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Credit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back

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ClarenceT
post Oct 19 2018, 09:44 AM

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QUOTE(jkngo2003 @ Oct 19 2018, 09:03 AM)
thanz for your all notice. have to ask my wife the terminate it asap. later sure screwed by her
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Don't worry lah. Card number is meaningless.

VS 4386-6800-ABCD-E10X
ABCDE is the running number, X is the checksum code.
VS: A - new card member should reach 5 now.

same for Quantum Visa/MC
QV: A - new card member should reach 4 now.
QM: A - new card member should reach 6 now.

devil.gif
ClarenceT
post Oct 19 2018, 04:53 PM

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QUOTE(Barricade @ Oct 19 2018, 01:27 PM)
Any e-wallet besides BP to take advantage of weekly RM50 cashback?
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Forget the e-wallets. Spend at Payonline, Shopee, petrol.

If you insist on e-wallet, try the following 36 E-money Issuers (regulated by BNM).

AEON Credit Services (M) Berhad
Alipay Malaysia Sdn Bhd (formerly known as helloPay Malaysia Sdn Bhd)
Axiata Digital eCode Sdn. Bhd.
Bandar Utama City Centre Sdn. Bhd.
BigPay Malaysia Sdn. Bhd.
Celcom eCommerce Sdn. Bhd. (formerly known as Celcom Multimedia (Malaysia) Sdn. Bhd.)
Chevron Malaysia Limited
DIV Services Sdn Bhd (formerly known as ePetrol Services Sdn Bhd)
Fass Payment Solutions Sdn. Bhd.
Finexus Cards Sdn. Bhd. (formerly known as MAA Cards Sdn. Bhd.)
GPay Network (M) Sdn Bhd
iPay88 (M) Sdn. Bhd.
I-Serve Payment Gateway Sdn Bhd
JuruQuest Consulting Sdn. Bhd.
ManagePay Services Sdn. Bhd.
Maxis Broadband Sdn. Bhd.
Merchantrade Asia Sdn Bhd
Mobile Money International Sdn. Bhd.
MobilityOne Sdn Bhd
MOL AccessPortal Sdn. Bhd.
MRuncit Commerce Sdn. Bhd.
Numoni DFS Sdn. Bhd. (formerly known as Com2U Sdn. Bhd.)
PayPal Pte. Ltd.
Petron Fuel International Sdn. Bhd.
Presto Pay Sdn. Bhd. (formerly known as EPP Solution Sdn. Bhd.)
Raffcomm Sdn. Bhd.
Shell Malaysia Trading Sdn. Bhd.
SiliconNet Technologies Sdn. Bhd.
Silverlake Global Payments Sdn. Bhd.
SMJ Teratai Sdn Bhd
Touch 'n Go Sdn. Bhd.
TNG Digital Sdn. Bhd.
Valyou Sdn. Bhd.
Webonline Dot Com Sdn. Bhd.
WeChat Pay Malaysia Sdn. Bhd.
XOX Com Sdn. Bhd.

This post has been edited by ClarenceT: Oct 19 2018, 04:55 PM
ClarenceT
post Oct 20 2018, 06:00 PM

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QUOTE(HMMaster @ Oct 20 2018, 05:51 PM)
Existing PBe. The staff told me to add the card in the profile maintenance page in PBe, but I stuck at the part where it request for PAC. (mobile number not registered for PAC). I've no problem using OTP for online purchase though. Not sure if the OTP and PAC is the same thing or I need to register separately.

*edit* I dont have savings account with PB. Only CC.
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Open a savings account and get a Visa Debit.
ClarenceT
post Oct 20 2018, 07:37 PM

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QUOTE(cybpsych @ Oct 20 2018, 06:56 PM)
PAC is separate.

open a BSA (without fee) account. can also ignore the debit card, tell them u only do internet banking, no ATM.

they would stress to get Debit Card, but still possible not to get it.
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Why not getting the Visa Debit, can get back more than RM8 in a year!
ClarenceT
post Oct 20 2018, 10:32 PM

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QUOTE(celciuz @ Oct 20 2018, 10:20 PM)
How to cover back the RM8?
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Pay income tax.
ClarenceT
post Oct 22 2018, 09:49 AM

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QUOTE(lexanoir @ Oct 22 2018, 09:41 AM)
How did you guys manage to complete the 8x rm60 transcation contest? i can use it to reload BP for first week but not every week which will cause me have overflow BP credit thou?
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You don't do planning and budgeting?
For me, I already know what I shall do on 1/11-2/11, 15/11, 30/11, Mondays & Thursdays in November.

This post has been edited by ClarenceT: Oct 22 2018, 09:53 AM
ClarenceT
post Oct 22 2018, 10:03 AM

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QUOTE(lexanoir @ Oct 22 2018, 09:57 AM)
may i know why specify on monday and thursday?

Yes i do plan and budgetting , but usually PBB VS i only use for BP rm650 per month , utilities and bills and other stuff already planning on other bank cards
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Various credit cards, debit cards, prepaid cards and e-wallets!

For PB CC, you can have more than 1 CC under a principal user, or you can hold more than 1 CC under several principals.

