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Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards

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skty
post Dec 11 2019, 01:21 AM

There is only one thing I know. That is I know nothing.
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QUOTE(beLIEve @ Dec 11 2019, 01:18 AM)
3x$100 got $15 + $100. Was I shocked
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congratz
skty
post Dec 14 2019, 04:12 PM

There is only one thing I know. That is I know nothing.
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QUOTE(muscaa @ Dec 14 2019, 07:46 AM)
till now I haven't received the cashback bruce.gif
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you har... go back to M2P thread... siu siu siu! biggrin.gif
skty
post Dec 17 2019, 07:01 PM

There is only one thing I know. That is I know nothing.
*******
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QUOTE(ClarenceT @ Dec 17 2019, 12:51 PM)
Snowing now, not easy to drive to right lanes, most of the time I skid to PTA lane.  sweat.gif
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QUOTE(ClarenceT @ Dec 17 2019, 02:23 PM)
Always bad luck on Sunday - I found out in previous spin&win game last year so I will not play on coming Sundays.
1/12 RM5 / RM400
8/12 RM5 / RM1300
15/12 Not playing
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don't do on that period. 15 times get 0 return.
skty
post Dec 22 2019, 10:53 PM

There is only one thing I know. That is I know nothing.
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Today tried 8x RM100 get RM5 x2.
1st one get the number starting with 9. I think after 12am the system failed to reset immediately. LOL
skty
post Dec 23 2019, 05:40 PM

There is only one thing I know. That is I know nothing.
*******
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QUOTE(ClarenceT @ Dec 23 2019, 05:36 PM)
Already bought a lot of gift vouchers because of PB games.
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sweat.gif
skty
post Dec 24 2019, 07:19 PM

There is only one thing I know. That is I know nothing.
*******
Senior Member
4,508 posts

Joined: Aug 2005
From: Klang/Shah Alam


QUOTE(beLIEve @ Dec 24 2019, 06:05 PM)
Boost can transfer money to your trusted friends and family. Courtesy of Clarence ๅ‰่ผฉ. Another 1400-4500 to drift depending on the number of trusted people you have
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you can do that for final month of the campaign, not now.
skty
post Dec 25 2019, 05:41 PM

There is only one thing I know. That is I know nothing.
*******
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I am not sure how correct about what you guys say but my experience shows me all those assumptions are not 100% correct.

I threaten to cancel one card, but eventually i get all three cards cashback for SST. The hint is : make sure you talk to someone that has the authority to give those offers. And in order to reach to those "someone", normally they call you, not you call them. brows.gif icon_idea.gif
skty
post Dec 25 2019, 11:17 PM

There is only one thing I know. That is I know nothing.
*******
Senior Member
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From: Klang/Shah Alam


QUOTE(lhsu @ Dec 25 2019, 10:18 PM)
I called alliance bank to cancel my card which I held for 16 years due to sst. They then call back & offer to give rebate ON CONDITION that I use the cards 3 times, any amount, which I refused. The card's AF waived automatically if spent more than 5k a year. Since I have JOP, LFC, 3 PBB card, 2 cards Amex etc now, I think spending 5k year on that card is no longer an easy task...

Same thing with CIMB but CIMB offered to give rebate unconditionally. They told me sst will be charged in April & my rebate would be credited automatically after 90 days. Since they are so sincere, I accepted. FYI, I only used that card not more than twice this year, slightly more than RM50 only at secret recipe to get the free slice of cake...

Ambank priority banking WMC too offered for rebate but I refused before they told me whether there is any condition imposed.

So, you are right. If we need the card more than they need us, paying the sst is not a problem.
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so good, you got the card but still want to cancel. I got a friend trying to apply for Alliance bank card, keep getting reject. She got all other bank cards already, I think she is holding more than 15 cards at the moment, only this bank keep rejecting.

Then she goes and finds out in the branch. That staff told her that her application is rejected due to she is holding more than 4 credit cards.

Then she triggers them by saying pledging FD for the credit card. They told her that she needs to pledge RM6k for that card. LOL LMFAO. RM6k credit also so hard to approve? What a stupid bank. Hahahahaha.

