Same here. Been checking few days.
No cashback (Liverpool & JOP) for Feb yet.

Got reversal for service tax after called their CS.
Below is the entry.

19/03/2019 63-CEMS LOYALTY CASH BACK MYR 25.00 CR

Sometimes I dare not take risk cuz I feel even payment few RM of interest I also don't want.

Always set reminder 3 days payment before due date (some due date fall on weekend + Public holiday), I try to avoid this argument with CS on who right or wrong. I not only having SCB card but more cards to maintain each different due date

Now making sense...provide he got 1 statement with 2 months credited cashback.
What is the statement date of your credit card? @#Victor

It can be overlook easily.

RM1500 for 12 months = rm18k only.
You need to 2k extra spending to achieve 20k.

Indeed a bad news. Especially online cash rebate cap at RM30 (equivalent to RM200 spending only). Bye to e-Wallet top-up and any online related payment (etc lazada, shopee, ipay88 and etc).

Now my JOP card need to take out to retail shop to swipe more! No more hiding in my wallet.

Recv call as well, saying to get cash offer installment which it will increase my existing credit limit.

Getting RM5 x 2 times daily already good enough.

I did all my trnx between 12am to 1am before I go to sleep. Not hard, within 5 times can get 2 cashback hits!

Congrats....look like more forumers here reporting their rm100.

I just reg today. It went through successfully.

Recv their SMS acknowlegment:

RM0.00 : StanChart: Thank you for your registration. Every RM100 local spend=1 entry, overseas spend=10 entries til 15/3/20 to stand a chance to win! T&Cs apply

Same case as mine. Back in very early year (around 2010), paid yearly entitled 5% disc. But after few years I felt burden pay yearly. I found out no differences yearly and monthly. So I decided to change to monthly. And around year 2016 where SCB cashback card introduced to market, I start focusing paying monthly from LFC card from then onwards.

Harder to win recently. If free, just spin 5 times per day.

My monthly statement now is so long, 14 pages! Thanks for these micro-transactions.

Thanks for your reminder.
I'm not willing to pay for AF even I can earn back with cashback.

My LFC card due is month of JUL.
Guess for those earlier can stop playing drift using this card if plan to cancel it. Else all $$$ earned from drift will be gone.


This World Miles rewards is unlimited. Only useful with this drift game spending.

Spent RM3 to 1WM, convert 68WM for RM1
Eg. You need to spend RM2040 to get 680WM for RM10

Monitor this year annual fees. Mine is stated Jul. So I just need to check AF appear via online banking. I'm looking at alternative cashback card this year.

Redeemed.
Also found out WorldMiles point quite a lot, so I redeem into Cash as well.

Started 12.10am today since I not yet sleep...within 3 tries, got 2x (RM5). Easier than normal working hour. Then close shop!

You're right that SCB is very strict on interest calculation on every transaction made on current month once you've a late payment past due date (min), not fully settled. I was in your situation as well, where I'm actually paid all for current mth trnx to avoid unnecessary interest charges which beyond the amount of my earned cashback.

Lesson learnt, do a reminder to payment 3 days b4 payment due (min payment) next time.
Fully settle is better than having any outstanding to carry forward.. 5% CB vs. 1.25% monthly interest (assume 15% annual interest). Interest amount may be greater than your CB.

Yes. It should appear by statement date (eg. 17-Jan for your case). If no interest means, you're safe.

There was ppl answer before me.

Bank system behave exactly was it was programmed, interest past due date will calculate by statement date. By hours or not by hours late, this really depends on the bank who run the EOD processing at what time. Some bank cut-off EOD for credit card is as early as 9pm or so call switch into diff mode. So, you probably won't see the 'live' transaction done via ur credit card beyond 9pm to next day, probably before 5am (depends on their job processing end-time).

For me, it's arguable to waive the late charges and subsequent interest charge if bank is value you as good customer. So to be safe, I can suggest you can call CS and ensure your anxiety.

If you use WorldMiles card, you still earn RM10 cashback reward (Miles to Cash) for every spent of RM2040.

Every RM3 spent, earn 1 WM point.
Every 68WM can conver to RM1

So, RM2040 spent is equal to RM10.

This post has been edited by Dexter: Jan 23 2020, 09:52 AM