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Credit Cards Public Bank Credit Cards, PB Visa Sig 6% & Quantum 5% Cash Back

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LostAndFound
post Apr 13 2017, 05:16 PM

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Even week 3 also not reported yet.
LostAndFound
post Apr 15 2017, 07:21 AM

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Received my Week 3 (20th March onwards) cashback of RM50. 4x Shopee (TNB) purchase, 4x Unifi (Payonline). All on Monday 20th March.
LostAndFound
post Apr 26 2017, 04:22 PM

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Week 4 I only got RM20!

Made 9 transactions on 27th March (Monday). 4 of them were ~7 am on Shopee, so suspect those were the problematic ones. Will check with my supp when transaction was captured on system.
LostAndFound
post May 8 2017, 04:11 PM

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If my supp card bill is there any way to transfer balance to my main card (or the other way around)? Anyone done that way before?

Want to do a BT to pay for my supp card balance, but looks like different name can't.
LostAndFound
post May 15 2017, 02:12 PM

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QUOTE(red_scorpion @ May 15 2017, 01:49 PM)
shit..i didnt read carefully the tnc..just got my quantum card thought to win this cash back..
this time shit liao...how about tm/unifi and mobile(digi, celcom, maxis)? are they consider under utilities category? utilities should be only tnb and syabas, right?
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Use shopee to pay TNB is a workaround. Will be considered for the promo, already received multiple times.

Just be careful not to do transaction in the morning as shopee transactions can timetravel back to sunday one.
LostAndFound
post May 19 2017, 02:42 PM

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QUOTE(chonghe @ May 19 2017, 05:53 AM)
So I look through many comments of Shopee pay bill etc.

So I go website have a look and found that umobile prepaid RM30 can be selling at RM28, I mean seriously? So I can get RM2 off + cash back while paying with credit card?

So all these while I just thought of using Lazada, so all these while I am so stupid?

Definitely need to learn more from all sifu here..
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QUOTE(ClarenceT @ May 19 2017, 06:03 AM)
You can use CIMB card on Monday, Maybank card on Wednesday, at Lazada App to get 10% off on umobile topup (excl RM30/50).
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QUOTE(chonghe @ May 19 2017, 07:39 AM)
The problem is every time I top up RM30  bangwall.gif
maybe I can top up RM10x3?
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Most efficient way is to reload RM100 at one go using shopback+lazada. Using the standard RM100-RM15 here's your savings:-

RM15 (from voucher)
6.5% * RM85 (from shopback if you use lazada dupe)
6% * RM85 (from PBB VS, 5% if Quantum)
X% from PBB current 8x promo (hard to count that due to number of swipes, it's either RM4 or RM6.25 per swipe, you count yourself.
LostAndFound
post May 22 2017, 09:39 AM

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QUOTE(chonghe @ May 19 2017, 08:38 PM)
legendary!

Can I know RM15 voucher is from?? I thought mobile reload cannot use any voucher?
Shopback lazada for existing customer isn't 3.5%?
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It's the 'we miss you' voucher that gets sent to your email every once in a while (or just check lalalaxx.com, normally will have a few). One use per account. Nowadays mobile reload can use voucher di.

And it's 3.5% for existing, that's why I mention dupe.
LostAndFound
post May 26 2017, 09:24 AM

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Never makes sense to pledge FD. You calculate how much interest you 'lose' relative to promo FD prices, quite a bit more than what you 'gain' with the 6% (and remember that to gain you have to spend money).

Get another similar benefits card. Probably split up among a few different cards.
LostAndFound
post May 31 2017, 11:25 AM

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QUOTE(SzeMeng76 @ May 31 2017, 10:11 AM)
Yes me too for my quantum.
Can't pay to own card.
But when I go Pb card payment, pay to other cards
And key in my credit card number,
Then can. I'm using this way to pay for my latest payment.
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I also experience this for my Visa Signature. Never bothered to figure out why, since can pay using the 'other cards' method, I save it as favourites.
LostAndFound
post Jun 1 2017, 09:25 AM

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4103 01 JUN 01 JUN (DGP) SWIPE MORE FOR CASH-WK 4 30.00 CR
4103 01 JUN 01 JUN (DGP) SWIPE MORE FOR CASH-WK 5 30.00 CR

Yay, I complained that my shopee Monday morning transactions got registered as Sunday instead, sent them my shopee receipts to show Monday transaction, finally they credited the missing promo cashback!
LostAndFound
post Jun 10 2017, 06:31 AM

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QUOTE(BeastX @ Jun 9 2017, 07:25 PM)
user posted image[attachmentid=8887459]
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This promo sounds really good. Considering TNB bills on Payonline should be considered government, should be possible to get 35.2% cashback (88 ringgit from 250 ringgit spend). Whereas if using shopee have to be 8x and effective cashback "only" 18.5%.
LostAndFound
post Jun 10 2017, 12:33 PM

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QUOTE(BeastX @ Jun 10 2017, 07:17 AM)
Very much limited options.... TNB not included...

