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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 1 2018, 03:07 PM

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QUOTE(hebe87 @ Oct 1 2018, 02:49 PM)
all 8 transactions were performed by principal card?

for me
week 6 - all 8 transactions by supp card, RM0 cash back
week 7 - 3 transactions by principal card, 5 transactions by supp card, RM15 cash back.

therefore, to me it seems that PBB din take the supp transaction in (unlike week 1 to week 5)
i called CS, they start talking it is FCFS, cash back pool finish early la. blablabla... i told them i have the  SMS OTP screenshot showing transaction time and requested them to escalate this issue to their officer and check.
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I always have at least 3 transactions using the most principal card (ie the card used for SMS registration). I had 3 transactions between 5am-6am, but I didn't get any cashback! So FCFS is now defective for W7.

I will send an email to card centre urging them to improve the process (maybe no second audit for W6-7). Otherwise this FCFS game will be like a lucky draw, and more and more people will feel upset in coming weeks.


ClarenceT
post Oct 1 2018, 05:17 PM

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QUOTE(pvateme @ Oct 1 2018, 05:04 PM)
my failure rate seems very high on week 6 onwards. get full cb for all previous weeks.
week 6 - 0
week 7 - 50
week 8 - 0
week 9 -0
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QUOTE(jkngo2003 @ Oct 1 2018, 05:08 PM)
me all zero all. all done using shopee and done before 9.30am
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week 6 - 50
week 7 - 0
week 8 - 0
week 9 - 50

All completed before 7am Monday. rclxub.gif
ClarenceT
post Oct 1 2018, 05:31 PM

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QUOTE(ckweng @ Oct 1 2018, 05:27 PM)
Those who didn't get cashback for early enough transactions....are you all going to send email to appeal?
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According to T&C, no appeal will be entertained.
I will email them urging PB Card Centre to improve the process as it is now not FCFS, unless BigPay used another MCC in the early morning or PB moved to another time zone.

This post has been edited by ClarenceT: Oct 1 2018, 05:31 PM
ClarenceT
post Oct 1 2018, 05:59 PM

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QUOTE(jiaen0509 @ Oct 1 2018, 05:56 PM)
Can I know what is the best time to swipe?
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No longer FCFS.
Lucky draw, no best time.
ClarenceT
post Oct 1 2018, 06:14 PM

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QUOTE(lilsunflower @ Oct 1 2018, 06:08 PM)
This is getting really really strange.  For those who DID NOT get cashback, do you mind sharing your transaction type, dates and time?

I DID get cashback for all the weeks to date, and my transactions were ALL BP, all about 7am to 9am on Monday, and across principals and supplementary for VS and QM.

Maybe if we get enough data we can see a trend, rather than right now it looks like half of us got, half of us didn't....
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All Bigpay, 5am-7am. Half got full - half nothing (did not get RM15/25 as well).
ClarenceT
post Oct 1 2018, 06:43 PM

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QUOTE(alexanderclz @ Oct 1 2018, 06:38 PM)
looks like transactions before 8am will not get it?
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Sometimes black-out? PB lost some records or another MCC existed for BP or Split payments (not consistent among the officers )
ClarenceT
post Oct 1 2018, 06:57 PM

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There must be a reason that "(DGP)" disappeared since Wk5 and long delay to release CB for Wk6 onwards.

ClarenceT
post Oct 1 2018, 07:55 PM

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Ghost month. The tracking system got haunted. Didn't gain RM100. confused.gif
ClarenceT
post Oct 2 2018, 06:32 AM

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Effective 1/4/2019, Service fee for CC and loan repayments using Cash and Cheque.

Over the counter - RM2.00
Cash Deposit Machine, Cash Recycling Machine , Cheque Depost Machine - RM0.50

https://www.pbebank.com/Announcements.aspx?qid=2657#q2657


ClarenceT
post Oct 2 2018, 09:22 AM

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QUOTE(pvateme @ Oct 2 2018, 09:13 AM)
called them ytd for week8, and CS returned called saying that my last tx was captured at 10+pm, but in fact, i did them around 12am+. so he asked me to send email with OTP as proof. Guess, have to wait few days for the checking. I emailed them the screen capture of my transactions with card number as well, for both week8 and 9. I have few cards, just to make sure they know where to check my tx.
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Worse. Raw data was modified!


ClarenceT
post Oct 2 2018, 10:12 AM

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QUOTE(beLIEve @ Oct 2 2018, 10:06 AM)
hehe. Hadn't you guys notice? Banks are fast in taking your money but slow in giving you money. They don't need this long to charge you SST. I'm referring to every bank, not Public Bank. When it comes to cash back and goodies, you slow slow wait la.
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Not an issue. Quite common I wait 3-9 months for the rebates/prizes. PB can give in less than 2 months, I appreciate.
ClarenceT
post Oct 2 2018, 10:32 AM

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QUOTE(janson_kaniaz @ Oct 2 2018, 10:28 AM)
Don’t you think this might involve BP as well?
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Different from Payonline, which is charged a few hours after OTP.
I did check "Authorised Charge", no delay for BP.
ClarenceT
post Oct 2 2018, 10:47 AM

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QUOTE(beLIEve @ Oct 2 2018, 10:37 AM)
wahhhh so long?

