I have been getting every month without fail, most of us actually. For my case, I will spend on the first day.

So long you spend at least once per month for consecutive 12 months, it will be auto-waived. Already auto-waived last year, I foresee no issue for this year as well.

I remember there was forumer transacted on 25 still got the cb if not mistaken. Anyway, try to utilise on 1st week if possible

Every bank will at least check CCRIS and other assessments as well.

Every search will leave a dot on the report for the next 12m.

Either you apply all one shot and let the dots appear altogether or leave a gap of 6~12m to apply next product.

In this way when all checking at that point of time, no one will know u are applying multiple institutions at the same time.

The record is updated quarterly basis.

P/s: based on recent contract to upgrade of a FI’s system from twice a year to quarterly basis.

The simplified Version.

It depends which was used- ctos/ ccris

There’s two major ones.

CTOS: Privately owned business entity. Free version is the “soft search” type and the one they send out yearly.

The paid version is one gives you full record. That will be a “hard search” each time you request too.

CCRIS: BNM/govt type.  free- “hard search” throughout whenever you or whoever request it.

Another way is that you go branch and get a blur fish there to show you...

TNG at 7-11, RM5 everyday till 31 Dec, after that see TNG got new campaign or not, previously min RM10 with 3 cb per day, then they revised to min RM5 but only 1 cb per day, hope they remain this or back to RM10 3 cb per day

I'm not afraid of quota finishes on day 1 because I know it won't. Been using YOLO since it was introduced and never had this issue, now with this revision it is more difficult to achieve the CB criteria.

then just do RM120 for 5 days on Boost

starts from Jan 2020 only count as 1 transaction if multiple transaction on same merchant on same day

Lesser cashback per cardholder + higher total cashback pool = a longer time to fully deplete the total cashback pool

Also removing bills and no repeated merchant per day makes it harder to hit the criteria

cb depleted on 5th, only got from 1st-4th March