interested to know as well

Thanks bro. Let me count count later and see how much difference. Because I'm just thinking from the principal amount perspective. Like you do 12k BT for 1 year. First month have to pay 1k already but interest still 4%. So we're actually "losing" interest more than 4%.

I think Aliexpress not consider local since the company is overseas and in USD. Anyway i tried with Aliexpress, get my 5% with QMC

Ok, it's a system generated thing from installments that i have right now (11street + Balance transfer)

Which tie to the remaining amount.

Not sure why now appear, few days ago it still RM0.00

This is scary. The other day someone in HSBC subforum also got charged for Google something. MYR40, not as big as this.

If I keep seeing this, think I'll just deactivate the Card-Not-Present feature and only activate when I need it.

Edit : Drafting response before your response came in, so didn't see.

This post has been edited by beLIEve: Sep 14 2018, 01:45 PM

Check my reply above

Not a fraud case for me after verify

err yeah yeah, i was drafting, so didnt see your response

And that's a relief.

This post has been edited by beLIEve: Sep 14 2018, 01:50 PM

Hi guys, my pbb quantum cards are not showing on my pbe, anyone face this problem before?

post more details later

new card?

tried PBe?

follow this method here or here.

if still fail, last resort is to visit branch

ya new card
i cant access to the add card tab, yea need to visit to a branch, so troublesome

This post has been edited by IAmLejen: Sep 14 2018, 05:23 PM

add card from manage profile page?

can already bro, thanks!

thanks to mamamia for the tips

Just now around 4pm I also notice got weird authorize charges 1.3k+, I confirm is not any installment or BT, but I guess must be some backend system recon etc. Then after reading ur post, I check again, luckily the weird authorize charges gone. Otherwise, I might need to call CS.


Sharing is caring..

This is my calculation. Please correct me if I'm wrong.

RM37200 / 36 = RM1033.33333333
FD multiplier @ 4.3% per annum = 1+[0.043/12] = 1.003583333 (assume banks accept 1k for the 4.x% promo and pay interest on a monthly basis)
Number of months = 36, 35, 34, ..., 2, 1

Month 1 = 1033.3333333 x 1.003583333^36 = RM1175.34
Month 2 = 1033.3333333 x 1.003583333^35 = RM1171.14
Month 3 = 1033.3333333 x 1.003583333^34 = RM1166.96
.....
Month 35 = 1033.3333333 x 1.003583333^2 = RM1040.75
Month 36 = 1033.3333333 x 1.003583333^1 = RM1037.04

Total I get is : RM39772.36 from placing 1033.3333 into 4.3% FD (in theory. I know minimum deposit is normally 10k) every month for 36 months. Extra 2.5k.

At the end of the day, I think banks would cash in the fat interest when people miss out some payments.

This post has been edited by beLIEve: Sep 15 2018, 02:03 AM

website down?

Or assume I'm the bank and I have 10 of such customers. I just round up the phone price for easier calculation.

I invest 10 x (30000+3600) = 336000

If put into FD of another bank for 3 years, I get : 336000 x (1.043^3) = 381234.
If I do this promo, I get : RM397723.60


For simplicity, I don't count the interest some banks are paying on a monthly basis that can be used to generate more $.

Even if my calculation is wrong, I think you and other experts should get my point. For the first installment, you're already paying the entire year's interest despite loaning the money for 1 month, and so on.

I'm sure banks have some warez to calculate this instead of cracking their heads like me. Perhaps it's as simple as https://loanstreet.com.my/calculator/calcul...ective_interest ?

Monthly Installment Amount RM 1,033.33
Total Payment RM 37,200.00
Effective Interest Rate p.a. 14.55 %

This post has been edited by beLIEve: Sep 15 2018, 02:36 AM

Down for 1+ hours loh

NICSMAN 1940S BY LEWRE at Starling Mall entitled for CB for Quantum Master

May I know which week that you guy already got for the Cash Back Campaign until today? Thanks