Alliance CRM is Hitachi. Can dispense 40 notes but bank limit it to RM3k per withdrawal.

Coz at 5x TP, the % return is quite worth it when it comes to air ticket redemption.

for e.g 70k Enrich miles for KUL-London return economy (cash fare around RM3000)

70k Enrich miles = 315k TP (4500 TP = 1000 miles). With 5x, the required spending is RM63,000 (4.7% return)

Business class (RM15-18k) will be more worth it. 200k miles = 900k TP = RM180k spending (at 5x). Close to 10% return

Of course, each to its own. Some prefer CB, some prefer to get points.

It's for BigPoint Loyalty. Your points won't be updating only.

I still can topup a while ago no issue

Full Message - BIG Loyalty will be down from 16 Feb, 6PM to 17Feb 8AM (GMT+8). Your BigPoints won't appear on Bigpay but they will still add up during the time.

This post has been edited by tohff7: Feb 15 2019, 04:30 PM

Disneyland and then Hakone? Hah

Seven Bank is inside 7-11 store ATM is it?

hmm, my CC topup this month actually exceeded RM10k already (by RM500). Was trying to topup RM500 last week, but there's some slow connection or error which lead to double top-ups.

This should also means that the RM10k CC limit is actually imposed on the app side, rather at BP server.

After today update, I see I still have about RM5xxx CC top-up limit

Seems like with the new update, the monthly RM10k CC limit is reset for the month.

I not exactly sure because my BigPay still have RM4xxx balance. That's why the topup show a limit of RM5xxx because of RM10k wallet size.

Maybe someone with almost 0 balance can verify?

Don't understand.

Die-die must topup BP during this specific time? Cannot wait until whatever system upgrade/maintenance/issues resolved then topup?

some time it's just a few ringgit extra...or can't earn a bit of cashback or points

but then ppl complain like they missed out on big sum of money

Understand that but it's not like you urgently need to topup BigPay during its downtime to pay for some oversea transaction right? Cannot wait a few hours

If really urgent, then use back your normal CC? Lose out on some forex and BigPoints only. Won't die 1

they are doing back-end migration/maintenance and taking longer than expected.

if down on weekend, i think it's worse and more ppl will complain

u can actually register the same account no. again and perform a transfer out. don't even need to delete the existing 1

Incoming complains abt unable to topup own CC for wife, husband, son, daughter, uncle, auntie BO

Someone posted 100k yen

The bank is owned by 7-11, hence it’s called Seven Bank.

I would think most 7-11 in Japan will have an ATM. Competition of convenience store in Japan is very fierce yo.

MBB VI got additional 2% fees mah

Yes

It's better to ask in HSBC CC thread.

And yes, I applied thru Ringgitplus and had RM1k spending to get the RM500 Lazada Voucher. Already got the e-Voucher.

But I use Boost to topup la. The Eligibility is not strict like cashback promo actually..

BP might not care or not that strict because they have an electronic trail showing the source of fund - CC, banks, etc. So whatever shit happens, they can trace back the details etc.

BUT, you could get flagged by your bank because your CASA regularly keep getting ATM deposits. Think about that

Not sure if you understand my example or not. And also don't know why you need to be SO defensive about it in a public forum. We know there's nothing illegal in topping up BigPay and then do ATM withdrawal to game the CC reward system. But obviously this will not last forever. Defending it here won't prevent the inevitable outcome

Like I said, BigPay can be less strict because your source of fund is electronically traceable. Only CC or bank transfer, no CDM. But doesn't mean they can just sit on their ass and not need to have some sort of monitoring to detect unusual activity and report to BNM. Anyway, like some forummers pointed out, BigPay will just call you, interview you and ask to show some document as a proof if necessary. Don't need to worry about getting ban/suspended as long as you can give reasonable reason and show document proof.

Real case - in the start when there's is no CC topup limit, my friend did huge $$$ amount with BigPay in 2-3 months (CC points earned enough to redeem flight to London). BP staff called him up and ask for certain documents (salary slips i think). Till this day, he still have his BP card and still churning with the RM10k limit.

That's BP part. Now comes the bank part. On bank side, they will only see "RMxxxx cash is deposited via CDM" right, they won't know the source of the cash, right?

So, depending on what you do, it could trigger a red flag for potential money laundering activities, and then an investigation/report might need to be done and filed to BNM as part of the process. Obviously, big sum money transfer is already by default need to be reported.

In money laundering, there is a process called 'structuring' - read up on that. This is why small amount transactions can be flagged as well. 1 BigPay card to topup, withdraw, and deposit RM9-10k cash with the CDM 3-4 times might seem 'little' to trigger something - but what if it's more than 1 card feeding deposit into an account?. After-all, everyone can apply for BP - be it for their son, daughter, uncle, auntie, grandma, grandpa

This post has been edited by tohff7: Feb 28 2019, 12:13 PM