This is AirAsia....you will receive the same difficulty trying to sort out issues with AA....

I would say, par for the AA group....

Someone mentioned using bp to pay LHDN bills.... doesn't that attract 0.8% surcharge?.....

Not if it's points from cc for air miles redemption....

It looks like there are plenty of problems with the BP system, as well as the app....not uncommon to have updated apps crash....

Yet plenty of people willing to stick on.....

So obviously there is enough $$$ advantage with the BP system for people to accept some pain....lol

Which makes me wonder....how is bp monetising this?....are they making any money?.....

Not banks but ATM in combis..... convenience stores....appears 7-11 stores machines give the best rates.....

Not necessarily....as long as you travel, you will have use for miles....

The choice then is between paying cash for y.....or paying less cash plus miles for j....that's why people collect miles....

The reality is, almost nobody actually pay their own money for j....90% of j passengers are on business expense or redemption tickets....

So yes, it's a theoretical advantage.....the "value" isn't real unless you actually will pay cash for the ticket....

But the j experience IS REAL....lol

This post has been edited by limeuu: Apr 1 2019, 09:48 AM

Doing the "recycle funds" game...like many here....

Of course....this game is best played if the limit is high, to reduce the RM6 charges.....

they started like airasia....charge for everything....

but suspended most of the charges to expand the customer base....

don't see how these suspended fees can be re-enforced, without losing a significant part of the client base....

it's a preloaded card, not a credit card, so cannot charge like cc cash withdrawal where basically you borrow money....here you are just trying to access you own money....

They have the right to do anything....we have the right to cut too....so like all businesses, you decide wrong, it's can mean kaput ....

Cannot...,

Don't own one....lol

BP is well positioned to jump on the "neo-bank" wave, as it already has a presence among the early adopters of fintech (aka forumers in this channel)....

There are already 3 virtual banks in Australia, including insurer ING....and they attract customers by their lower costs and loan interest rates....

Whether it will take off, depends on how much cheaper they can be compared to brick and mortar banks....

Just like BP preloaded MC works out more advantageous to users....how many of you will use it if it's the same as standard bank cc?

Will you move from a 4.5% housing loan to a 4.3% neo-bank loan? 4.1%?

Nothing will stay constant.....the only constant is that change will happen all the time....

Yes can't load up the app this morning....

Arrived yesterday, after application last Saturday. Giving it a try, although such frequent disruptions makes it not useful...

I see it as only useful for domestic transactions otherwise not attracting any treatspoints, and as store of funds needed otherwise to fulfill af waiver conditions.....

Foreign transactions, better still use vi for 5 points.....

This post has been edited by limeuu: Apr 4 2019, 09:36 AM

Don't have muvi....need to do a complete switch, including cancelling vi, convert all points, and redo all autopayments....will only consider near anniversary date.....

You will have to calculate if the extra 3 points is worth more than the extra exchange charges.....I think the points are worth more.....

But if you have muvi and can get 5 points, then if course bp is the better option for foreign transactions....

Your cousin indeterminate gender?....lol

Why want so many cards?....

The obvious advantage, if possible is to use amex to top up BP and get 5 points, and then use BP to pay foreign purchases, with the lowest exchange charges....

Failing which, then use the muvi on match days, and hope for a win to get the 5 points.....

Boost doesn't come into the picture at all, as it cannot be used for foreign purchases.....

I am surprised ATMs swallow cards..... normally it will just spit it out if there is any problems....the only time it will retain cards is if there is suspected fraud, which usually means keying the wrong pin a few times.....