nice, gotten rm100 for LFC + rm85 for JOP

2 popular cards here

Liverpool FC
Justone Platinum

RM100 is 2x rebate for new LFC cardholders?

Read here: https://av.sc.com/my/content/docs/liverpool...le-cashback.pdf

Under the new policy, is it still worth it if the annual fee cannot waive? I can switch my autobill insurance to justone card but scare later if annual fee cannot be waived then I need to cancel it.

Justone platinum

I cancelled my card, as I been late payment with the amount of RM 115.45.
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!

normally they have grace period

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.

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.

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.

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?

Guys, today is the day.

Start pumping rm200 petrol and rm2300 BP to get full rm60 cb

Just saw this in their TnC

Principal Card : RM250 (1st year Annual Fee Waiver )
(Effective 1 August 2018, subsequent years will be waived with minimum spend of  RM20,000 per year4)Supplementary Card : Free

https://www.sc.com/my/credit-cards/justone-...num-mastercard/

havent met any petrol station that accepts CC for tng reload yet... where u reload it ya?

You can refer this thread
I usually maximize the spending of RM2.5k per month so no problem hitting RM20k annually, as the benefit of the card has been reduced if you are not aiming for RM60 per month CB, then might as well cut the card because minus AF and SST the effective CB will be even lesser.

LDP Petron from Seri Kembangan Heading to Puchong - nearby the toll

LFC has its own cash back; JOP has its own cash back.
If you got both, you'll get up to RM 110 (RM 50 + 60)

LFC has min spending requirement to meet which is RM 1500

highest RM1500 get RM50 CB

https://www.sc.com/my/credit-cards/liverpool-fc-cashback/

i think to prevent future question about allocation of SCJOP, please kindly refer below:

Monthly Petrol/Auto Billing - X

Monthly Online - Y

CB - Z

I have 2 SC cards, Liverpool and JustOne. I accidentally mixed up the amount and transferred to wrong accounts between this two.

So my JustOne has excess payment and Liverpool has not enough payment.

I spoke to CS and they said they will help to transfer but it will take 3 days. My due date just passed and she said I will be charged the late payment fees/interest.

Anyone has successfully appealed for such cases before? Technically I paid in full for my total combined statement, just to the wrong accounts.

Great but I'm travelling now, so I can't be picking up calls due to roaming charges. I think I will do it few days before I go back home. So, they took a week to call you back?

But yours had AF, mine still no AF charged..

Hi, I have done instant transfer to clear my statement amount from Maybank entering my Stan chart credit card number. But it has been few days already that the amount is not showing in my standard chartered account. Is this normal?

no issues with transactions from early/mid/late of the month. all july transactions eligible for cb.

one of my petrol was even transacted @ 30 July, posted 1 August.

2300 bigpay + 200 petrol (kiosk, counter, tng reload) = 30 + 30 cb

I only got RM32, 800 for insurance auto debit and 1700 for BP. Doesnt make sense to me.

share some story about waiver...

July i get statement of my SST but i didnt get annual fees..
so i called the bank and ask, if i get annual fees waiver...

my option is, if i do not get waiver i will not continue i just cut both card..
so bank told me its not posted ask me wait august statement...
here the catch , if i wait august statement, i will kena interest for rm25 x 2 card for sst late payment...
If i pay RM50 then i get annual fees, i cut the card i rugi rm50..

So the bank told me SST will not have interest, if got interest its glitch i can ask for waiver...

so now august statement out, i kena SST + interest late charges + annual fees...
so i called again ask waiver, they told me annual fees both card can waive... then tell me SST cant waive.. i said ok, how about interest late charges... they said cant waive because i late payment didnt pay SST.. this is financial late charges..
Then some argument happen like the CS dont know what i trying to tell.

I told the CS my situation again, and i said previous officer told me SST no interest charges, now you told me SST i didnt pay so i kena pay interest.. is totally 2 diff story, i ask them refer back previous my call record and if got voice record clip please open.. i already emphasize said SST interest can be waived or not? the officer said can...

