Time to cancel some low usage card before SST and AF things kick in.

In his case, cash back also part of the payment. But just he did not pay full statement balance.

All of the time, cb will be treated as payment. unless your cashback redeemed is posted after your statement date, which will be calculated as next statement payment.

Rule of thumb, never have over due balance from statement balance after due date. Always pay full before due date.

No need to care about next statement, just check your balance got deducted that RM250 if yes, means money already in your account. Just make sure you pay full your currently statement balance before due date will do.

How long does the RM85 cb started already?

I am like just enjoying RM85 cb for 6 months, since last Dec2018 when I got my card. Now they change they game rules.

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

But if the AF kicks in and the user not using the card at all after that, still can cancel without paying a cent right?

Because this month, some people will get x2 cb(LFC)...so need more work...and slow a bit...

Checking my rewards now.................



Yes!! Got RM185 too... XD

U may need to check with bank maybe your card application not processed or already got rejected. 20 days is too long. I got sms telling me approved in 5 days, get the card after 1 week.

u can try "cash back" at the search function. confirm got your answer.

Yes, It has been reported that, when you pay overdue. The interest is charged based on your statement balance and calculated from the transaction date. Not base on the outstanding balance. I think this T&C also clearly stated in all cc charges & fee section.

Good luck.

This post has been edited by avinlim: Jun 24 2019, 08:48 AM

How can it be? means they are charging Future interest once you have even RM10 outstanding balance?

AFAIK, you have RM1500 on your statement balance. when over due date you still have RM100 outstanding(Paid RM1500).

Your RM1500 spending will hit by interest from the transaction date till the date you pay off total RM1500.

Yes, you all are correct. Once its late means late, they already give 20 days interest free period excluding the free addition period when you swipe your card after statement date. Why people still want to pay late and then bising bising there? Right?

If late, just pay the interest as penalty. No argument.

Humans always like to play fire till this level..

Let us know the results, sincerely hope you got slap by interests.

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.

Just to make life simple and understandable, you can ignore the last 3 lines. Just spend between 1st-30th every month. 99% you will get the rebate.

As 99% of the merchant also wont drag your payment for so long. They will usually settle the transaction within 1-5 days as they also want collect your money from your credit card bank. Even the settlement days can drag upto 60 days...its unlike happen. I never face merchant settler my bill more than 5-7days during my time using cc. haha...usually 1-3days they will settle n transaction will be posted on your card.

In this case, mayb they miss out your bills when doing settlement. Means they never claim money for what you buy...lol...

I really hope this kind of thing happen to me when I make big amount purchase. But never happen yet.

No..wrong. You still transact before end of each month for that mth cb. What he means is, if you purchase on 30-31st of the month, and the merchant somehow only settle your bill more than 7 days. then you not eligible for cb for that spend.

To avoid these problems, avoid making purchase when close to cb cut off date...most card is end of every month.

any thread regarding the Privilege$aver account thing?

want to know what is the T&C for

2% bonus interest on saving RM3000
1.5% bonus interest on spending cc on Boost/Bigpay

yes, this is the way they calculate interest + interest is calculated from the date of transaction.