This post has been edited by ClarenceT: Oct 22 2018, 10:05 AM
ClarenceT
post Oct 22 2018, 10:51 AM

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QUOTE(MGM @ Oct 22 2018, 10:48 AM)
What's on  30Nov, give a hint,?
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HLB Wise for Dec posting, I have something to settle by 30/11.
ClarenceT
post Oct 22 2018, 11:28 AM

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QUOTE(owj @ Oct 22 2018, 11:23 AM)
Thursdays got contest too?
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if you are existing RHB CC member, not for new members. tongue.gif
ClarenceT
post Oct 23 2018, 08:57 AM

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Hehe, only 9 weeks left.
ClarenceT
post Oct 23 2018, 10:22 AM

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QUOTE(beLIEve @ Oct 21 2018, 12:27 AM)
wahhh Public Bank everything got cashback. Other banks how to compete.

Edit : I think 高手 Clarence will have a formula like splitting the payment to maximize the returns.

haha

3. The following persons are excluded from participating in the campaign :-
 All Public Bank / Public Islamic Bank Credit Cardmembers;

I think Clarence or someone said before, they don't really bother with this clause.
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I just received a credit of RM28 from "Enjoy 10% Cash Back with Visa PayWave" (Game over) today and a credit of RM18 from "Get up to RM98 Cash Back for any Government Related Transaction" (Game over) on 18/10, for transactions performed in early September. The gain is more than my investment cost - Annual Fee RM8. thumbup.gif

ClarenceT
post Oct 23 2018, 10:40 AM

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QUOTE(beLIEve @ Oct 23 2018, 10:35 AM)
Haha. I didnt even notice Debit Card got promo until I see 高手s posting here. Mom has the Debit Card, that's why I'm not in a hurry tongue.gif And I want to avoid disputes also since they stated credit card holders not entitled.
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I am using my PB Credit Card (principal) and PB Debit Card to win both CC and DC promo.
ClarenceT
post Oct 23 2018, 05:18 PM

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W12 angpow credited.
ClarenceT
post Oct 23 2018, 07:58 PM

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QUOTE(Musikl @ Oct 23 2018, 07:39 PM)
Hey All,
I applied for visa sig but was regretfully been rejected.
At the same time I applied for mbb barca visa sig and that got approved, including a supplementary card. I got a few mbb cards already.
Is PB CCs difficult to get approved? I got no prior business with PB. Maybe this is the reason?
Another reason i could think of is my high dsr. Pay everything on time though.
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Lol. They are not equal.
Maybank FC Barcelona VS income requirement RM48k only.
PB VS income requirement RM80k (previously RM100k)
ClarenceT
post Oct 23 2018, 08:08 PM

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QUOTE(Musikl @ Oct 23 2018, 08:02 PM)
Yeah i know that. Requirements for that already met, >80k.
Im using that as an example for approval on cc facility.
Ahh missing alot of cb opportunities... dangg
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Try getting a Quantum first, see if you can get a credit limit of >RM20k. If yes, then try to add VS.
ClarenceT
post Oct 24 2018, 08:33 AM

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QUOTE(Leroi2x @ Oct 24 2018, 08:15 AM)
Now i having a new idea
Pledge fd 30k to get vs and qm master
What rate they will follow 1 month fd? Assume 3.2%
Then if i able to bt out 80% which is 24k out with 0%
Lets assume this 24k i use to earn a return with 2.1%
Overall the return should be similar to i put 30k to a 4.2% fd
In between i earn the card benefit and promo

But why must pledge 1st only cant apply?
Shouldn't after they allow only i go pledge
Else after i pledge they not allow ,wasted my time
And pledge fd rate follow 1 month or?
And any idea for stamp duty costing?

Am i must cancel this pledge fd card and reapply a new 1 if i wan convert it to a normal apply credit card?
Or could it be convert by request?
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Also subject to BNM's rule, CC from 2 issuers if annual income is less than RM36k.
ClarenceT
post Oct 24 2018, 09:37 AM

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QUOTE(Leroi2x @ Oct 24 2018, 09:28 AM)
I meet their income ,but thy keep reject me
Maybe i have too many cc
Share limit why nid 2 fd? Or it come with separate limit then ok
Stamp duty so expensive…0.5%?
Great , at least some1 having same idea with me
So the pledge fd will follow 1 year fd rate?
Mind to share you bt to cimb ,is a out standing there or u bt for exceed limit and ask them transfer out?
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Cut down your other CC and CL.
PBB Card Centre is very conservative till today. They don't release too many VS and Quantum cards.
They prefer you have a secured loan with them.
ClarenceT
post Oct 24 2018, 09:48 AM

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QUOTE(psiloveu @ Oct 24 2018, 09:44 AM)
According to bank officer's explanation, one FD for one type of card.

Actual % of stamp duty I m not sure, but the total fee is  about 250++ for 35K

FD pledge is monthly renewal interest rate not annually rate.
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0.5% for credit facilities, as per Stamp Duty Act 1949.
ClarenceT
post Oct 24 2018, 10:35 AM

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QUOTE(MGM @ Oct 24 2018, 10:20 AM)
Few years ago, my 1st application for VS was rejected even though my income just met the requirement, after few months there was a PBB FD promo so I transfered few hundred thousands RM to PBB's short term FD. I then applied for VS and it was approved without the need to pledge FD like what u guys did.
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QUOTE(psiloveu @ Oct 24 2018, 10:28 AM)
It is totally different scenario.....few hundred K vs 35K......PB status vs normal laugh.gif
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Every PB branch has some monthly targets to meet, CC is one of them.
The manager/officers will work hard to get the credit applications approved.
ClarenceT
post Oct 24 2018, 12:09 PM

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QUOTE(sendohz @ Oct 24 2018, 12:07 PM)
Getting earlier and earlier
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Bigpay ruins your plan?
Love BP but also hate BP.
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