Ummm yeah, Public Bank considered more efficient than a lot of other banks already. But of course, they could've been as efficient in giving vs billing for SST smile.gif
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SST billing is automatic, depend on how the bankers programme it. Banks system and Customs' guidelines are not fully "compatible" so the confusion happened during this transition period.

Campaign cashback/prize is by mechanism, usually handled by human with the assistance of software especially MS-Excel and subject to audit/checking. If FCFS, consistency is crucial.

They are 2 different things. Don't compare Apple vs Orange.

ClarenceT
post Oct 2 2018, 01:38 PM

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QUOTE(MikeLeo @ Oct 2 2018, 01:36 PM)
Have anyone tried quantum card for cash back for insurance premium payment?

Which card work master, visa or none?
Auto debit or manual?
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Quantum MasterCard for Online transaction (with OTP).
No cash back for Direct debit transactions.
ClarenceT
post Oct 3 2018, 07:48 AM

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QUOTE(MGM @ Oct 3 2018, 06:09 AM)
Precisely.
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Even I didn't get CB for W7&8 (my tx completed by 8am) I won't complain or appeal, just send an email to inform PB Card Centre the process was defective and ask them to check properly in future.

But I agree Bigpay shall be excluded from next game, as it is not really fair to the real spenders.
ClarenceT
post Oct 3 2018, 09:37 AM

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QUOTE(LostAndFound @ Oct 3 2018, 09:22 AM)
And those who swipe RM50xN times for paying bills in previous promo are 'real spenders' eh?

PBB objective is for people to use their cards a lot. As long as people are doing that, objective achieved. Unless people reloading BigPay somehow reduces the total amount spent by their customers (unlikely, since what I see is that most reloading BigPay here are swiping MORE than what they would normally swipe, and it doesn't seem that this would affect other customers who aren't reloading BigPay).
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It already/will stop some people (including myself) doing shopping at 9am/10am or Monday evening (transactions at physical stores).
ClarenceT
post Oct 3 2018, 10:18 AM

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QUOTE(joeaverage @ Oct 3 2018, 09:59 AM)
From PBB's point of view - it makes no difference whether someone is topping up into another card/e-wallet or purchasing something.. what PBB sees would be that there is transaction and that come due date, the amount due under the monthly statement needs to be paid. whether this is paid after withdrawing cash from another card/e-wallet.. why will PBB care?
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No difference, PB still get around 0.5% for each CC transactions.
PBB will care their Deposit and CC business being challenged by Fin-tech (e-money/-wallet etc).

ClarenceT
post Oct 4 2018, 06:10 AM

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QUOTE(beLIEve @ Oct 3 2018, 10:15 PM)
So far I see banks are starting to charge for credit cards and loan repayments only. Not savings.

CIMB starts charging for card in Dec, though I'm not aware of any charges if you bank in money into savings. RHB already started, in July if I don't have a memory leak. Interesting, I just saw CIMB's site saying no charges if pay using ATM machines (https://www.cimbislamic.com.my/content/cimbconsumerislamic/en/personal/press-releases/promotions/general/cimb-epayment-campaign-2018.html).

One thing for sure, people not senior enough for the waiver and not computer literate are having a hard time. Money made can be used to finance better cash back though smile.gif

Oh yeah, I'm already enjoying the free Instant Transfer. I hope the freebie will last.
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Most of the ATMs, CDMs and physical branches will go disappeared by 2025(-2030), as well as PB VS and Quantum CCs and cash-back schemes.

It will be more convenience to get cash from the cashiers at the supermarkets. Banks will save cost to maintain ATMs, CDMs and human to transport cash.

ClarenceT
post Oct 4 2018, 06:14 AM

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QUOTE(christcwl9 @ Oct 3 2018, 10:28 PM)
You guys mean service charge will be imposed even if we deposit our hard earned money into our savings account through CDM ?! Seriously? Or it is just for paying of credit card via CDM ??
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2019 - Service charge on loan/CC repayments
2021~2025: - you need to pay for using bank facilities, including deposit cash to your CASA
2025~2030 - CDM/ATM will be dinosaurs
ClarenceT
post Oct 4 2018, 10:33 AM

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QUOTE(beLIEve @ Oct 4 2018, 10:28 AM)
Haha. Good business model. If major crisis hit, like the 2008 financial crisis, all is welcome to deposit money. No need pay.
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Banks can sell/transfer loan accounts anytime to another party. Borrowers still need to pay if the bank is "killed".

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