Haha. Good business model. If major crisis hit, like the 2008 financial crisis, all is welcome to deposit money. No need pay.

sorry bro. to be precise, no need pay a fee to deposit money. not no need pay loans.

I thought visa say won't double charge?

I also don't like the wave but credit card cannot disable. Only debit card can. It is not about rejecting technology. If it is so reliable, they should give full indemnity instead of conditional. Simple as that.

Congratulations bro! Now we wait for tutti fruittie's turn

Don't bother with the E-SI. Goto nearest branch and sign up for automagic fund transfer. Pay $10 stamping, SMS to participate https://www.pbebank.com/Personal-Banking/Pr...d-Transfer.aspx, spend $88 within 1 moon and get $88 voucher.

The automagic fund transfer allows 2 cards only though but it allows full amount. You can ask them about the third though I wouldn't want to pay an additional $10 for the 3rd card.

Update : I looked at it and E-SI seems like a one-off payment that you can schedule some time in the future. It's not for recurring payments.

This post has been edited by beLIEve: Oct 5 2018, 01:49 AM

Try apply with EPF statement

Was just testing my Maybank2me cards and there is a warning that says "Please ensure you have received physical card before proceed for Set PIN". Just testing only, didn't activate. I'm listening to your good sincere advice.

Don't feel bad. Different people have different experience with different banks. Yours was good with HSBC, mine wasn't.

You're very generous. I normally have problems with banks only when they ask for docs beyond what is stated in their forms And yes, I've already read that banks need a lot of verification because credit cards are unsecured credit. I still think that the application form is a legal document and they should state their requirements clearly. Most of the time, people who takes your submission ask for more supporting docs so that people who processes it won't ask for it. It also means that they don't know if these are really required. Public Bank is good (to me) - their form stated A or B or C, I gave them A and they never ask for B and C.

cannot loh. want to potong the cards?

I've read some banks allow using FD as collateral. I just don't remember which bank. Use that as collateral then don't need any docs.

I understand. There are also some figure that I prefer can be reduced beyond what they allow. But no, I guess they don't want that.

This post has been edited by beLIEve: Oct 5 2018, 01:48 PM

That's why loh. I think when majority of the winners are BP, bank might do something. Their intention is to make people spend, not transfer money. Genuine spending gets bupkis now.

Haha yes but of course. Spend money only can make money. Transfer money difficult to make. One of these weeks they will see all winners are doing BP transactions.

The trend is abnormal. How likely is (1)the same (2)multiple people spending (3)exactly 8x of (4)$60+ on the (5)same merchant (6)every Monday?

Yes, I agree they don't care what happens to BP. Spending from PBB yes, but all at around $60? That's minimum spending, less opportunity to make more money loh.

It's not impossible that some BP users overspend. But a genuine overspend trend is different. So it's whether Public Bank wants to care and do something or just let it be. What I think is, as long as no one outside BP complains, they will close an eye. It's our culture. All it takes is 1 customer who feels cheated and stumbles into this forum to lodge a complaint. The higher the level, the more visible.

This post has been edited by beLIEve: Oct 7 2018, 07:56 PM

While stock lasts

if you're sure your anniversary moon is Aug, you can complain to higher levels. Your luck is only not as good when the people above disagree.

You should receive an automagic SMS with the voucher code after your statement that shows both cards have $150 spent.

Hmmm then your case is unique that your anniversary is Aug but only billed in Sept. Maybe they only bill you 1 moon later to ensure you are not cancelling your card in Aug. So I think you should check when exactly you got your card just to be sure.

If I don't have memory leak, SST is charged on card anniversary. To me, it doesn't mean you are subjected to SST when they bill you late. To the bank, maybe yes. Probably they'll end up subsidizing you.

Ooops. Mine's Shoppee.

A day after statement that shows 2x150 has been spent.

Assuming that you guys have sent the SMS to pick your gift (trolley or shoppee).....

Don't forget to whack https://www.pbebank.com/Personal-Banking/Pr...d-Transfer.aspx as well