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

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cybpsych
post Oct 24 2018, 11:09 AM

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All Stars
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// 24 OCT 24 OCT SPEND NOW 4 MORE- WK14 50.00 CR //
cybpsych
post Oct 24 2018, 11:48 AM

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All Stars
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QUOTE(celciuz @ Oct 24 2018, 11:47 AM)
Got mine as well, btw I'm curious... how do you guys find out so quickly? You check it daily... or you have some notification by SMS or so when they credit into your CC?
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check PBe
cybpsych
post Oct 24 2018, 11:55 AM

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QUOTE(celciuz @ Oct 24 2018, 11:50 AM)
thumbup.gif I'll just check this thread instead... if only the PBe app was better like MBB or HLBB...
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yep, PBe app too ancient. lazy type username/password just to check. using desktop web faster laugh.gif
cybpsych
post Oct 24 2018, 02:42 PM

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QUOTE(paogeh @ Oct 24 2018, 02:38 PM)
in the last round ....
i swipe 12.xxam .......
i didnt get , and have to appeal .... and finally got .....

that time , the conclusion is swipe after 9AM .....to avoid being captured as Sunday...

now , 12.xxam is considered OK ?
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your issue was because of shopee, right? you couldnt accept the reason of timezone difference.
cybpsych
post Oct 24 2018, 04:28 PM

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QUOTE(derick8860 @ Oct 24 2018, 04:27 PM)
What is the weekly cashback you guys discussing about? MBB got 100% cashback?
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old campaign. dont waste time.
cybpsych
post Oct 24 2018, 04:40 PM

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QUOTE(derick8860 @ Oct 24 2018, 04:36 PM)
Wah this thread people reply fast, thanks all for replying me and showing me all the references, appreciate it!

For the “Apply Now for PB Card & Take Your Choice Home Campaign”, clause no.5 stated...

5. Eligible Cardmembers without income documents who opt to participate in the campaign requires minimum Fixed Deposit pledged at RM10,000 with one (1) year tenure.

Was thinking to apply with only 3 months comm statement & income tax statement, scare cannot go through then no choice gotta pledge FD to get the barry smith.
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try the normal way of applying the cards. furnish as much as income documents as possible. give them more reasons to approve you, than doubting you.

also, there are other criteria where bank is assessing YOU, not just income alone.
cybpsych
post Oct 24 2018, 04:49 PM

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QUOTE(derick8860 @ Oct 24 2018, 04:47 PM)
Actually if I were to assess myself, I think sure can qualify no problem, but nowadays pbb do stuff very “robotic”, I can feel if they see no complete 6 months comm they will terus reject, forget about my fd, high annual income tax statement & good record of my ccriss.
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aiya, if we were to assess ourselves, we are PERFECT! biggrin.gif

just try, no harm doing it. either pledge FD if failed, or use other banks/cards.
cybpsych
post Oct 24 2018, 05:19 PM

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QUOTE(psiloveu @ Oct 23 2018, 06:23 PM)
For wk 13, i din get it as my last swipe is 10am.
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QUOTE(coolguy99 @ Oct 23 2018, 06:58 PM)
7112 23 OCT 23 OCT SPEND NOW 4 MORE- WK12 50.00 CR
7112 23 OCT 23 OCT SPEND NOW 4 MORE- WK13 50.00 CR

Yes I did all my trxs by 10am.
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psiloveu, no cb for wk13 @ 10am, last swipe. coolguy99 got it. someone reported gotten cb for wk13 @ 11am.

not sure if quota depleted or trx eligibility issue for psiloveu hmm.gif




just did some comparison for week11-14 reported timing...

user posted image

» Click to show Spoiler - click again to hide... «


This post has been edited by cybpsych: Oct 25 2018, 06:58 PM
cybpsych
post Oct 24 2018, 08:41 PM

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Huawei Mate20 Series Roadshow with PB Card [ PBB | T&Cs ]

user posted image
cybpsych
post Oct 25 2018, 07:52 AM

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QUOTE(red_scorpion @ Oct 25 2018, 01:20 AM)
sad. missed week 14 CB, swipe at 12pm..too busy at the morning that day, delayed it until 12pm but got nothing :-(
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even 11am+ is not safe rclxub.gif assuming the trend continues, subsequent weeks would face similar and worsen each week.

user posted image


try do your swipes just before your normal wakeup time for work. e.g if wakeup time is 7am, wakeup 1hr earlier to do the swipes.

or if you're a vampire, should be no issue doing swipes in wee morning laugh.gif

This post has been edited by cybpsych: Oct 25 2018, 08:54 AM
cybpsych
post Oct 25 2018, 09:39 AM

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QUOTE(alexanderclz @ Oct 25 2018, 09:38 AM)
yeah. public bank is the one giving out money, they don't gain anything from u actually.
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u have no idea his principles in dealing with banks and money.
cybpsych
post Oct 25 2018, 11:07 AM

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QUOTE(fruitie @ Oct 25 2018, 10:47 AM)
laugh.gif The way how he worded his statements as if PBB is owing him. laugh.gif
I thought we are already in banks' "Customers from Hell", I think we have found a contender here.
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still young la biggrin.gif

he has no issue earning money from banks, but strictly unacceptable for banks to impose charges to us (which was controlled and approved by BNM) laugh.gif
cybpsych
post Oct 25 2018, 11:57 AM

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QUOTE(wilson1149 @ Oct 25 2018, 11:26 AM)
Hi guys,

I get my Q dual card few days ago, try to reload on bigpay but keep stuck on payment gateway, the card no issue on other online shopping sites.
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you already shared this yesterday night. same screenshot.

up until today, same issue?


this should be in BP thread, not here.

