Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsPrepaid Cards BigPay - Prepaid MasterCard (with Mobile Apps) V2, CashBack, BigPoint & Remittance
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 Jul 5 2019, 09:34 PM
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#81
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Junior Member
324 posts Joined: Apr 2019 
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QUOTE(CardNoob @ Jul 5 2019, 09:26 PM) But SC LFC is only rewarding 3.33% cash back. maybe the CB cap fit his criteria How does this fit to your criteria?    |
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Jul 6 2019, 10:39 AM
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#82
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(tan_aniki @ Jul 6 2019, 10:11 AM) nope, if include more than RM800+/month from PBB and HLB  so many..... but i am satisfied with StandChart card |
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Jul 10 2019, 01:23 PM
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#83
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(talexeh @ Jul 10 2019, 09:23 AM) They absorbs all the commission fee? Their only source of income is pretty much the RM6 withdrawal fee. not really. when u spend with BP i think they do have charges on merchant which would lower down some of their costQUOTE(avinlim @ Jul 10 2019, 09:35 AM) They earn merchant fees (if any)...Dunno how they get on hold on that business when just keep giving out money like boost. most e-wallet or all were burning money right now QUOTE(tohff7 @ Jul 10 2019, 10:10 AM) It's all about big data. Just like why Grab/Uber is also burning money to subsidise your ride. yup..... spending behavior and some other information which they could use for analysis or sell to those advertiser for profitBoost and BigPay end-game is about the same - Micro-credit lending QUOTE Do you even know what 'cash flow' is? Hint, the word 'flow'. And a financial business is not like a business to 'roll' cash flow. They can't suka2 use the money to loan out or invest. Definitely loss making since inception. Like almost all tech/startup type companies. QUOTE how do u know they are able to use the users funds? i tot the funds collected must be in a trust account as BP is regulated by BNM this depend on the rule and regulation BNM set for e-wallet company. like bank, there were actually taking our money to loan to others QUOTE(tan_aniki @ Jul 10 2019, 10:13 AM) nowadays, they don't care about profit/lost, the most important thing is to build up the value of the brand, then sell off ya, branding |
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Jul 12 2019, 10:20 PM
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#84
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(tan_aniki @ Jul 12 2019, 07:53 PM) Just applied HLB AirAsia CC, worth or not to reload RM1700/month to Bigpay to get additional 25k Big Points for 1st year then 20k for the years after? what i was wondering is...... topup BP is under category of Every RM1 AirAsia spend = 6 BIG Points?? |
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Jul 16 2019, 11:56 AM
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#85
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(avinlim @ Jul 16 2019, 10:46 AM) Don't blame them for not setting the limit la... blame ur unlimited tansam and abuse. all people were greedy but to what level only. yala...haha..i know. name already show everythg. |
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Jul 16 2019, 10:38 PM
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#86
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(Tigerr @ Jul 16 2019, 06:54 PM) Yes. I paid 5% in fees to cc also breach 5 figures liao. yes it's true actually ...... but need to have a good way to manage the amount (cause still need to pay back the CC statement due but without the fee plus a longer period given if you able to make it few day after last statement cycle)One thing i know from my cash advance is the cash advance is counted towards the spending used to waived off the annual fees for the premiere cards. So, right now, every 10k i draw out from cc, i saved 500 in fees + interest 18%. |
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Jul 17 2019, 12:59 PM
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#87
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(Tigerr @ Jul 17 2019, 12:42 PM) Today 0.2% cb is bad for u. Tomorrow probably 0.2% is best in the market.   but not so soon yet i think..... |
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Jul 18 2019, 08:57 AM
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#88
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(jefftan4888 @ Jul 18 2019, 08:53 AM) Go to CIMB ATM & let the card eaten by machine. Report CS & tell them this is not your fault. Get the replacement free. good idea but takes time for new card replacement |
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Jul 19 2019, 07:47 AM
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#89
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(whycanot323 @ Jul 18 2019, 11:46 PM) hi guys, so Maybank stated that no more ewallet for earn cb or tp.... is BP included as ewallet.....? yes BP is currently considered as e-wallet but with an physical card |
