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Credit Cards Public Bank Credit Cards V2, PB Visa Sig 6% & Quantum 5% Cash Back

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cybpsych
post Oct 4 2017, 12:48 PM

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QUOTE(HiT-AbLe @ Oct 4 2017, 11:57 AM)
I decided to pay unifi bill at mytm instead of payonline and I got this trx message TMONLINE(EC) KUALA LUMPUR MY, wonder it will be entitled for 10x swipe campaign or not.
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mytm still accessible? now should be in unifi.con.my jor

seems no change in the merchant ID, still safe as before
cybpsych
post Oct 4 2017, 01:27 PM

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QUOTE(HiT-AbLe @ Oct 4 2017, 01:14 PM)
Mytm and newer https://unifi.com.my/ are different systems, you can't use mytm login & password on unifi.com.my. Mytm is still accessible for some reason even though TM CS told me that TM is no longer updated Mytm anymore.

I don't understand why paying TM bill at different checkout systems will have different results for CB entitlement, I suppose TM bill is not categorized under utility, so it should be safe no matter where you pay it. Is it because the different systems will give different merchant ID and description?
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i know it's a 2 separate system. interestingly you can login to mytm, whereas i always get redirection back to unifi.com.my laugh.gif

anyhow, the cashback mechanic for cc usually dependent on 3 things:

1) MCC
2) Description
3) Channels

all these were setup when you create new merchant ID with the payment processor.

since TM launched new portal, unifi.com.my, either they created new merchant ID or maintain previous. based on the description TMONLINE(EC) KUALA LUMPUR MY with MCC 4814 (fax/telco services), they maintained it.

remember that merchant (e.g. TM) may create new merchant ID, especially when they are doing rebranding exercise now. who knows they itchy wanna display different name, like UNIFI ONLINE(EC) for example, or somehow think TM services are utilities in nature, then assign to MCC 4900.

also the MCC associated to it. if somehow wrong MCC was assigned, e.g. MCC 9399 (Govt Services laugh.gif ) or MCC 4900 (utilities), it could be excluded by PBB due to this reason as well.

this is why we always call CS to find out the MCC for any new merchant, location, etc etc

This post has been edited by cybpsych: Oct 4 2017, 01:30 PM
cybpsych
post Oct 5 2017, 08:04 AM

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Eligible for PBB VS 6% Grocery
Village Grocer @ MyTown Shopping Centre (MCC 5411)

Eligible for PBB VS 6% Dining
Sakae Sushi @ Sunway Velocity Mall (MCC 5812)

This post has been edited by cybpsych: Oct 5 2017, 08:05 AM
cybpsych
post Oct 5 2017, 03:24 PM

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QUOTE(kevyeoh @ Oct 4 2017, 08:58 PM)
Hi... is this related to payonline for tm/streamyx/unifi when using visa not counted for cashback but MasterCard is Ok.

But now visa signature also ok already?
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QUOTE(kevyeoh @ Oct 5 2017, 02:44 PM)
Yeah...but I want to understand if public bank missed it because of the payonline using VS card not recognized?

Wondering if we can now start using VS card to pay for TM to qualify for the swipe cashback...
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there were no such claims between Visa vs Mastercard. The earlier presumption was to TM/Unifi/Streamyx via UOBPayOnline.

the issue most likely miscalculation from PBB's side.
cybpsych
post Oct 6 2017, 08:53 AM

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QUOTE(BeyondM @ Oct 6 2017, 08:45 AM)
Can pay partial at unified.com.my portal. Just need to click the pen icon that you see at the right side of payable amount.
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who own this portal?
cybpsych
post Oct 6 2017, 09:08 AM

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QUOTE(BeyondM @ Oct 6 2017, 08:45 AM)
Can pay partial at unifi.com.my portal. Just need to click the pen icon that you see at the right side of payable amount.
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the question/statement was not about making payment.

it was about making ADVANCE payment, when your bill already -ve? can you still make MORE payment donation to TM?
cybpsych
post Oct 6 2017, 09:30 AM

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QUOTE(MGM @ Oct 6 2017, 09:19 AM)
Good, so as long as the balance is still +ve I can make advanced payment.
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yes, at most can overpay 1 time when the balance is +ve. same annoyance for RM5 Rebate Redemption at TMRewards. laugh.gif

guess they want to prevent excess/erroneous payment by user.
cybpsych
post Oct 6 2017, 10:23 AM

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QUOTE(nickcct @ Oct 6 2017, 10:16 AM)
Thanks. Then it’s act like M2C.
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someone asked before the same question, but havent responded back.

i'll remind myself asking this question next round when i call CS. laugh.gif

personally, i'd prefer to keep the Visa. useful for Departmental & Entertainment (eg use for movie tix if your Quantum Mastercard already maxed out).
cybpsych
post Oct 6 2017, 03:54 PM

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QUOTE(christie_ang @ Oct 6 2017, 03:36 PM)
Based on my transaction, i should get at least RM20, right? how to appeal?