Many years ago she did cancel an Alliance bank card. I think now the bank doesn't want to approve the card and give lame excuses. LOL.

This post has been edited by skty: Dec 25 2019, 11:19 PM
skty
post Dec 30 2019, 05:34 PM

There is only one thing I know. That is I know nothing.
*******
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From: Klang/Shah Alam


autobilling insurance seems is not a good choice.

the insurance will mark up at least 6% of the premium you need to pay every month compare to you pay full for one year.
skty
post Dec 30 2019, 05:47 PM

There is only one thing I know. That is I know nothing.
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From: Klang/Shah Alam


QUOTE(fruitie @ Dec 30 2019, 05:40 PM)
Not applicable to all insurance. Mine is the same payment, monthly or yearly. I wanted to pay one year once but my agent told me is the same total amount even I pay monthly, I also confirmed with GE and he is right.
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both GE insurance got >6% on the premium if i want to convert to monthly auto billing.
skty
post Dec 30 2019, 11:59 PM

There is only one thing I know. That is I know nothing.
*******
Senior Member
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From: Klang/Shah Alam


QUOTE(saitong09 @ Dec 30 2019, 09:35 PM)
Mine GE monthly vs yearly less than 2%
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my family two insurance >6% if monthly vs yearly. sad doh.gif
skty
post Jan 1 2020, 12:33 PM

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QUOTE(ckweng @ Jan 1 2020, 09:27 AM)
First attempt and struck RM50! Very happy because this is the highest amount that i've won so farย  biggrin.gif
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QUOTE(sysy @ Jan 1 2020, 10:28 AM)
After saw ur post i go try. Get rm50 also. My big amt as well.

user posted image
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after I see both of your posts, I go and try and I struck RM100. But too bad I already get RM5x2 earlier today.

LOL just kidding. tongue.gif

congratz btw.

This post has been edited by skty: Jan 1 2020, 12:33 PM
skty
post Jan 3 2020, 12:02 AM

There is only one thing I know. That is I know nothing.
*******
Senior Member
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From: Klang/Shah Alam


RM0.00 StanChart: Vroom! Your txn is eligible for Cashback Drift game. Click http://scmy01.com/AJMbhS to win up to RM100 cashback. Happy drifting!
skty
post Jan 3 2020, 10:18 PM

There is only one thing I know. That is I know nothing.
*******
Senior Member
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From: Klang/Shah Alam


QUOTE(saitong09 @ Jan 3 2020, 10:14 AM)
Wanna congrad you, thought you dapat rm100 laugh.gif
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hahahaha you so bad. bruce.gif mega_shok.gif
skty
post Jan 5 2020, 12:12 AM

There is only one thing I know. That is I know nothing.
*******
Senior Member
4,508 posts

Joined: Aug 2005
From: Klang/Shah Alam


RM0.00 StanChart: Vroom! Your txn is eligible for Cashback Drift game. Click http://scmy01.com/0BVou2 to win up to RM100 cashback. Happy drifting!
skty
post Jan 5 2020, 12:41 AM

There is only one thing I know. That is I know nothing.
*******
Senior Member
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From: Klang/Shah Alam


QUOTE(saitong09 @ Jan 5 2020, 12:23 AM)
Good, got rm5. These 2 days my spin all 0. Give up
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hahaha few days ago get alphabet but RM0.

now get number but RM5.
skty
post Jan 5 2020, 12:59 AM

There is only one thing I know. That is I know nothing.
*******
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From: Klang/Shah Alam


QUOTE(lhsu @ Jan 5 2020, 12:52 AM)
This month is really a difficult month for me. Today (5+10) /2500, my worst record so far. Yesterday 1000, day before yesterday 1700.

