This is your first credit card? Congrats.

Let me share with you my experience.
I think I have this card about 10 years ago. Got it together with my house loan. Since its free for life, loan agent help to submit and I never have any cc yet, I go for it.

I used it for 2 to 3 years. No issue. What bothers me was that every month statement come, I saw a cash rebate of a few cents, 50 cents, rm1 occasionally (0.1%cash back) . One day I got fed up and say "you might as well don't give me any rebate".

That's when I start researching and progressing to ocbc titanium, mbb2card, hlb wise card, pbb visa signature, pbb quantum, MBB ikhwan, MBB Barcelona. All these offer (offered) at least 5% cashback for certain category.

Along the way I "preach" to others around me on this. Heck I even help my family in law to pay the bills and give them back the cashback.

It has become an obsession to track the spending and make sure I use the cashback properly and within limit each month. Not really a good traits but I enjoy it.

There are times when others don't understand why bother. I then asked them how much they have in saving FD (usually not those investor in market share or property), more like that junior in workforce for 2-3 years. For every 2k in FD, you get about rm5 per month. You need 20k in FD to get rm50 per month. What I need to do? Spend rm1k per month (usual spending on needs). And I get back rm50 per month. And that's just one card. I have quite a number. Every year, I save 1k-2.5k.

You would likely find like minded members here. Be a knowledgeable cc user. And though I hated pbb for the gold card, I'm grateful it actually started my journey in cc. And pbb redeemed itself in my mine with visa signature and quantum. Haha.

for those that earn rm50 frequently for cashback. do you guys have high bill of utilities to pay or what?

i always get rm10 only since my bill is never rm500 in one shot

Jom pay usually no cashback for any bank, no?

Anyone used payonline to pay unifi? Is it under tm?

Thanks

can cancel only one of the card?

hmm...weird.. i didnt get any cashback4u as well.

edited: god, now only i notice all my maxis payment is considered on sunday
and its for two weeks in a row.
and i just did transaction this midnight too .. guess it will be 3 weeks in a roll

This post has been edited by cempedaklife: Aug 13 2018, 03:36 PM

really? how? should i write an email?
i think it only start during this campaign. last time no issue at all.

This post has been edited by cempedaklife: Aug 13 2018, 03:49 PM

got it. thank you!

Not kiasu. Sunday night late sleep is normal. Rather than Monday. Don't have the luxury to do before midnight since got kid

Dunno why I always need spend 1 hour to do this.

Well. My 7.30am maxis pay was also considered a Sunday transaction.

Maxis server follow gmt time? If not it could be 9am 10am 11am., never ending.