So she said will check with the officer and tomorrow they will give me a call... anyone have same prob as me?

another spin campaign...



Win a Ford Mustang Campaign [ SCB | T&Cs ]
22 November 2019 - 29 February 2020

Year End Spend Campaign 2019/20 Terms and Conditions Excerpt

1. The Standard Chartered Win a Ford Mustang Campaign (“Campaign”) is open to credit cardholders of any credit card (other than corporate cards) issued by Standard Chartered Bank Malaysia Berhad (“SCBMB Cards”).
2. The Campaign commences on 22 November 2019 and ends on 29 February 2020, inclusive of both dates (“Campaign Period”).
3. The Campaign comprises of Daily Cashback Prize and Grand Prize, one (1) unit of Ford Mustang.
4. To participate in the Campaign, Eligible Cardholders must successfully register their SCBMB Cards within the Campaign Period and spend a minimum of RM100 (“Minimum Spend Criteria”) in a single transaction (either local or overseas spend) using their SCBMB Cards within the Campaign Period (“Eligible Transaction”).
5. Each Eligible Cardholder will only receive one (1) link in one (1) SMS with every Eligible Transaction made. Each link will only be valid from 00:00 22 November 2019 to 23:59 29 February 2020, whereby Eligible Cardholder can only access the link during the stipulated period as above.
6. Eligible Cardholders are required to click on the link in the SMS to play a game which will then confirm if the Eligible Transaction done is entitled for any Daily Cashback Prize. To play the game, internet connectivity is required.
7. Eligible Transaction charged to the supplementary cardholders will be counted as an Eligible Transaction made by the principal cardholder for the purposes of this Campaign and SMS will only be sent to principal cardholder to play the game.
8. The Daily Cashback Prize is capped at 123,500 winners throughout the Campaign Period.
9. To qualify for Grand Prize, every RM100 Eligible Transaction done will earn the Eligible Cardholders one (1) entry to be in the running to win the Grand Prize at the end of the Campaign Period.
10. One (1) winner will be selected as the winner of the Grand Prize.
11. The above is merely an excerpt of the Terms and Conditions governing the Standard Chartered Win a Ford Mustang Campaign. Please click here for full Terms and Conditions.

**updated copy from SCB website**

So can BigPay still qualify as spend for this campaign?

it seems month end easier to drift?
did 2*RM100 last night before sleep, only check prize this morning, already got 2xRM5 

so every RM100 spend qualify for drift and this or only drift?

ok found it:
In the event where the Bank organises multiple Credit Card spend campaign during the same time, the
Eligible Cardholders can only win one (1) Grand Prize at one point of time for their multiple participations
in these Campaigns. For instance, Eligible Cardholder is selected as Grand Prize winner in Campaign
A, and should the same Eligible Cardholder be selected as the Grand Prize winner in Campaign B,
he/she will only be selected to win one (1) Grand Prize based on the date of fulfilment whichever is
earlier for either Campaign A or Campaign B based on the campaign that commences first.

Only Grand Prize is affected.
If got the Mini then cannot travel, if didn't get the Mini, still got chance to travel.
So every RM100 got one drift chance and 5x entry to this.

I am thinking to terminate my JustOne Platinum after using it for 1 year.

Because I heard there is no way to waive the annual fee started from 2nd year unless to spend over RM16K annually.

Furthermore, I don't use much of its credit card benefits except the GSC movie promo.

[attachmentid=10382367]

Santa being real good to me! 600/5+100

100 cashback link start with 7 this time!

FYI, i have just call SCB to apply the 12month 0% BT.
they don't need your bank statement, just tell them the bank, the card number and the amount u want to do BT and wait for 7 working days to approve.
Once approve they will send u the SMS.

remember to ensure u got enough CL to play the scb drift as well

u will see it in ur statement but have SC already distributed the prize?

Precedents:
Nov 2018 -> credited on 24-12-2018
Dec 2018 -> credited on 17-1-2019
Jan 2019 -> credited on 11-2-2019
Feb 2019 -> credited on 22-3-2019