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Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards
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ckweng
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Feb 28 2017, 12:31 AM
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Hi all, Anybody had any experience with late payment? My due date was 27th and I performed an IBG on the same day but after work hours. If my payment only reaches SCB on 28th, will the bank take it as late payment? If yes, is there a good chance to appeal for a reversal of the late payment? Also, will this be flagged under my CCRIS? Thanks in advance!
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ckweng
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Feb 28 2017, 01:23 AM
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QUOTE(fruitie @ Feb 28 2017, 01:15 AM) One or two days will have no issue one. If really touch wood and kena, just call to waive, for first timers banks are usually lenient. Thanks for your reply and hopefully no issues there. This is the 1st time that I missed due date after 5+ yrs of using CC. I suppose no issue with CCRIS too because it depends on the respective bank's recognition of past due followed by the monthly submission of records to CCRIS. As long as my payment is received in the system before SCB submits CCRIS report, then I'm safe. Now only left with late payment + finance charges for me to worry...
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ckweng
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Mar 8 2017, 06:53 PM
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QUOTE(ckweng @ Feb 28 2017, 12:31 AM) Hi all, Anybody had any experience with late payment? My due date was 27th and I performed an IBG on the same day but after work hours. If my payment only reaches SCB on 28th, will the bank take it as late payment? If yes, is there a good chance to appeal for a reversal of the late payment? Also, will this be flagged under my CCRIS? Thanks in advance! QUOTE(fruitie @ Feb 28 2017, 01:15 AM) One or two days will have no issue one. If really touch wood and kena, just call to waive, for first timers banks are usually lenient. I've just received my latest statement and checked that there's no late payment & finance charges....phew so relieved! Next time gotta be more diligent with keeping track of payment dates.
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ckweng
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Apr 27 2017, 09:48 AM
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Just to share with you guys on annual fee waiver: I've got a WMC which will incur annual fee in June. I called to cancel WMC 2 days ago and was offered to have the fee waived for another year (Price Solution called back). I had barely used the card in the past year and mainly used it for PPL. Looks like it's not too hard to get the AF waived for this card after all. Nonetheless, I have obtained a reference code from the agent on the AF waiver.
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ckweng
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Jun 21 2017, 06:10 PM
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Uber cashback for May has been credited into account, no SMS received yet.
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ckweng
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Jun 22 2017, 09:35 AM
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QUOTE(SzeMeng76 @ Jun 22 2017, 09:20 AM) 21/06/2017 23 ACTIVATION CASHBACK 0417 MYR 150.00 CR just got RM 150 cash back for my Apr approved card. But first I apply Justone Plat 1st, after receive, I only add on Gold cashback. But the cash back credited to Gold cash back not Justone Because gold cash back not frequently use it, but justone every month got RM 2k utilities/insurance. wondering can transfer the cash back? Lol Should be do-able. I've requested to transfer cashback across cards before. Try calling CS and see
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ckweng
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Jul 26 2017, 09:04 AM
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SC Cashback Gold MC's monthly rebate is available for redemption now!
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ckweng
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Aug 2 2017, 08:59 AM
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QUOTE(fruitie @ Aug 2 2017, 12:04 AM) After using CC for so many years, this is the first time I think I have missed a payment and being charged with late payment charges now.  RM 10. OMG. Due date was 27th July and I tried paying it just now at 11:59 instant transfer but it didn't work. Not sure if SCB doesn't accept instant banking from MBB or it is close to MBB's daily maintenance hour. I will do it the first thing tomorrow's morning. I'm not sure if there is a chance to appeal or not for the waiver... I have missed payment to SCB by 1 day before...also called to ask for waiver but asked to wait till statement comes out. In the end, I wasn't charged for late payment. On a more serious matter like CCRIS record, i've read that different banks submit their "flagged" report at different times of the month. They may not flag you on CCRIS if the payment is resolved early enough and before their monthly submission.
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ckweng
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Sep 26 2017, 02:31 PM
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QUOTE(MGM @ Sep 26 2017, 02:15 PM) There r a few in StandChart's jompay. Can search Jompay payee list here. I can see most insurance/takaful providers listed. If paying for insurance using Cashback Gold via Jompay gets CB, then this is a workaround then.
