1) use common sense!

do u really owe the money they claimed you to be?
do u even have their service at all?
do u have issues with the outstanding?

you should know whether you are in trouble or not.

2) if you are in trouble, do u prefer to call banks for info and support?

3) then call the bank back! or in serious trouble, walk in to branch or HQ to resolve.


why do u need bank to call you and help? knowing there are many scams around, do u think it is safe to deal over the phone call?

convenience and complacent will put you in deeper trouble. be careful, mindful, and alert, especially dealing with banks or money-related matters.

more like PBB's issue.

i had experienced similar previously, not from uobpayonline, just normal swipe at secret recipe. pbb cs did the adjustment the next few days, without filling form (obviously they knew the problem was erroneous double-posting of transaction.

just asked cs how many transactions captured by their system, then you'd know where the issue originated. if captured 1x but posted 2x, pbb's issue. if captured 2x and posted 2x, merchant's issue. also find out how many OTP sent and received. 1 otp = 1 transaction = 1 posting.

which merchant?

better disclose which suspected merchants so that we can compare notes and be wary of it.

oversea cc means cc not identified as local Malaysia issued. this is normal for new card like Quantum.

it doesn't mean the call is made from oversea branch.

specific to your question: no need

however, you need SA to create PBe internet banking, which in turn able to view cc transaction history.

autopay/autodebit/standing instructions are not ONLINE.

post #4?

previously back in HLB Wise threads, Gama was tested to be Departmental. not sure which area was it. refer above.

for your case in Penang, probably they split 2 MCC (grocery & departmental) like Aeon? or both section under Grocery? or else.

do call CS to ask for MCC, they can provide you without fuss.

that's "normal" especially diff outlet has diff MCC assigned during application of the terminals.

sometimes they swap the terminals around (e.g. departmental terminals used at Grocery section or vice versa).

fyi

possible issue from Celcom.

users reporting similar issues in UOB thread.

do u have to keep asking?

just keep monitoring your cc in PBe or in this thread for other reports la.

tough to hit all ...

1) get more supp cards, with split statement. that means you'd probably need to access all supp cards' statements (eBill or PBe).
2) get multiple pbb products, mix-and-match. e.g. VS and Quantum or other PBB cards.
3) spread the swipes in 3 days
4) pay directly to merchant to complement shopee.

on avg, 4 weeks in a month, 1 week to spend ~RM5xx+, that's about ~RM2k+ per month of spending (assuming kiasu to hit all weeks).

1 or 2 cards are definitely not enough to spread the spending while gaining monthly cashback without maxing them.

or, just 1 or 2 cards to max out the cb without being calculative since the promo weekly cb is good enough to cover the "loss of monthly cb".

why dont u check in RinggitPlus instead?

pbb announces month-by-month list of winners, so far only month 2 announced.

final month 3 (15 Aug - 14 Sep) has not been announced yet.

PBB website

possibly the same team for tabulating the promo is occupied in cleaning up the double-posting mess.

I submitted latest 3 mth payslip + nric. that's all.

yes, per statement cycle.

however, there's hope

if you swipe for AA tickets now, but it get posted after 27 Oct, then the cb is on your next cycle.

refer inline comment.

scenario B is better.

note: all based on assumption the transaction get posted within the same cycle and eligible for cb.

This post has been edited by cybpsych: Oct 25 2017, 01:59 PM

this is why one of the FAQ in any cc thread would be: "cashback calculation is based on statement month or calendar month?"

if you're reviewing your calculation/formula, count it based on POSTING DATE instead. this is more accurate to determine actual cb amount.

e.g.

swipe RM100 on 1/10, posted on 2/10, cb RM6 on 16/10 (assuming no other spending).
swipe RM100 on 15/10, posted on 16/10, cb RM6 on 16/10.
swipe RM100 on 16/10, posted on 16/10, cb RM6 on 16/10.
swipe RM100 on 16/10, posted on 17/10, cb RM0 on 16/10. the RM100 is to be calculated in next cycle ending 16/11.

This post has been edited by cybpsych: Oct 25 2017, 02:18 PM