Recently paid off my PBB credit cards and decided to cancel it (too many CC). However today I checked my statement and there's a reversal transaction named CARD SERVICE TAX REVERSAL CREDIT NOTE: of RM25.

Since I cancelled two cards I have RM50 CR balance on both cards. Is there any way that credit balance into my savings acc? Tried the fund transfer method but it failed.

I know RM50 may seem like a small amount to some of you guys but money is money :S

Got PBB savings but will it still work if the cards are already cancelled? I don't know why there's a tax reversal after I cancelled the card.

Seems like OCBC revised their OCBC CashFlo Mastercard CC, with lesser benefits, effective 21st April 2023.

Previously there's 0.5% cashback on all retail purchases and other IPP benefits.

Current Features

0% interest on Auto-IPP
❑ 3 months Auto-IPP for retail spending of
RM500 to RM1,000
❑ 6 months Auto-IPP for retail spending
above RM1,000
❑ 12 months Auto-IPP for Great Eastern
Life/ General Insurance with premium of RM2,200 and above

New Features
0% interest on Auto-IPP
❑ 3 months Auto-IPP for retail spending of
RM500 to RM1,000
❑ 6 months Auto-IPP for retail spending
above RM1,000


I've been holding on to this card since I have GE Insurance and can split my annual premiums into monthly payments with 0% interest. Do you guys have any other CC recommendations that is on par with the CashFlo in terms of IPP?


Attached File(s)
 Revision_Cashflo_Mastercard.pdf ( 201.5k ) Number of downloads: 7

General question - I just got approved for an Ambank credit card. I changed my mind and do not wish to activate it. Will the unactivated credit card expire after a certain period of time or do I need to call customer service to explicitly tell them to cancel the credit card?