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ckweng
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Sep 26 2017, 06:33 PM
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QUOTE(fly126 @ Sep 26 2017, 05:32 PM) Jz Received from SCB, Anyone got this SMS...? I have received too...but the max limit is way smaller than yours
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ckweng
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Oct 13 2017, 10:08 AM
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Sep cashback for Cashback Gold Card is available for redemption now!
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ckweng
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Nov 2 2017, 11:32 PM
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QUOTE(coolguy99 @ Nov 2 2017, 07:21 PM) just wondering if its possible to get waiver for the worldmiles credit card if i did not meet the minimum spending of 100k per year? I called to cut, but CS gave me waiver for 1 year instead.
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ckweng
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Nov 22 2017, 04:37 PM
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QUOTE(roy_zu @ Nov 22 2017, 04:31 PM) Not sure if this have been discussed before. I notice for SCB CC, for online purchases, like UBER, i'm being charged additionally compare to the actual amount. Checked with contact center and been informed this is due to the merchant actually charging based on SG convertion rate. Anyone else facing the same issue? It should be the "Cross Border Charge" that SCB charges.
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ckweng
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Dec 13 2017, 01:26 PM
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QUOTE(SzeMeng76 @ Dec 13 2017, 01:21 PM) Justone Cash back had in. (not sure Gold cashback, stop using it already since I have MBB FCB VS, lol) Cashback Gold CB ready for redemption too! Thanks for the heads up
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ckweng
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Feb 6 2018, 02:04 PM
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QUOTE(fruitie @ Feb 6 2018, 01:48 PM) I applied for JustOne via RP and Price Solution staff called me to offer SCB Cash Back Gold. At first I rejected because I'm already a supplementary card holder for my sister's Cash Back Gold, she asked me to have one for myself and keep the supp as back up. I agreed. Then, asked me again if I also want the WorldMiles since I qualify for it, I said OK la, free PPLs and RM 80 ride from airport every month. So I got three cards eventually.  Quite hard sell from PS, but works in your favour since those cards are kinda useful
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ckweng
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May 4 2018, 11:34 AM
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QUOTE(Leroi2x @ May 4 2018, 07:59 AM) Any1 try use cash back gold to top up boost Got cash back? Yes, i've done that before and got cashback.
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ckweng
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May 8 2018, 02:44 PM
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QUOTE(stargate8 @ May 8 2018, 01:57 PM) no mention for cashback gold... but got mention for JustOne Gold Mastercard credit card upgrade. Effective 1 June 2018, existing Standard Chartered JustOne Gold Mastercard credit cardholders will be upgraded to Standard Chartered JustOne Platinum Mastercard credit card which offers more than RM1,000 cashback a year on retail spend.The new JustOne Platinum Mastercard credit card (and supplementary card(s) if any) will be mailed to cardholders by 31 July 2018. The new card will bear the same 16-digit number as the cardholder’s existing card. The JustOne Platinum Mastercard credit card upgrade will come with an annual fee of RM265 (inclusive of 6% GST) effective 1 June 2019, and the annual fee will be automatically waived with a minimum spend of RM20,000 per annum. With the upgrade to Platinum, the annual fee also increased with a min spend waiver condition. Unless there is a very high chance of success in requesting for annual waiver without meeting the min spend amount, then this is not really a good development.
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ckweng
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May 16 2018, 01:56 PM
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QUOTE(cute_boboi @ May 16 2018, 01:14 PM) FYI to all, cash back for SCB CB Platinum card this month is there.  Is yours Justone Platinum? My Cashback Gold haven't received April's cashback yet.
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ckweng
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May 17 2018, 09:16 AM
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Cashback gold CB for April is in and ready for redemption!
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ckweng
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May 22 2018, 02:31 PM
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QUOTE(boonhan @ May 22 2018, 02:08 PM) Scb gold cb upgraded to scb platinium cb. Nothing change, only name upgraded lol. Kinda funny. And there's no card replacement too. Initially I thought maybe we could get a new card with contactless feature, but unfortunately no.
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