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

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Sumofwhich
post Aug 4 2018, 11:19 AM

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QUOTE(Human Nature @ Aug 3 2018, 11:57 PM)
can be treated as payment
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Ohh so no need to pay statement balance but statement balance less rebates? That's eye-opening
rapple
post Aug 4 2018, 11:23 AM

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QUOTE(Sumofwhich @ Aug 4 2018, 11:19 AM)
Ohh so no need to pay statement balance but statement balance less rebates? That's eye-opening
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What so eye opening?

MBB and HLB also let you deduct promo cash back as part payment.

I know CIMB does differently which is weird.
lwc629
post Aug 4 2018, 11:50 AM

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QUOTE(Sumofwhich @ Aug 4 2018, 11:19 AM)
Ohh so no need to pay statement balance but statement balance less rebates? That's eye-opening
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Most of the banks practise this.

Statement balance is the amount u need to pay at the time the statement is generated. Over the 20 days interest-free period, there might be cashback, transaction refund, etc credited to your account. And u will see payment due (amount to pay before due date) = statement balance minus those credited amount.
Sumofwhich
post Aug 4 2018, 12:54 PM

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QUOTE(rapple @ Aug 4 2018, 11:23 AM)
What so eye opening?

MBB and HLB also let you deduct promo cash back as part payment.

I know CIMB does differently which is weird.
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yup am referring to CIMB CR card back then.

QUOTE(lwc629 @ Aug 4 2018, 11:50 AM)
Most of the banks practise this.

Statement balance is the amount u need to pay at the time the statement is generated. Over the 20 days interest-free period, there might be cashback, transaction refund, etc credited to your account. And u will see payment due (amount to pay before due date) = statement balance minus those credited amount.
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Got it, thank you!
tan_aniki
post Aug 4 2018, 01:04 PM

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QUOTE(Tigerr @ Aug 4 2018, 10:56 AM)
If the pool has depleted n even lets say PBB made mistake, how they going to refund you? Take the money from where? The last person who got the cash back got to return the money or additional funds inject in or deduct from the following week? Shouldn't the tnc should state final decision is at the bank discretion n no complains will be entertain. Otherwise how to convince public that their system is not perfect n could be many people also suspect them for manipulation. Just my thought only
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i think they are wise enough to keep the customer happy, just deduct RM50 from WK3 last entry and award for WK2 miss CB, easy right?
Tigerr
post Aug 4 2018, 01:28 PM

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QUOTE(tan_aniki @ Aug 4 2018, 01:04 PM)
i think they are wise enough to keep the customer happy, just deduct RM50 from WK3 last entry and award for WK2 miss CB, easy right?
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Means pbb doesnt follow their own rules which in black n white. Is that a violation because public interest is affected...hmm.gif

This post has been edited by Tigerr: Aug 4 2018, 01:28 PM
Dogta
post Aug 4 2018, 01:40 PM

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Hi, check with all sifu here, have reloaded RM150 (1 Visa, 1 Master for total RM300) to BigPay AND I have registered for the barrysmith/shopee promo. When to know you entitled for the item ah?

Is it have to call credit card centre? Thanks!
Human Nature
post Aug 4 2018, 01:45 PM

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QUOTE(tan_aniki @ Aug 4 2018, 01:04 PM)
i think they are wise enough to keep the customer happy, just deduct RM50 from WK3 last entry and award for WK2 miss CB, easy right?
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QUOTE(Tigerr @ Aug 4 2018, 01:28 PM)
Means pbb doesnt follow their own rules which in black n white. Is that a violation because public interest is affected...hmm.gif
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don't simply make your own assumptions la doh.gif
tan_aniki
post Aug 4 2018, 02:20 PM

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QUOTE(Tigerr @ Aug 4 2018, 01:28 PM)
Means pbb doesnt follow their own rules which in black n white. Is that a violation because public interest is affected...hmm.gif
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how you know how they allocate the fund every month?
they just announce publicly total allocation for July-December as long as it doesn't exceed the limit.
Tigerr
post Aug 4 2018, 02:25 PM

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QUOTE(tan_aniki @ Aug 4 2018, 02:20 PM)
how you know how they allocate the fund every month?
they just announce publicly total allocation for July-December as long as it doesn't exceed the limit.
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Of course we dont know but a financial institution as big like that dont have own set of ethic to follow or subject to audit on their practises.
janson_kaniaz
post Aug 4 2018, 02:51 PM

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I guess PBB is too nice that people are questioning all the petty details.

