original poster complained no cb using VS and QM, so another user asked to check VIP points.

if BP excluded from VS/QM's cashback eligiblity, then there will be increase in VIP points.


which is why your QV will always get VIP points because it has no cashback at the first place.

This post has been edited by cybpsych: Aug 29 2018, 05:59 PM

here's a thought: bank is assessing you alone as an individual.

even if your friend same pay as you, it doesnt mean both have the same financial scoring and assessment.

**removed, double-posted**

This post has been edited by cybpsych: Aug 29 2018, 06:16 PM

new supp card expecting 1st statement? or existing supp card?

have u seen anyone here reporting any week5 cb?

wait till 28 Sep for the "1st" statement

from my checking, any partial statement cycle <21 days will not get statement-ed. it will be temporary put on-hold until next full cycle, which in your case is 28 Sep.

cb-wise, need to file a dispute with PBB to get back the cb within the period of partial statement cycle.

CS will ask you to wait until 28 Sep statement is generated then only they recalculate the cb differences:

1) partial cycle: approval date until 28 Aug (no statement) <-- missing, to recalculate
2) full cycle: 29 Aug until 28 Sep (statement) but max cb RM30 (from approval date until 28 Sep)

post at relevant subforum or topics lor

so many in LYN

This post has been edited by cybpsych: Aug 30 2018, 03:34 PM

bump u here

yes you can pledge in FD for a cc facility. you cant use the FD (except earning meagre interest/profit) while having the cc. terminate one, terminate both facilities.


generally, bank assess you and have a risk scoring and decide how much they willing to give you the credit facility or none at all (you are too risky for them).

by pledging your own money is sort of providing guarantee to the bank, in case you default in cc with debts.

provided it doesnt get POSTED on the 5th

if the transaction/merchant is your regular place, then you'd know if they ever posted same day.

if it's a new merchant, yes, doing on the 6th is safer bet.

Updated PBB PDS: https://www.pbebank.com/pdf/Cards/pds/pds_credit_pbb.aspx

Credit Card Service Tax
With effect from 1 September 2018, there will be service tax imposed on credit card as follows:

A) RM25 per annum on the Principal Card; and
B) RM25 per annum on each Supplementary Card

The service tax will be collected on the date the card is activated, on the completion of each year
or on the date of renewal of the card. This means that the above mentioned service tax shall be
levied on new credit card issued effective from 1 September 2018. For existing credit cards issued
before 1 September 2018, the service tax shall be levied upon anniversary of card issuance.

why rip? I'd happy pay for all my cards.

statement 5th, anything posted by the 5th will be counted for CB.

depends on whether u already maxed out your CB. it not yet, no loss even if it gets posted on the 5th.

try calling CS to find out the MCC, and why not under Entertainment category (just wanna know their reasons)

can topup from bigpay too. description: TNG WALLET E-COMM

only way to be certain is asking CS:

1) MCC.
2) whether eligible for Online cashback.

if by call will take you few mins

post 4

can you stop keep asking?

not you alone is waiting for it! when it's ready, then it'll be ready and credited to us.

since this week is over holiday week, i do hope this week would get double-week cb!

read the table properly.

register 1 time is enough. subsequent weeks will be tracked automatically from the week of SMS registration.

e.g.
week1 sms registration, hence tracking will be from week1 until final week.
week6 sms registration, tracking will be from week6 until final week. spending in week1-5 will not be eligible.

pbb track by your nric, not by card.