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

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ClarenceT
post Aug 9 2018, 11:18 AM

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QUOTE(ykj @ Aug 9 2018, 11:11 AM)
I just found out that there is no cashback for payment using Boost and Fave, but Lazada is entitled.
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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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Boost Top up is not an ONLINE transaction (No OTP, only first time verification is online but then reversed) so no cashback.
Boost Top up is under DIRECT MARKETING, so it is usually excluded for promos.

ClarenceT
post Aug 9 2018, 12:05 PM

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QUOTE(cindelala^^ @ Aug 9 2018, 11:58 AM)
ooo.. like tat o.. i wan to join 'take ur choise hm promotion' n i wrongly read the t n c so thought need to apply for both pbb n pbb-i cc. 😂

another question is if i only hav vs, m i eligible to join the promotion?
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Should qualify if you are a new PB cardholder.
PB VS doesn't pair with any mastercard so you didn't need to apply for both Visa+Mastercard.
ClarenceT
post Aug 9 2018, 01:26 PM

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QUOTE(LightningZERO @ Aug 9 2018, 01:19 PM)
Just wondering, take Visa Signature for example. Annual requirement 80k. Let's say if I have monthly salary sum up to 70k and bonus of 10k. Technically 80k annual income and fullfill the minimum income requirement. While I think it would be case by case basis, but do banks recognize bonus as part of the annual income? I would assume that bank would prefer something more stable like actual salary = 80k without bonus? If my annual income is like that, it probably means lower chance of getting approval?
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Just give them your Form B/BE 2017.
ClarenceT
post Aug 9 2018, 03:50 PM

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QUOTE(CrazyGrandpa @ Aug 9 2018, 03:46 PM)
Depends on how desperate on bank side, my friend got CIMB VS Signature with CL 2.5k. Everything is possible !
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PB not desperate on VS... tongue.gif
ClarenceT
post Aug 9 2018, 05:08 PM

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QUOTE(TongCN @ Aug 9 2018, 04:48 PM)
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
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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).

ClarenceT
post Aug 9 2018, 05:15 PM

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QUOTE(TongCN @ Aug 9 2018, 05:12 PM)
I always opt the instant which MBB having RM0.00 right now
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Of course we shall use IBFT now as it is FOC.
But a lot of people missed the payment in the past as they preferred IBG.
ClarenceT
post Aug 10 2018, 07:55 PM

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QUOTE(tan_aniki @ Aug 10 2018, 07:46 PM)
Just received my VI and WMC but strange part is my VS/QMC/QV credit limit is still 40k but VI/WMC is 50k... is it separate from others or share?
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VI+WMC+VS+QM+QV: Max 50k
But VS+QM+QV you can use up to 40k only
ClarenceT
post Aug 10 2018, 08:19 PM

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QUOTE(tan_aniki @ Aug 10 2018, 08:10 PM)
erm... make no sense...
"VI+WMC+VS+QM+QV: Max 50k
But VS+QM+QV you can use up to 40k only"

But VS+QM+QV also inside VI+WMC+VS+QM+QV which mean credit limit also max 50k right?
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Yes.

Assume from 0,

If you spend RM5,000 using VI
Your available credit limit VI/WM - RM45k, VS/QM/QV - RM40k

If you spend RM5,000 using QM
Your available credit limit VI/WM - RM45k, VS/QM/QV - RM35k


ClarenceT
post Aug 10 2018, 08:24 PM

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QUOTE(tan_aniki @ Aug 10 2018, 08:22 PM)
means extra 10k boundary for VI/WMC la...
else if i spend RM20k for VI the other 3 cards still limit 40k meh, must be drop down to 30k
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Yes. Ask PB to increase your CL for VS/QM/QV to RM50k or reduce your CL for VI/QM to RM40k, then it will not confuse you in the future.

ClarenceT
post Aug 10 2018, 08:57 PM

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QUOTE(tan_aniki @ Aug 10 2018, 08:47 PM)
nvm la, i won't spend that much on PBB, the most i spent is on HLB Fortune.
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Haha my QM/QV CL is almost double of my VS (2014-). I am thinking to slash my CL as I have never breached 20% of approved CL. BT not attractive, only 6 months.
ClarenceT
post Aug 11 2018, 10:05 AM

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QUOTE(MGM @ Aug 11 2018, 09:51 AM)
Does paying fees to Taylor's College via PBebank>Payment>BillPayment>ToOtherBill using VS/QM entitled for online trx CB?
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Should be NO, bcoz via pbe.
ClarenceT
post Aug 13 2018, 11:49 AM

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QUOTE(Wolgie @ Aug 13 2018, 11:27 AM)
where u check this one?
I check my PBe online, card transacation, unbilltransaction, dont have.
I reload 3x60 in Laz wallet and 5x60 in Boost
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Boost top up is under Direct Marketing, so not eligible.
When did you perform 3rd top up on Laz wallet?
ClarenceT
post Aug 13 2018, 11:50 AM

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QUOTE(Wolgie @ Aug 13 2018, 11:47 AM)
Today i reload x3 Laz wallet and 5x Boost total 8.
Where and when i can know the cashback successfully? PBeOnline i check no info there.
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Boost not for online rebate, not for promo rebate!
ClarenceT
post Aug 13 2018, 11:54 AM

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QUOTE(Wolgie @ Aug 13 2018, 11:51 AM)
Just around 10.00pm today.
Ahh.. then wasted my x5 in Boost. But Boost still for the Quantum Mastercard 5% cashback?
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No. Boost is automatic Direct debit, not online transaction. You didn't receive OTP! So no rebate for Quantum MC.
ClarenceT
post Aug 13 2018, 12:01 PM

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QUOTE(Wolgie @ Aug 13 2018, 11:57 AM)
Oohhh learn a lot smile.gif thanks  notworthy.gif
will cancel boost smile.gif
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Boost is really good, 50% rebate at some outlets! No need to cancel.
You can always top up BigPay first, then use BigPay to top up Boost!
ClarenceT
post Aug 13 2018, 12:04 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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The fund at your Boost account can be transferred to your saving account, you only lose RM2 for the transfer.
ClarenceT
post Aug 13 2018, 01:52 PM

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QUOTE(OKLY @ Aug 13 2018, 01:50 PM)
So in this case Boost transactions are not qualified transactions for the PB Spend Now 4 More Cash Back campaign right?
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Not qualified bcoz it is under Direct Marketing.
ClarenceT
post Aug 13 2018, 02:00 PM

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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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Date (16/7 ?) and Time? (3rd transaction)

This post has been edited by ClarenceT: Aug 13 2018, 02:00 PM
ClarenceT
post Aug 14 2018, 06:03 AM

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QUOTE(Fak3-1234 @ Aug 13 2018, 04:13 PM)
@ClarenceT
@Ramjade
@cybpsych
@TongCN
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Schedule to pump petrol >RM60 on Monday morning, or use Bigpay to pump petrol!
ClarenceT
post Aug 14 2018, 09:30 AM

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QUOTE(sam240 @ Aug 13 2018, 11:14 PM)
Anyone try to pay PBA bill by using the website?
https://epayment.pba.com.my/

If pay by using FPX, can we choose to pay with credit card?  hmm.gif
Not sure will it get 5% or 6% CB?

[attachmentid=9970633]
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PB (-5%/-6%) -> Bigpay -> Boost App -> PBA (Shake reward -2% or more)
But no receipt provided, not good if you want to claim from business.


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