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Jul 24 2019, 11:31 PM
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#90
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(PokemonManiac @ Jul 24 2019, 09:09 AM) Im a 2 weeks old Bigpay user. Do anyone have unrecorded bigpoint even though it already shown in the transaction page? QUOTE(TongCN @ Jul 24 2019, 09:25 AM) Check the status whether it is unsettle or settled Unsettled - no points will be given Yet . QUOTE(PokemonManiac @ Jul 24 2019, 11:09 AM) It shows settled. but the point didnt seems to update to the total points there. this happened after i sync bigpay with big loyalty account. i am specially go to calculate all the point earned and the total point is somehow lower than the allocated point. but well i dont care much just let it be. not my main concern |
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Jul 26 2019, 11:31 PM
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#91
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(tan_aniki @ Jul 26 2019, 08:37 PM) BigpayJonathan seems nice but..... only for wave transactionshttps://ringgitplus.com/en/blog/Credit-Card...ansactions.html please ask your boss come out with physical topup terminal with contactless payment, i'm sure that terminal sure human mountain human sea everyday |
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Aug 4 2019, 09:25 PM
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#92
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(eddievh @ Aug 4 2019, 05:04 PM) Big Pay sifu, let say pass midnight or wee hour got unauthorized transaction notification what shall we do? BP got no 24h call centre to call one right? Live chat also not yet start. Just press freeze card is it? the freeze card feature mainly was for this purpose isn't it? |
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Aug 9 2019, 02:53 PM
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#93
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(ben_ang @ Aug 9 2019, 11:21 AM) wonder how this works? consolidate all e wallet into 1 duitnow? but each e wallet have their actually the concept is quite similar to our credit card ecosystem right now.own system.. how they handle reload/cashback/rewards/terminals n things.. really interest to see how our future cashless society will become.  so future it either the ewallet side would auto forward the payment to the right acquire or with an help of middle man organization (such as Visa/MasterCard and most probably it would be Paynet) |
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Aug 21 2019, 03:36 PM
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#94
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(mamamia @ Aug 21 2019, 03:04 PM) More bigpoints effective 1 sep no more point for topup mean for those mainly go for withdrawal earn less[attachmentid=10302888] QUOTE(#Victor @ Aug 21 2019, 03:07 PM) yay or nay? looks like top up no longer get BIG Points. mean lesser withdrawal in future maybe? QUOTE(peigeng @ Aug 21 2019, 03:28 PM) U think it is useless but I am sure many of us here will get something out of it. yup it depend on how other utilize it |
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Aug 21 2019, 03:56 PM
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#95
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(Ramjade @ Aug 21 2019, 03:54 PM) If I don't travel? Then Airasia points is useless for me right??? useful or useless it depend on how you define and use it.u probably can use the point to help other buy air ticket and charge accordingly? and the answer would be useful right? |
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Aug 23 2019, 02:28 PM
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#96
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(tan_aniki @ Aug 23 2019, 02:09 PM) yes, only for those who are really spending rather than just withdraw yes point earning wise it's better but it still depend how people use whether go for withdraw or spend itgood move as average that's almost 43% increase in terms of overall RM100 reload and spend get 7 Big points vs 10 Big points after 1st Sep |
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Aug 30 2019, 11:15 PM
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#97
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Junior Member
324 posts Joined: Apr 2019
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QUOTE(sms2u @ Aug 29 2019, 04:55 PM) it seem good to have this. But very very disappointed when look at the rate 1,250 BIG points to 600 Mesra Points 2,000 Mesra Points to 500 BIG Points QUOTE(yhtan @ Aug 30 2019, 12:38 PM) The rate is pathetic low, each point for both side is equivalent to 1 cent. The only positive side is Mesra card can be easily redeemable at Petronas station while Bigpoint usable mainly on airasia flight. the issue is the conversion rate......let's say you just make a whole circle of conversion from Big Point to Mesra then back to Big Point. u lost more than 50% of the point |
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