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

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fruitie
post Nov 3 2018, 07:37 PM

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QUOTE(lilsunflower @ Nov 3 2018, 07:04 PM)
Thank you! It worked!!  The number I originally call left me on hold for more than 10 minutes... so I gave up and used your number.  Instantly got to CS, and my issue was dealt with in 5 minutes.

I called re SST rebates for my principal PBB VS and 9 supps.  CS said they will confirm whether all the cards met the spending conditions, and if so, they can process the rebate.  Will update when this happens.  Annual spending for each card is RM633.25 x 12 hehehe.

Hope I can save my RM25 x 10!
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9 supps. Sis, you are truly a champion. notworthy.gif

I haven't registered any supp yet because I feel it's inconvenient to register for their PBe. I supposed I wil need a separate billing and PBe for them to enjoy separate cash back quota right? After I faced issue with PBe, I'm thinking twice if I should supp cards to my parents..
fruitie
post Nov 3 2018, 08:09 PM

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QUOTE(cybpsych @ Nov 3 2018, 07:59 PM)
the 8118, always the best for me. never had unnecessary call waiting, straight to CS smile.gif
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Yes, agreed. That's the no. I called since the day I applied for PBB. It works all the time. biggrin.gif
fruitie
post Nov 3 2018, 08:44 PM

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QUOTE(lilsunflower @ Nov 3 2018, 08:40 PM)
You need separate statement, but not necessarily PBE (if they don't need it). You / they will not be able to see their transactions until they show up on statement, but you / they can call CS to enquire. As such, I allowed only RM2k CL for each card, and set all statements to be sent to MY email address. You can add them as "favourite cards" on your PBE for payment, but the system kinda sucks... Have to enter PAC each time and you can't view their outstanding amount.

For my dependents (i.e. those that I pay the bills for), I didn't bother with PBe. My husband and those who settle their own bills have their own PBE, and statements are sent to them.
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Oh I see. Yes, they don't need PBe. I will look into supp cards then. May I know if I should request for separate statement upon application or after it's approved? Thanks. notworthy.gif
fruitie
post Nov 4 2018, 11:59 AM

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QUOTE(kart @ Nov 4 2018, 05:22 AM)
You need to choose separate statement, when you fill up the supplementary application form.

If I am not mistaken, other cardholders who did not opt for separate statement upon application need to terminate their supplementary credit cards (which default to combined statements), and obtain new supplementary credit cards. Upon the issuance of the supplementary credit cards, you cannot change from combined statements to separate statements.

So, after getting your supplementary credit cards, call Public Bank CS to confirm that separate statements are indeed selected for your supplementary credit cards. Then, you will have peace of mind during spending with your supplementary credit cards, knowing that separate cashback is given. smile.gif
*
Thanks for the tips. I will take note of it when I apply for supp.
fruitie
post Nov 4 2018, 03:27 PM

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QUOTE(propusers @ Nov 4 2018, 03:03 PM)
hi fruitie, the new card is sent to you via snail mail or courier service?
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Mail drop using courier service though.
fruitie
post Nov 4 2018, 05:05 PM

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I just got my first statement but something seems not right for my QMC. It shares the same statement date as my VS which is 3rd every month but I only got statement and cash back for VS. However, there's no statement generated for my QMC despite my transactions were posted before 3rd Nov.

What's happening? Should I wait longer for QMC statement? All my transactions are still under "unbilled transactions".

Another question if 3rd Nov is the statement date means I can spend from 3rd (this month) to 2nd (next month), correct? Suddenly confused pulak. laugh.gif
fruitie
post Nov 4 2018, 05:14 PM

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QUOTE(David83 @ Nov 4 2018, 05:10 PM)
When you get your Quantum?

I think cybpsych can explain the situation to you.
Probably your 1st statement is not ready for QMC.
cybpsych can also teach you how to claim the back-date shared cash back quota for your QMC.
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I activated the card on 30.10 and spent right away, transaction was posted on 31.10.

OK, then I will wait for his advice. That means I have another free month interest for QMC? tongue.gif
fruitie
post Nov 4 2018, 05:55 PM

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QUOTE(cybpsych @ Nov 4 2018, 05:39 PM)
yes, another free month  biggrin.gif

but....

your 1st statement & cashback would only be credited @ 3 Dec.