SMS OTP trigger is from BP app -> acquirer bank -> issuer bank -> SMS OTP
cybpsych
post Oct 25 2018, 12:36 PM

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QUOTE(wilson1149 @ Oct 25 2018, 12:32 PM)
Ya same issue, few days already.

No response in BP thread  icon_question.gif
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do the usual stuffs for.

restart phone
clear cache
update app
remove reinstall latest app
etc
cybpsych
post Oct 26 2018, 09:49 AM

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QUOTE(vin_ann @ Oct 26 2018, 09:36 AM)
just checked my PBB online statement

W14 CB is in !

this is my first time got RM50! hahaha....
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since 2 days ago lor biggrin.gif
cybpsych
post Oct 26 2018, 04:01 PM

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QUOTE(sss2sssss @ Oct 26 2018, 10:25 AM)
Just got my quantum card yesterday
Was quite surprised that get approved without any calling laugh.gif
Anyway want to ask for this promotion:
https://www.pbebank.com/Personal-Banking/Pr...ditional-1.aspx

Inside mentioned that I need to swipe RM 150 per card mean for Quantum VISA and MASTER need to swipe RM 150 right? hmm.gif

Also actually for 0% installment, if let's say the merchant not offer direct installment (like lazada only offer direct installment for maybank) but I'm want to make this transaction as installment, I'm might call/ email bank for conversation right? hmm.gif
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yes, it's called Flexipay.

very good feature for PBB cards (6mth 0%) but special for Quantum with 12mth 0%.

just swipe large amount and call to convert easily, in seconds. you can even do mulitiple flexipays!

downside is, flexipay is limited to per transaction basis, not whole statement balance (which is for Balance Transfer).

This post has been edited by cybpsych: Oct 26 2018, 05:35 PM
cybpsych
post Oct 26 2018, 05:34 PM

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QUOTE(beaverknight @ Oct 26 2018, 05:32 PM)
Can you show me anywhere stating its 0% upfront flexipay for Quantum cards transaction? I only found this:

https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(5).aspx
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12mth 0% is specific to Quantum cards > https://www.pbebank.com/Personal-Banking/Ca...edit-Cards.aspx

6mth 0% is for other cards

**correction, now is 6mth only. no more 9mth which was ended 31 Dec 2017**

This post has been edited by cybpsych: Oct 26 2018, 05:36 PM
cybpsych
post Oct 26 2018, 05:42 PM

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QUOTE(beaverknight @ Oct 26 2018, 05:39 PM)
Say I've just swiped RM 3000+ for new phone with my Quantum Visa, I can now convert it to flexipay with 0% upfront and interest fees? Am I getting it right?
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yes, the RM3000+ item would be charged first.

then call CS to convert to 12mth 0% flexipay.

the RM3000+ amount would be reversed (credited of same mount), then 1st installment amount would be charged.

the installment line item will show the remaining installment count and balance $. quite useful.

QUOTE(cybpsych @ Oct 8 2016, 12:25 PM)
per transaction.

e.g. buy electrical appliances (e.g. fridge, TV, etc.) from merchant A with amount RM2k, swipe with PBB card, then after 3 days, call PBB to convert that RM2k into 9month Flexipay.

advantages: good for single large sum transaction. no additional fees. simple call-in to CS, done in 1 minute. if you have multiple flexipay done, you can also BT your upcoming statement to another card, further extending the period (e.g. BT to MBB's 12mth 0%).

disadvantages: not by statement (for this, you do BT instead), need min RM2k for 9month 0% flexipay, tricky when your purchase is near bill date (T&C: 3 days after transaction, 5 days before bill date).
here's what's shown in the statement:

user posted image


This post has been edited by cybpsych: Oct 26 2018, 05:48 PM
cybpsych
post Oct 26 2018, 10:41 PM

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QUOTE(de_ghost @ Oct 26 2018, 10:08 AM)
looks very competitive now. next few weeks i think the pool would finish by 10am lol
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i'm actually interested to hear from wk14 users who did their swipes in 10+am window, whether they gotten cb or not. biggrin.gif
cybpsych
post Oct 27 2018, 05:57 AM

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QUOTE(eddie2020 @ Oct 27 2018, 02:42 AM)
what time last swipe for those get and didnt get w14? i didnt get wk14.. not sure is it depleted as i am abit late that week
what your last swipe and did you get? cybpsych
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reported 11am window gone.

no info for 10am window.

user posted image

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