[attachmentid=9209248]
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call CS to investigate.

claim that you made 10x RM50 within the week. *upfront ignore* mentioning the MPSP transactions, unless PBB stated explicitly those are not eligible (if so, ask them why brows.gif , just interested to know their answer )

if you should get at least RM20, then continue pressing them to recalculate. they'll take some time, usually around 1 week to revert back to you on their checking/calculation.
cybpsych
post Oct 7 2017, 08:16 AM

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PB Balance Transfer with Gift Programme [ PBB | T&Cs and Form ]
5 October 2017 - 31 January 2018

user posted image
cybpsych
post Oct 7 2017, 06:54 PM

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QUOTE(mamamia @ Oct 7 2017, 04:45 PM)
Seem like payment via Astro Self scare Portal having issue on cashback.. I didn’t get 6% cashback via PBVS in my recent month statement.
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gotten my cb from VS for Astro portal.

12 SEP 11 SEP ASTRO-3D E COM KUALA LUMPUR MY
cybpsych
post Oct 8 2017, 12:26 PM

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QUOTE(pvateme @ Oct 8 2017, 11:41 AM)
PB Quantum Master
I think they credit the cashback to me even on the cancelled / refunded tx.
and, my lzd tx using quantum master are entitled cashback.
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yes, noticed that too for my VS

refund from merchant, original transaction still counted with CB

if cancellation by PBB (eg due to double charging error), no CB.
cybpsych
post Oct 8 2017, 01:28 PM

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QUOTE(cybpsych @ Aug 11 2017, 07:27 AM)
Apply for PB Card Now and enjoy Double Rewards [ PBB | T&Cs | Application Form ]
1 August 2017 - 31 January 2018

user posted image
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QUOTE(yuunasue @ Oct 8 2017, 01:17 PM)
Online application need post document, do not wish to post, Email only.
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print fill sign scan email
cybpsych
post Oct 9 2017, 08:30 AM

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QUOTE(janson_kaniaz @ Oct 9 2017, 08:24 AM)
Is it just me or the UOBPayonline payment is down?
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down as in?

for me, i just logged in. no issue. didnt make any payment.
cybpsych
post Oct 9 2017, 01:25 PM

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QUOTE(kevyeoh @ Oct 9 2017, 06:03 AM)
Hi all... for the swipe cashback I assume supp cards also counted for the number of transactions... but registration only need for principal card right?

And also... I think I may have made a noob mistake again..for shopee transaction around 7am.. Will it be captured as yesterday or today's transaction ...I think some portal if you pay way too early in the morning... it could still be based on yesterday's date. sad.gif
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for sure transaction date = sunday (8 Oct).

update back once the transaction posted in internet banking. since shopee's posting always +2 days, i'm curious to know if the posting falls on 11 Oct or 10 Oct laugh.gif
cybpsych
post Oct 9 2017, 05:16 PM

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QUOTE(alvinfks78 @ Oct 9 2017, 04:27 PM)
Hey if a transaction don't appear on statement, is it safe to assume this transaction will be calculated in the next statement cashback quota?
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yes
cybpsych
post Oct 9 2017, 06:57 PM

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QUOTE(jianqiang @ Oct 9 2017, 06:44 PM)
For online transactions under MCC 9399 (gomen related services), is it entitle for cashback via VS (6%) and Quantum MC (5%)?
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likely ok, refer post 4, some of them are govt MCC.

what do u intend to pay? where to pay?
cybpsych
post Oct 9 2017, 07:20 PM

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QUOTE(jianqiang @ Oct 9 2017, 07:15 PM)
SSM via its online portal (eligible according to post 4)
CS confirmed that it is under Online category but cannot confirm on the entitlement of cashback as it is MCC 9399.
She said "U will know it when receive your next statement."
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PBB identification to Online is not stringent. just wait for the statement, and you tabulate the cb whether it matches the CB received.

afaik, 6% cb has no exclusion categorically. either it's online dining grocery, or none at all.

This post has been edited by cybpsych: Oct 9 2017, 07:21 PM
cybpsych
post Oct 10 2017, 10:35 AM

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QUOTE(cybpsych @ Aug 1 2017, 09:43 AM)
PBB: Revised Card Transaction Alert

In line with the implementation of PIN usage for card present transaction, we will cease sending Transaction Alert for all chip & PIN-entered transactions.

We will continue to send Transaction Alert for signature-based transaction based on your preferred threshold amount or the Bank’s default threshold if no threshold amount selected.

- 31 July 2017

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QUOTE(Nepo @ Oct 10 2017, 10:13 AM)
I didn't receive any sms alerts recently. Just now I call to cs, she said that no more sms alert with the using of PIN for payment transactions except payment by using the paywave.
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sudah lama announced lo
cybpsych
post Oct 10 2017, 10:41 AM

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QUOTE(razorboy @ Oct 10 2017, 10:37 AM)
Sorry for derailing the thread but how exactly did you do it online?
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refer this guide >> https://forum.lowyat.net/index.php?showtopic=4047534

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