitment is too high.I tried to ask the CS, they do not want to tell me. |
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Jul 1 2019, 02:37 PM
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Senior Member
2,150 posts Joined: Apr 2009 From: 首尔
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QUOTE(fruitie @ Jul 1 2019, 02:36 PM) No. Banks have no obligation to share rejection reason. Try checking your CCRIS and check your DSR if commitment is too high. CCRIS sure ok, what is DSR?This post has been edited by chenhui87: Jul 1 2019, 02:38 PM |
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Jul 1 2019, 02:39 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(chenhui87 @ Jul 1 2019, 02:37 PM) CCRIS sure ok, what is DSR? Debt Servicing Ratio = (Total Commitment ÷ Nett Income) × 100This post has been edited by kelvinlzy: Jul 1 2019, 02:40 PM |
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Jul 1 2019, 02:39 PM
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All Stars
21,326 posts Joined: Jan 2003 From: Kuala Lumpur 
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QUOTE(chenhui87 @ Jul 1 2019, 02:37 PM) CCRIS sure ok, what is DSR? Debt Service Ratio |
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Jul 1 2019, 02:40 PM
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Staff
72,876 posts Joined: Sep 2005 From: KUL
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QUOTE(chenhui87 @ Jul 1 2019, 02:37 PM) CCRIS sure ok, what is DSR? Debt Service Ratio https://www.comparehero.my/debt-management/...t-service-ratio, https://www.propertyguru.com.my/resources/b...ratio-DSR-12055 - Usually for loan though.Anyway, just keep trying until it is approved then. |
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