read post #3

statement date, yes can change

Coffee Bean and Tea Leaf Tap & Go with Mastercard Contactless [ PBB | T&Cs ]
15 October 2017 - 15 April 2018 o




just tried this at CBTL @ IOI City Mall. using Quantum Mastercard on citibank contactless terminal. RM10 for any ice blended. chose the most expensive on the menu, Chocolate Mousse Ice Blended with Coffee @ RM16.80.

yes, i know that

if u managed to get the quantum cards, you'll get both benefits from Visa and Mastercard.

furthermore, Quantum MC is giving cb for dining too. so, RM10 at CBTL also get cashback from Quantum MC.

not susah la

quantum - MasterCard online dining - MOD
quantum - visa entertainment departmental - VED or DEV
visa signature - Grocery online dining - GOD

banker only help u apply, they are not the actual approvers.

banks rarely disclose the rejection reason(s). each bank assesses differently. each bank operate separately wat. sukahati they want to blindly approve you but high risk exposure, or protect/reduce risk exposure by rejecting friendzone you.

if each bank disclose each rejection, ppl will compare notes amongst all banks. then come all the finger pointing, unfair treatment, inconsistent assessment criteria, etc

if you mentioned already asked multiple times, then probably you can do a [SEARCH], right?

anyways, do you know what is your statement date? i.e. bill date?

a cycle = a "month" of card usage period. think of it as your postpaid bill. you get bill on certain date, every month, right? any charges/usages within the cycle, will be billed to you on bill date.

if your statement is on 20th, then the statement month/cycle between 21st until the following 20th. then 20th you get statement ("cutoff").

e.g. 20 Nov was your statement date, which was for the previous cycle of 21 Oct - 20 Nov. any transactions posted in this cycle will be counted for cashback, and credited on exact statement date of 20 Nov. meaning, you get cb immediately on statement date.

next cycle, 21 Nov - 20 Dec. then cb will be on your statement date of 20 Dec.
next cycle, 21 Dec - 20 Jan. cb will be on your statement date of 20 Jan.
and so on, and on, and on.

yes different but good also, you immediately get cb on your statement date instead of waiting 1st of the month.

for mbb's, some ppl's statement date is end of the month, some early of the month, so not all get the cb "on time" when they get their statement.

I don't understand why need to ask this.

all cc has the same behavior wat, you have many cc too, why would PBB cc be different?

also. there is an unwritten grace period of 2 days after payment due date (PDD) of which is still safe. haven't encountered which cc/bank has 1 day grace period though, usually it'd 2 days.

I've tried this with PBB mbb cimb hlb UOB, most times I did it on purpose.

best practice is payment on/before PDD.

example merchant that u swiped?

my last parkson at mytown was 1 day posting after swipe.

should be safe around 1-3 days lor.

Big Health Fair at Summit USJ [ PBB | T&Cs ]
24 November - 26 November 2017

cimb cr is the odd one, they mostly fixed to 28th, on few reasons they allow ppl to change the date, however almost all are on 28th.

you SHOULD read the letter that comes with the cc there are few info printed. else, just check in PBe also can.

yes, correct on both

statement = consolidated
card/account = individual, so pay separately

Added - October 2017 winner list

PB Privileges @ Shopee Birthday [ PBB | T&Cs ]
1 to 31 December 2017

never does for autopay.

online is where you initiate the payment.

should've throughly read the T&C instead.

technically you're in week 17, but the yesterday's swipes most likely not eligible as it tracks FCFS transactions for the 30k/week cb pool.