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Credit Cards Public Bank Credit Cards V3, PB Visa Sig 6% & Quantum 5% Cash Back

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TongCN
post Aug 9 2018, 09:39 AM

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QUOTE(ClarenceT @ Aug 9 2018, 09:30 AM)
Bank usually will not give 2 separate Credit Limits (one for conventional and another for islamic) as risk doubles. Why not you get Public Bank Visa Infinite & World Mastercard (sharing credit limit with your VS, so no additional risk to PB) instead of applying for another new credit facility from Public Islamic Bank Berhad?
Your existing Credit limit is too low to "add" PB VS.  smile.gif
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Dang ~~

I'm cancelling lots card (no usage anymore) and trying to apply VS and failed, hahaha..
TongCN
post Aug 9 2018, 11:18 AM

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QUOTE(shmily86 @ Aug 9 2018, 11:13 AM)
diff. operator diff. answer bangwall.gif

top up boost e-wallet, call by phone said not eligible.

I email asked to check isn't all my retail transactions is eligible to promotion  “Apply Now for PB Card & Take Your Choice Home Campaign”?

Today I'm received a call she inform that YES, all qualify and wait to receive luggage.

My RM 150 transaction include boost and Big Pay.
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Same as me, i remembered my "purchase" is to top up B** P** for Quantum Master on RM180.

Then the operator just said i had reach the requirement on that day (When i top up)

TongCN
post Aug 9 2018, 04:16 PM

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PBB handling those unbilled transactions/ CC processing takes quite a time

Today i did my first payment to PBB using MBB instant transfer, within 0.5 second, i received SMS from PBB said money received, woot doh.gif

That's freaking fast laugh.gif

Other banks doesnt reflect so instant

This post has been edited by TongCN: Aug 9 2018, 04:16 PM
TongCN
post Aug 9 2018, 04:48 PM

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QUOTE(David83 @ Aug 9 2018, 04:20 PM)
That's the purpose of IIBFT.
Actually, it doesn't show only but your CL should have recovered once the transfer accepted.

Use case from Citibank.
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QUOTE(cybpsych @ Aug 9 2018, 04:24 PM)
usually banks manages and prioritize their resource! if every single transactions need to be reflected in real-time/near real-time, it's be resource intensive and not favorable.

analogy: can you keep refreshing/F5 your browser to see the website changes? can you still use your laptop/pc/phone if you KEEP refreshing it?  laugh.gif  same thing to bank systems. if they keep refreshing ALL the accounts for ALL transactions, their systems would be overloaded and goes AWOL.
for payment, usually it's reflected immediately. for cc transaction, it would take daily refresh to see it.

one bank that i noticed doesnt reflect payment immediately is UOB. my Instant Transfer to UOB YOLO card doesnt reflect immediately, and UOB only refreshes it at 10pm daily.
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Some bank doesnt instant for me sad.gif

Sometime when i did on Friday Morning, the actual only reflected on NEXT Monday mad.gif
Then i get interest charges vmad.gif on this "slow" payment

Like bro cybpsych mentioned, UOB is one of it.
Another is CIMB puke.gif
TongCN
post Aug 9 2018, 04:56 PM

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QUOTE(cybpsych @ Aug 9 2018, 04:53 PM)
for uob, instant transfer is instant fund transfer (fund movement). just that the transaction is NOT REFLECTED instantly in the internet banking (IB) because bank doesnt refresh the accounts frequently.

for UOB, they already captured the fund, just their PIB doesnt update/refresh until 10pm <-- i guess uob is avoiding acct refresh at midnight like most banks do.
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Which i dun understand, i get charges for Financial Interest sometime, though it just RM1~
TongCN
post Aug 9 2018, 05:00 PM

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QUOTE(cybpsych @ Aug 9 2018, 04:57 PM)
that, i dont know what is happening between u and the bank  biggrin.gif
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Anyway, PBB is the only bank that will send SMS regarding they receive the money <--- this one i salute, at least i get notify

CIMB, MBB, UOB, SC which i own do not have this feature.
TongCN
post Aug 9 2018, 05:12 PM

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QUOTE(ClarenceT @ Aug 9 2018, 05:08 PM)
You paid RM0.11 instead of RM0.53?
A lot of people used IBG instead of IBFT just because of 40 sen difference!
If you use IBG by 5pm, you must make sure it is not a Public Holiday in Kuala Lumpur, otherwise the transfer will be processed on the following WORKING day (at KL).
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I always opt the instant which MBB having RM0.00 right now
TongCN
post Aug 13 2018, 09:21 AM

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Lol .. PBB thread been silence quite a time during weekend biggrin.gif
TongCN
post Aug 13 2018, 10:09 AM

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QUOTE(Wolgie @ Aug 13 2018, 10:05 AM)
Good morning Monday.
Time to reload x3 for lzada wallet for the rm15 cashback right?
Dont said finish again... lol
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You will never know until you try it.

It's 50:50

You DO or do not DO
TongCN
post Aug 13 2018, 11:24 AM

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13 AUG (DGP) SPEND NOW 4 MORE - WK3 50.00
TongCN
post Aug 13 2018, 12:06 PM

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QUOTE(Wolgie @ Aug 13 2018, 11:56 AM)
Do 11st can pay use bigpay?
So for my future, better use bigpay, not Boost which i aldy buy 250 using Boost
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Using Boost on 11street can get shake back reward also :\
TongCN
post Aug 13 2018, 03:32 PM

Look ma, I have lots stars :D
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QUOTE(Fak3-1234 @ Aug 13 2018, 01:57 PM)
how cum i never received singel cent cashback from ppb even i top up rm60 x 8 to bigpay in "Spend Now 4 More Cash Back" campaign
ady sms register during 1st week
spend everything above rm60 still get nothing
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Where you "spend" is the question mark now.

Mind to share?
TongCN
post Aug 13 2018, 04:19 PM

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QUOTE(Fak3-1234 @ Aug 13 2018, 04:13 PM)
@ClarenceT
@Ramjade
@cybpsych
@TongCN
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Clearly it is WEEK 4 ...
TongCN
post Aug 13 2018, 05:26 PM

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My case is i received card roughly end of June and statement cycle is 21st of the month.

When i received my first statement (Spent more than RM600), i saw RM30 being CR into my 1st statement generated on 21st July.

This is correct , right ?
TongCN
post Aug 15 2018, 02:27 PM

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SST left half month before implement..

Just now i bought 4D and i saw SST 10% charges, woot!?
TongCN
post Aug 15 2018, 03:44 PM

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QUOTE(ClarenceT @ Aug 15 2018, 02:38 PM)
That is not SST by Federal Government.
It is taxed by Sarawak Government.
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Lol.. my bad, i rarely buy this lottery hahaha

And sorry for out of topic notworthy.gif

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