It's only the 5th day and 70% of my BP quota gone... ๐Ÿ˜“

Nov, average 4x100. Dec, average 6x100. This month... ๐Ÿ˜”
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WOW. ouch!
skty
post Jan 5 2020, 05:21 PM

There is only one thing I know. That is I know nothing.
*******
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QUOTE(lhsu @ Jan 5 2020, 04:48 PM)
Casino is different story. The chances of winning is entirely based on luck. Drift game's chances of winning is assigned.
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there is no business in this world that operate and sustain long time based on luck.
skty
post Jan 11 2020, 01:13 PM

There is only one thing I know. That is I know nothing.
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5+5/300 today
skty
post Feb 3 2020, 02:22 AM

There is only one thing I know. That is I know nothing.
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QUOTE(cucikaki @ Feb 3 2020, 02:08 AM)
If u drift before 6pm, alphabet mostly means win something.

But if u drift at night, alphabet means no prize also (or with prize)

The sequence starts 01-09 then 0A-0Z then 0a-0z for non winning link.
Then it will continue to 1XXXX, 2XXXX till 9XXXX. After no 9 sequence finish, it will start back with AXXXXX and so on...

Most of the time u will get prize with link starting with alphabet. But there are times u will get prize with link starting with number, for example that time the non winning sequence is 1BXXXX, it will continuously generate 1B then 1C, however if u suddenly get link that starts with 5 during โ€˜1โ€™ sequence, then that one is the winning link.

Yeah no time to favour the winning chance. Doing it during busy time, 12-1am or 8am-11am, reduce the chance u fulfilling the non-winning entries sequence.

For example,

0, 0, 0, 0, 5, 0, 0, 0, 0, 15, 0, 0, 0, 0, 5, 0, 0, 0, 0, 10.

Doing at busy time, reduces the chance of you being the one pushing the 0 0 0 sequence till the winning entries sequence.

These first 2 days i experiment with the game at 3.30am where i believe most people asleep and found that it takes 4 0 sequence to get another winning prize. So i believe the interval is 4 0 then 1 winning. - not conclusive as first day, the interval seems to be 3, but 2nd day, the interval is 4.

Then one would argue, i top up at 9.10am an get a winning link and try again at 9.11am also get a winning link, well itโ€™s because perhaps for 3/4 people took the โ€˜0โ€™ entries in between, hence u should consider yourself lucky.

10,15,20,50 and 100 is widely spread, compared to 5.

I also believe RM100 sequence is around 1A-1z and maybe the 2nd RM100 is between 3A-3z then the 3rd is between 5A-5z(but no 5 has no rm5 left hence no one has the audacity to spam their bp/boost after the link has reach no. 5)

Just to recap, everyday there will only be 1,235 prizes to giveaway, and if 1 users take 2 prizes, then left with 617 actual users fighting for the prizes.

1,235 is spread with winning chances of on the every 4th, then it takes 4,940 RM100 spending in a day to deplete the prize pool. As per my observation, one link, for example last night 1N able to take 9 of my topup. So one alphabet might able to take lets say up to 15 sequence a day before moving to a new one.

So letโ€™s list out all the non winning link starts with

00-09 - 10 seq
0A-0Z - 26 seq
0a-0z - 26 seq
10-19 - 10 seq
1A-1Z - 26 Seq
1a-1z - 26 Seq
20-29 - 10 Seq
2A-2Z - 26 Seq
2a-2z - 26 Seq
30-39 - 10 seq
3A-3Z - 26 seq
3a-3z - 26 seq

Total seq is 248 times by link generated per seq is 15. Hence u get 3,720 (non winning sequence) + 1235 winning sequence = 4,955 entries required to fulfill the above 4,940 RM100 spending.

Letโ€™s try to deduce this even further, anyone ever get any prize, after the sequence already starts with 4xxxx? Except for rm20/50 and rm100. Coz i believe this 3 prizes might be hidden somewhere in between seq 4-9 also.
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never really got the time to do data analysis based on my past records so I don't think I can contribute further.

after reading through, I don't understand the following:

1) As per my observation, one link, for example last night 1N able to take 9 of my topup. So one alphabet might able to take lets say up to 15 sequence a day before moving to a new one.

2) Total seq is 248 times by link generated per seq is 15.


Don't mind to clarify further?

This post has been edited by skty: Feb 3 2020, 02:23 AM

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