30 Oct - 3 Nov = not statement-ed hence no cashback cuz partial statement cycle
4 Nov - 3 Dec = max cashback rm30

on 4 Dec, once 3 Dec statement generated, you'd need to file for dispute to PBB for period between 30 Oct - 3 Nov. PBB would get approval to manually credit back the cb for partial cycle.

email CS now would not yield any action because they'd ask you to wait until 3 Dec statement then only they recalculate the cb differences. reason is to prevent you making false claims <-- cuz you havent "earned" cb from 4 Nov - 3 Dec period yet.

put some stressors in the email content: PBB not honor cb by statement cycle (put screenshot from website), PBB billing system doesnt generate statement for partial-cycle, etc

from my experiences, pbb is aware of this billing quirk for partial statement cycle.
fyi, my two QMC supp was claimed back successfully biggrin.gif
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Thanks for the clarification. I don't mind waiting so long it can be fixed.
Now I also understand my spending period is from 4th to 3rd and not 3rd to 2nd. tongue.gif

I will do so in next month then. Got my first RM 38 cash back via VS. laugh.gif
fruitie
post Nov 4 2018, 06:15 PM

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QUOTE(cybpsych @ Nov 4 2018, 06:05 PM)
yeah, you're lucky your VS got statement-ed because your card was approved somewhere @ 8 Oct, hence 1st statement @ 3 Nov is >21 days.

your QMC was approved later in Oct, so the gap is <21 days to the "supposed" 3 Nov statement, thus it's considered partial cycle and skipped.
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Yeah, I didn't know about this partial statement thingy. I activated my VS on 11th Oct, started spending on 15th, luckily still got cash back. sweat.gif
fruitie
post Nov 5 2018, 12:33 AM

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It's slow but working though.
fruitie
post Nov 5 2018, 01:35 AM

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QUOTE(OPT @ Nov 5 2018, 12:34 AM)
And I thought you’re not interested in this campaign?
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I don't recall I said that. hmm.gif
I will only participate based on my cash back allocation, that means within RM 635+600 per month. So I'm not hardcore la and will not participate every week. I don't sleep early, so I spend before I sleep better than waking up early which I can't make it. laugh.gif
fruitie
post Nov 5 2018, 09:19 AM

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QUOTE(coo|dude @ Nov 5 2018, 09:13 AM)
What happened? The funds get depleted by 10AM Mondays now?? .......
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Apparently yes. By the time I wake up (around now), already almost depleted. laugh.gif Last midnight for me was smooth, not even a failure. biggrin.gif
fruitie
post Nov 5 2018, 05:02 PM

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QUOTE(devildevil87 @ Nov 5 2018, 04:56 PM)
[attachmentid=10096710]

When ur banker crazy to help u apply all at same time~
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But with your consent right?
fruitie
post Nov 6 2018, 12:17 PM

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QUOTE(devildevil87 @ Nov 6 2018, 10:11 AM)
The banker got tell me when I apply my loan.
MAY BE WILL Get 2 CC card due to housing loan with them.
Another 2 CC card is for opening bank account and save a xxx amount of money.
At first,she said maybe you not get it maybe will got .
Mana tahu all approve bangwall.gif
I cancel the extra 2 cc which came along with housing loan,left quantum & debit card ONLY.
The banker who pass the cc to me also shock see so many cc at the same time doh.gif 
I also shock during that time~
*
Well, if you are not interested should stop them from applying. Luckily you have cs cancelled almost all.
fruitie
post Nov 12 2018, 03:04 PM

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QUOTE(yusiang @ Nov 12 2018, 02:57 PM)
Just to confirm, W15 should be looking at transactions on 29-Oct, right?
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Week 15 is 8th Oct..
fruitie
post Nov 19 2018, 01:19 AM

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QUOTE(applesmiley @ Nov 19 2018, 12:59 AM)
Yeah, I was facing the same problem earlier too but I am using Digi.
Every week have new issues.
*
No issue with Digi about half an hour ago.
fruitie
post Nov 20 2018, 11:42 AM

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QUOTE(AskarPerang @ Nov 20 2018, 09:50 AM)
Sorry but I don't comprehend.
How to add new CC using PBe? I mean where do I navigate to.
Pbe -> Account -> PB Card

Got 3 option shown:
Credit card summary
Cancel card
Create card pin

I assume under: create card pin?
But unfortunately my newly received cc is not shown there.
Or in another meaning the cc is not link to my account yet? And I need to visit any PBB branch to sort out?

p/s: happen to MBB. happen to PBB. not my day it seems.
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Walk in to branch is the easiest for PBB case.
fruitie
post Nov 23 2018, 09:08 PM

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Got my first RM 50 campaign cash back. laugh.gif

First transaction 8.01 a.m., last transaction 8.12 a.m.
fruitie
post Nov 24 2018, 07:12 PM

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QUOTE(samuraix79 @ Nov 24 2018, 04:37 PM)
Ah got my service tax reversed d. CS told me as long spend RM600 within 60 days
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New cardholder? I assume not. hmm.gif

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