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Credit Cards Public Bank Credit Cards V3, PB Visa Sig 6% & Quantum 5% Cash Back
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jian94
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 May 26 2018, 01:41 PM
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Getting Started
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Hi, i just got approval for the public bank visa gold and a new credit card user here
Can I know how the balance transfer, cash back and installment plan work?
For example I purchased a pc for rm3000.
Is it better for me to use balance transfer? (can it be transfer from another bank card with own by my gf?)
How much is the cash back and how it work?
How to calc the installment plan? Is it better for shorter or longer period?
Beside that, does the cash back include petrol?
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jian94
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May 26 2018, 02:31 PM
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Getting Started
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QUOTE(David83 @ May 26 2018, 01:47 PM) We don't know which PBB Visa Gold that you applied. Please be more specific by providing the link from PBB website. For BT to works, you need to transfer outstanding amount from another card of another bank under your name. Hi, the card I mean is the one above. Too had because the shop I want to purchase don't have pbb easy payment (I think so because I only see ambank logo and the staff say they do not offer) so I thought I could transfer from my gf ambank card...but it's ok |
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jian94
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May 26 2018, 02:35 PM
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Getting Started
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QUOTE(matrix88 @ May 26 2018, 01:46 PM) balance transfer is if you have balance on one card, you transfer it to another bank card .not applicable to you cash back is if your card offers that, they will give you a cash back for your purchases .(few percent if you qualify) installment plan - usually 0%, off course longer is better if it is low interest, if high interest, you do the math Thanks for the info I think my card do offer 0.1% cash back. So how do it work? The zero percent only applicable to certain shop right? If the shop don't have then I subject to 5% for 24 months and 7% for 36 months(upfront not interest). So how it calc and how is it different from interest |
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jian94
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May 27 2018, 12:01 AM
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Getting Started
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QUOTE(matrix88 @ May 26 2018, 04:24 PM) cannot be 0.1% cashback, most likely is 5% etc... yes, zero percent only applicable to certain shops, if not you will have to apply for installment plan, which locks up the interest and repayment term. otherwise you will have to serve your normal credit card interest which is 18% (unless you have good record and bank grant you something lower) in this link it say 0.1%? Besides that, if the installment plan is 7% upfront for 36 months with minimum rm3000. Can i have few transaction to sum up the rm3000? https://ringgitplus.com/en/easy-payment-pla...xipay-Plan.htmlin this link it say 3 days after transaction or 5 days before next statement date. if i wan to sum up the transaction, then i shall contact them 5 days before statement date or i shall try to make the transactions in the same day and contact them after 3 days? On more thing, in https://www.pbebank.com/pdf/Promotions/tc_f...ay-jan-jun.aspx. It stated "The Cardmember shall pay the Flexipay Monthly Installment in addition to the 5% monthly minimum payment due on the rest of the balance outstanding (if any)". what this mean? mean i have to pay addition 5% of the minimum or only if the repayment is lower than the 5% minimum payment? |
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jian94
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May 27 2018, 12:22 AM
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Getting Started
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QUOTE(matrix88 @ May 27 2018, 12:05 AM) hahaha. 0.1% is so low, but it is for everything lo.... usually its one transaction la 5% + monthly minimum la. but if you pay like this, it will take forever for you to repay. merely only covering interest & finance charges i dont think petrol include lo and if apply for installment then no cashback damn sad wanna buy pc using the card but not everything can be bought in the same shop walao eh monthly repayment also jia lat liao and need to add 5% somemore? haih.. |
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jian94
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May 27 2018, 01:07 AM
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Getting Started
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QUOTE(matrix88 @ May 27 2018, 12:25 AM) since this is your newly applied credit card please make sure you spent within your means do not try to pay back in low installments % as interest charged is very high, and if late payment also penalty is very high CC comes with big responsibility and prudent spending so if i want to make transaction rm2000 + rm1000= rm3000. do u have any suggestion how should i pay off and how it calc? |
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jian94
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Jun 15 2018, 01:14 AM
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Getting Started
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Hi I want to ask I had use my credit card to pay netpay for the amount rm3.6k for 4 sellers on lelong.
However, I demanded return and refund from one of the seller which around rm210.
But the amount rm3.6k has been charged and convert for 36 month and 7% upfront.
Is it possible to reduce the charged amount or I can only blame myself for being unlucky for the upfront payment?
*I understand the refunded money can be use to pay the monthly installment
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