Earn unlimited cash back up to 1.5% on your overseas spend and 1% on local spend

This post has been edited by cybpsych: Jun 6 2023, 05:38 PM

then you should be more clear mah

dont bother with FPX/jompay and other govt/charity stuffs.. .. most banks are excluding them too

afaik, it doesnt matter actually

the conditional temporary increase of CL is more of goodwill basis in case of genuine need of use (eg emergency, travel, hospitalization, etc)

OCBC: Revised list of transactions excluded for cashback, Travel$ and Voyage Miles calculation as well as Auto-IPP (effective 20th July 2023)

https://www.ocbc.com.my/iwov-resources/my/o...cbc-cc-tncs.pdf

xxxxxxGet up to RM1,200 Cash Back with your New PB Visa Commercial / Business Card!xxx [ PBB | T&Cs ]

always call to request 'rebate'
for all bank
whether they grant or not, is another matter.
at least you asked for it.

don't use 'waiver' word though. banks cannot waive tax

try use some other keywords like loyalty rebates, goodwill rebates, etc

any payment/transactions

put more criteria le. better in terms of what aspect?

"better" is a very vague and subjective term, and it differs from person to person as each individual has different usage and expectations from the card.

pls do the honour to be the new TS

last post of OCBC CC here

aiyo, no need quote the whole post #1 la ... imagine ppl reading this on mobile

it's a general Q&A topic, just ask away

wise topic https://forum.lowyat.net/topic/4953197

be more specific. blanket general statement only confuses ppl here ya

which bank(s) did you encounter this?

fyi. for maybaank card, m2u doesn't overpay. but you can overpay from external bank transfer.

no harm doing. good to inform advance. just in case la

u gotta plan when to buy these, how long to get new cards, etc

1) mostly from big chain shops like Harvey norman or senheng? or each item diff shop? online stores?

2) does the shop accept amex? can try MBB amex gold Cashback with no cap.

3) if majority shops cannot cover from cards, for me lah, I prefer do flexipay/balance transfer lumpsum.

sometimes for me, simplest approach is more practical and easier to manage later.

of course I try to maximize my current cards first, without applying new ones. remaining do lumpsum.

just my 2cents

This post has been edited by cybpsych: Oct 3 2023, 06:08 PM

https://v.icbc.com.cn/userfiles/resources/i...ackcampaign.pdf

no point doing

instalment amt is precalculated, and only "released" back to card each month for billing/statement.

the remaining still reserved by the system.

just pay monthly statements amount will do.

no need to think about the instalments. treat it as additional spend.

not worth for ANY amount withdrawn from cc

read example explanation here https://www.cimb.com.my/en/personal/day-to-...sh-advance.html

aside from fees and charges, it's how fast you settled it. interest will snowball fast and furious.

no, it's already predefined based on approval date

contact hlb to change the statement date after activation

iinm, there's no statement for 10th. last i checked, nearest available dates for you could be 7th or 11th.

errrr common sense?

af need to be charged first before you can request for af waiver lor

if not charged yet, on what basis to waive?

also, you already agreed and acknowledged there will be af associated to the card.

waiver will be subject to mgmt discretion to grant or not.