Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
cybpsych
post Aug 13 2018, 04:36 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(skty @ Aug 13 2018, 04:26 PM)
hello guys, I still remember I read it somewhere in this forum about new credit card that the period between the card approval date and the statement date doesn't reach one month cycle, which is 30 days.

for example, card approved on 19 July, but statement is 6th of every month, so not reach 30 days to issue the first statement. So the first statement will only be produced and issued on 6 September.

according to CS, they say for the spending between 19 July to 5 August will share the cashback (RM30 for online spending for quantum mastercard) with the spending between 5 August to 4 September because of only ONE statement is produced.

Anyone has successfully appeal to have seperate cashback?
*
yes, that is their current billing design.

i did dispute before when first gotten pbb card. can request to get back the cb for partial-statement cycle.

in your case, you need to wait until 6 September statement, then request for cb adjustment.

19 Jul - 6 Aug = RMxx earned cb
7 Aug - 6 Sep = RMyy earned cb

you might get max RM30 cb on 6 Sep statement, but you can request the earned RMxx cb for period between 19 Jul - 6 Aug.




i am same case as yours.

i already earned max RM30 cb (spent exactly RM600), but no statement generated on 4 Aug. CS advised me to wait until 4 Sep, then they will submit to mgmt to review.

reason is simple: to prevent fraud claims.

if i made the claim and gotten RM30 now, then no spending until 4 Sep statement, i will still get RM30 cb without spending anything (5 Aug - 4 Sep).

so, they need to make sure I do spend in this period before they can calculate the split between partial-cycle (RMxx cb) vs full-cycle (RMyy cb).


now, i've made total rm600 (partial cycle)+600 (full cycle), waiting for 4 Sep statement (get max RM30 cb) before i request for cb adjustment of additional RM30 for partial-cycle.

This post has been edited by cybpsych: Aug 13 2018, 04:39 PM
cybpsych
post Aug 13 2018, 04:50 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(skty @ Aug 13 2018, 04:45 PM)
For your case, I dont understand why they need to wait until 4 Sep only can start calculate the cashback.

You have already spent RM600 before 5 Aug, which mean you should already guarantee to get cashback. If you don't spend anything during 5 Aug to 4 Sep, you also should entitled the RM30 cashback for the RM600 you spent before 5 Aug.
*
this is provided i wait for 4 Sep statement and get the usual monthly cb.

problem is, i am making the claim now to get back RM30 laugh.gif ...... IF i dont do anything, i will get another RM30 on 4 Sep, which is not proper.
cybpsych
post Aug 13 2018, 05:54 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(TongCN @ Aug 13 2018, 05:26 PM)
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 ?
*
yep, yours is another scenario that i noticed for my older supp cards.


i suspect this behavior is dependent on total days between approval date vs statement date.

i noticed 2 of my supp cards immediately get statement-ed (partial-cycle) following existing statement cycle. <-- later i might call CS to find out the approval date to compare. biggrin.gif

the recent 2 new supp cards, didnt get statement-ed (partial-cycle). for these cards, total 17 days from approval till (supposed) 4 Aug statement, which didnt happen.

probably >21days would get statement-ed. anything lesser would need the next cycle. hmm.gif

**just counted all my cards, it need at least 22 days between approval vs statement date to get it statement-ed.

This post has been edited by cybpsych: Aug 13 2018, 08:52 PM
cybpsych
post Aug 15 2018, 09:20 AM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(Sumofwhich @ Aug 15 2018, 09:19 AM)
I tried the link but still failed to register, it says
"Sorry, PBe Registration has failed.
One or more information is incorrect. Please ensure that all the information is correct before submit your registration again. "

Using my supplementary holder's IC and credit limit is correct as checked with CS, seems like need to have the supplementary holder open a savings account first?
*
from my past experiences, u need to go to branch. it's faster and easier to sort it out at one go.
cybpsych
post Aug 15 2018, 09:28 AM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(Sumofwhich @ Aug 15 2018, 09:26 AM)
got it, thanks.
Rather inconvenient for my case, so will have to stick with e-statement for now smile.gif
*
yes, me too. but i took the effort to go anyway. 1 time pain and inconvenience laugh.gif but monthly, it's manageable easily by yourself isntead of waiting eStatement.
cybpsych
post Aug 15 2018, 01:42 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(HMMaster @ Aug 15 2018, 01:39 PM)
Need the supplementary card holder to go to branch? Or the principal holder should be enough?
*
my case. supp cardholder. they need fingerprint verification.

principal can't do anything because PBe is tied to the individual.
cybpsych
post Aug 15 2018, 02:35 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(HMMaster @ Aug 15 2018, 01:47 PM)
Aiks... plan to get one for my parents. But too troublesome if need them to go to bank.
*
same for me. brought them along, open BSA, open PBe, link card to PBe, then kaotim all.

QUOTE(Ramjade @ Aug 15 2018, 01:56 PM)
If got SST,  can I cancel QVC? Never use it all.
*
already asked and answered many n-th times.

yes you can terminate either quantum card.
cybpsych
post Aug 15 2018, 02:40 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
PB Privileges @ Traveloka [ PBB | T&Cs ]

user posted image
cybpsych
post Aug 15 2018, 04:23 PM

---------------------
*********
All Stars
65,262 posts

Joined: Jan 2003
QUOTE(Micky78 @ Aug 15 2018, 04:21 PM)
under new ST is rm25 per card...last time.is rm50...
*
that's what is communicated.

how bank treats the combo/dual-cards could be different. e.g. Maybank 2 Cards (cannot terminate either card) or PBB Quantum (can terminate either card)



26 Pages « < 24 25 26Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0913sec    0.73    7 queries    GZIP Disabled
Time is now: 28th November 2025 - 12:18 AM