Applicable if your a business paying GST quarterly....<<I suppose...
9222: Fines Government entities that administer and process local, state and federal fines and penalties, motor vehicles violations and
community or property assessed fines.

9311: Tax Payments
Local, state and federal entities that engage in financial
administration and taxation, including the collect of taxes and
penalties and the custody and disbursement of funds. Such
merchants include property tax assessors’ offices, custom
bureaus and state tax commissions.

9399: Government Services
Merchants that provide general support service to the
government such as personnel, auditing, procurement and
building management services, and are not described by
another, more specific MCC.

9402: Postal Services
Government postal services, including local post office
branches. Service provided includes accepting and processing
package and mail for delivery, selling postage stamps, and
express mailing services.
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Right... I paid TNB once rm50 to check the MCC. Will update if it's correct or not.
LostAndFound
post Jun 11 2017, 03:51 AM

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QUOTE(LostAndFound @ Jun 10 2017, 12:33 PM)
Right... I paid TNB once rm50 to check the MCC. Will update if it's correct or not.
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QUOTE(tonytyk @ Jun 10 2017, 07:37 PM)
Is TNB Bills considered government payment?
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Confirm not, MCC 5418. Oh well.... wonder what sort of payment would get government then.
LostAndFound
post Jun 15 2017, 04:06 PM

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QUOTE(imnotabot @ Jun 15 2017, 03:52 PM)
Oh I see. So I just have to manually track the transactions myself then. Will I still get the statement emailed to me at least?
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Get a separate Pbe for that card.
LostAndFound
post Jun 16 2017, 12:24 PM

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QUOTE(imnotabot @ Jun 16 2017, 06:53 AM)
I never used Shopee before, so I'm just wondering: if I want to pay my Unifi bill with RM50x3 transactions, then I just purchase RM50x3 right? The seller will make 3 transactions of RM50 instead of one transaction of RM150?
Thanks, will do just that.
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You dont' purchase RM50x3. You purchase RM50 one time, then pay, then purchase RM50 again another time, then pay.

If you just add 3x of RM50 to your cart you're doing one swipe of RM150...
LostAndFound
post Jun 19 2017, 04:34 AM

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QUOTE(cybpsych @ Jun 18 2017, 09:33 AM)
this issue only happen when you're new to bank for VS Principal.

dont think your supp card will get affected. its statement will be generated together with principal's.
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This is not true. My additional supp cards added later 'missed' one statement date and combined together into one statement with more than a month's worth of transactions.

The 'good' thing is that based on advise from this thread I got my supps to complain to PB and the missing CB from that initial part-month was credited back later. Just mafan only la.
LostAndFound
post Jun 19 2017, 03:39 PM

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QUOTE(imnotabot @ Jun 19 2017, 02:49 PM)
UMobile via u.com.my qualifies for the 8x promo right? I just did 4x unifi via shopee + 4x umobile via u.com.my this morning at 6.30am.
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You will need to chase public bank for your shopee transactions. It won't get registered as today, will register as yesterday transaction. I've had this a few times already, can get the cashback but have to call and complain.
LostAndFound
post Jun 30 2017, 09:35 AM

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QUOTE(OKLY @ Jun 30 2017, 09:30 AM)
Credit scoring will look better as the card holder shows responsibility with it. If I get higher credit limit while still maintaining my spending/usage on my card, my credit utilization is lower compared to before.
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For me it's the opposite, higher credit limit blocks me from getting new cards. My salary amount doesn't increase as fast as new cards eat it up.

If you have 5 or 6 cards and total credit limit exceeds your annual salary then I think it's quite impossible to apply for more (even if utilization is only something like 10% of your credit limit). I had to cancel a card to apply a new one. Since then I've intentionally lowered limits on some of my 'temporary' credit cards (those which I apply just to get ringgitplus reward etc.) to avoid this problem
LostAndFound
post Jul 1 2017, 03:16 PM

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QUOTE(drbone @ Jul 1 2017, 01:36 PM)
I did tell them that Shopee payments are done online however the CS said that for Shopee , in their system , is no more considered as online transactions.
Wasted many transactions for May.
Maybe someone else can call CS and ask why their Shopee transactions were not awarded CB and see what they say.
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Shoot them and demand that cashback. Others here have gotten it. This is clear cut case as purchase obviously done through online.
LostAndFound
post Jul 5 2017, 02:27 AM

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QUOTE(iamshf @ Jul 4 2017, 04:52 PM)
I got 20 only with 4x shoppee + 4x maxispay
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What's the date/time of your transactions (especially shopee). Any transactions early (before noon?) on Monday on Shopee appears as Sunday transaction due to shopee somehow using some weird time zone.

This can be settled, email CS and complain, send them the purchase email from shopee, they will credit back to you. Happened a few times to me/supp in the early stages of this promo.

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