“Late” promo cashback payment but actually PBB is one of the fastest ones to give out.

PBB CS entertains missing cashback but people are questioning if they follow their own T&C.

This is why we can’t have nice things.
SUSDavid83
post Aug 4 2018, 02:56 PM

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QUOTE(janson_kaniaz @ Aug 4 2018, 02:51 PM)
I guess PBB is too nice that people are questioning all the petty details.

“Late” promo cashback payment but actually PBB is one of the fastest ones to give out.

PBB CS entertains missing cashback but people are questioning if they follow their own T&C.

This is why we can’t have nice things.
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Compare this to UOB YOLO and see.
Human Nature
post Aug 4 2018, 03:10 PM

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QUOTE(janson_kaniaz @ Aug 4 2018, 02:51 PM)
I guess PBB is too nice that people are questioning all the petty details.

“Late” promo cashback payment but actually PBB is one of the fastest ones to give out.

PBB CS entertains missing cashback but people are questioning if they follow their own T&C.

This is why we can’t have nice things.
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well said thumbsup.gif
lwc629
post Aug 4 2018, 03:45 PM

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QUOTE(janson_kaniaz @ Aug 4 2018, 02:51 PM)
I guess PBB is too nice that people are questioning all the petty details.

“Late” promo cashback payment but actually PBB is one of the fastest ones to give out.

PBB CS entertains missing cashback but people are questioning if they follow their own T&C.

This is why we can’t have nice things.
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QUOTE(Human Nature @ Aug 4 2018, 03:10 PM)
well said thumbsup.gif
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cannot agree more. tbh i'm pretty impressed with pb cards department, be it card benefits, ad-hoc campaigns or cs efficiency. even their e-statements are faster than others.


Grevade
post Aug 4 2018, 03:57 PM

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Hi guys, when is the card statement generated? And when do they give out the cash rebate?

I noticed an authorized charges of RM 12.85 on my visa card. Wondering what is that for hmm...
Human Nature
post Aug 4 2018, 04:04 PM

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QUOTE(Grevade @ Aug 4 2018, 03:57 PM)
Hi guys, when is the card statement generated? And when do they give out the cash rebate?

I noticed an authorized charges of RM 12.85 on my visa card. Wondering what is that for hmm...
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on your statement date for both questions. Contact cs to ask when is your statement date if you are not sure. And ask them about the 12.85 while you are at it
Micky78
post Aug 4 2018, 05:08 PM

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anyone having PBB infinite... easy to get as i currently using Signature?
Tigerr
post Aug 4 2018, 05:59 PM

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QUOTE(janson_kaniaz @ Aug 4 2018, 02:51 PM)
I guess PBB is too nice that people are questioning all the petty details.

“Late” promo cashback payment but actually PBB is one of the fastest ones to give out.

PBB CS entertains missing cashback but people are questioning if they follow their own T&C.

This is why we can’t have nice things.
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Not that serious till you mean it as questioning. But seriously, how do you expect if such a mistake can happen n probably lot of others didnt get their cash back even though they qualify but they dont know that there are people swipe later than him gets cash back. If this are left uncheck. It can be manipulate to some extent. Hopefully you understand what i mean n not this time become too serious. tongue.gif
Micky78
post Aug 4 2018, 06:17 PM

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QUOTE(Tigerr @ Aug 4 2018, 05:59 PM)
Not that serious till you mean it as questioning. But seriously, how do you expect if such a mistake can happen n probably lot of others didnt get their cash back even though they qualify but they dont know that there are people swipe later than him gets cash back. If this are left uncheck. It can be manipulate to some extent. Hopefully you understand what i mean n not this time become too serious. tongue.gif
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true, with the large volume of transaction. customer is not expected to monitor and count the rebate entitlement manually.


Tigerr
post Aug 4 2018, 06:25 PM

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QUOTE(Micky78 @ Aug 4 2018, 06:17 PM)
true, with the large volume of transaction. customer is not expected to monitor and count the rebate entitlement manually.
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I often read the term n condition of those contest. Normally it got a term that the final result will be final n bank wont entertain any protest or complains. I am a person who will follow rules strictly and play within the rules to make sure i can get what i want which are within my controls. I'm one of those who got full cash back from hong leong 30% a couple of years ago. Unless those contest winner which are randomly selected by the bank which is out of my control except swipe as much as i can to send in more entries.

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