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

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tan_aniki
post Oct 21 2018, 09:50 PM

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QUOTE(chonghe @ Oct 21 2018, 09:46 PM)
Ya I read a few times before boost is under direct marketing

Why you think bp will have problem? I haven't got bp
Reload problem for some time
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last weeks got problem in the morning and i reload on digi instead of BP
but now digi too many money inside, so want to try for boost in case happen again in the early morning
else i got no time to reload after 6am cos need to work at offshore
tan_aniki
post Oct 22 2018, 04:25 AM

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QUOTE(Barricade @ Oct 22 2018, 12:33 AM)
My BP maxed out cannot reload using CC anymore. Boost also cannot. Any other way besides BP that can reload and cash out and yet entitle for weekly cashback?
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try paying telco such as digi umobile etc

QUOTE(beLIEve @ Oct 22 2018, 01:44 AM)
eh "reload" digi or other telcos can ah? As in, multiple of 60s? They don't treat as split transaction?

Can I also know if you managed to get the cash back from the default monthly cash back of $30 (Quantum MC) or $38 (Visa Signature) along with this promo? Or have to spend/reload separately in addition to the amount for the monthly $30/$38? I am not sure if the monthly cash back is considered "other on-going cash back promotion" in "excludes the transactions that earn Cash Back under other on-going Cash Back promotion"
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yes can, telco not fall under utilities but unifi mobile dunno can or not as unifi under TM and they might fall under broadband which is utilities...
multiple not equal to split transaction, you just need to make sure the transaction not fall under same minutes.
can, u can get the default monthly CB as well as those are not ongoing promotion.
tan_aniki
post Oct 23 2018, 08:01 PM

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22 OCT 22 OCT SPEND NOW 4 MORE -WK11 50.00 CR
23 OCT 23 OCT SPEND NOW 4 MORE- WK12 50.00 CR
23 OCT 23 OCT SPEND NOW 4 MORE- WK13 50.00 CR
tan_aniki
post Oct 24 2018, 12:57 PM

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24 OCT 24 OCT SPEND NOW 4 MORE- WK14 50.00 CR

As expected~
Previously Wk7~10 came in the same period, now WK11~14
tan_aniki
post Oct 29 2018, 09:18 PM

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I'm wondering the next campaign start from when...
31 Dec 2018 Monday still belong to current campaign WK26 and the next will be on 1 Jan 2019 Tue or 7 Jan 2019 Monday again?
tan_aniki
post Oct 30 2018, 09:11 AM

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QUOTE(celaw @ Oct 30 2018, 09:04 AM)
Clearly stated in T&C where Week 26 is from 24 Dec - 31 Dec (8 days).
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i already said 31 Dec 2018 is WK26, please read my question properly...
tan_aniki
post Oct 30 2018, 09:34 AM

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QUOTE(sss2sssss @ Oct 30 2018, 09:28 AM)
Ok seems yesterday the CS din do work
Today I'm called them then my transaction is successful convert
But then it's weird that why early settlement need penalty RM 100? laugh.gif
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QUOTE(alexanderclz @ Oct 30 2018, 09:30 AM)
the longer you drag, the highest chance of defaulting, the more interest they earn.
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QUOTE(sss2sssss @ Oct 30 2018, 09:32 AM)
Hmm ok but then I'm made 12 months @ 0% hmm.gif
Since mostly if I'm have extra money from my side I'll try to clear out those installment on my maybank side
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if you got the money to pay off in one shot and to avoid the early settlement fee and interest from when you forgot to pay promptly, just dump the money into the credit card
tan_aniki
post Oct 30 2018, 10:08 AM

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QUOTE(alexanderclz @ Oct 30 2018, 09:39 AM)
that defeats the purpose of installment though
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QUOTE(LostAndFound @ Oct 30 2018, 10:00 AM)
And also defeats the purpose of CREDIT card.
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i'm referring to the previous post that it might occur interest if you forgot to pay promptly
anyway the reason why they impost early settlement fee is because if you got the money to pay off, you can actually get back some interest back if you are not going for the 0% interest installment plan.
tan_aniki
post Nov 1 2018, 02:05 PM

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QUOTE(annoymous1234 @ Nov 1 2018, 01:59 PM)
Does flexipay gives cashback for every month?
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no
tan_aniki
post Nov 2 2018, 11:16 AM

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QUOTE(peri peri @ Nov 2 2018, 10:59 AM)
im very syukur already since boost accept back BP as reload card redi.
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yeah the best comeback and i'm using Boost more often~
even reloading directly with PBB credit card also no issue as they are giving out so many shake rewards~

PS: sorry reply here as i'm not going to speak at BP
tan_aniki
post Nov 3 2018, 10:17 PM

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QUOTE(kawteem @ Nov 3 2018, 09:27 PM)
So it needs just exactly RM633.25 to get full cashback? I thought it's RM633.34 all this while.
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RM633.25 X 6% = RM37.995 = RM38
if maybank would be RM37.99, they don't round the 3rd digit
tan_aniki
post Nov 9 2018, 08:57 PM

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09 NOV 09 NOV SPEND NOW 4 MORE - WK15 50.00 CR
Thanks PBB and BP~
tan_aniki
post Nov 10 2018, 06:03 PM

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just stop the speculation that PBB will ban BP from future promo.
actually they are more profittable than Bigpay with so many people topping up with BP while only small portion of users getting the CB.

tan_aniki
post Nov 12 2018, 07:05 AM

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QUOTE(MrAndyLau @ Nov 12 2018, 06:49 AM)
With regards to the "split transaction" in PB cashback 4 more campaign, a PB customer service officer notified me that:

"In the event if you have 2 or more transactions in the same day from the same merchant, you are still eligible to take part in the campaign. Kindly ensure that these transactions are not done in a short time frame (very near to one another). "

Any idea if 5 minutes is a safe time interval in order for the system not deemed as "SPLIT TRANSACTION" ??
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split transaction normally happen when you swipe your card physically, eg. a car worth RM50k and you split into 5 transactions on 5 different credit cards with RM10k each
normally bank can trace the transaction is split or not with the total value of the thing you bought.
for online purchase with OTP there won't have any chance of split transaction happening...
tan_aniki
post Nov 13 2018, 07:04 AM

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QUOTE(skty @ Nov 12 2018, 05:24 PM)
doh.gif
I read this post for many many time and yet I can't find what is your objective to post such thing here. Maybe I am stupid enough that don't get what is your objective.
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i know what he wants, scared off us to stop reloading with BP on the promo so that he can get the CB alone lol
tan_aniki
post Nov 17 2018, 10:24 AM

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why so quiet here?
V5 already?
tan_aniki
post Nov 23 2018, 08:09 PM

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Black Friday

23 NOV 23 NOV SPEND NOW 4 MORE - WK16 50.00 CR
tan_aniki
post Nov 23 2018, 10:29 PM

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QUOTE(jackstrom @ Nov 23 2018, 09:29 PM)
Hi,
1st time apply Credit Card
I recently received PB Quantum which include both MasterCard & Visa
Now I confused, do I keep both or choose 1 (ignore/return)?
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if you plan to join the spend now 4 more CB campaign, then you should keep the Quantum Visa after you finish 10 X RM60 for Quantum MasterCard as you will get additional VIP points for Quantum Visa for non entertainment/departmental swipe and additional CB if you swipe for movie or departmental.

Let say one month got 4 weeks, you need one week fully for Quantum MasterCard to swipe 8 X RM60.
2nd week 2 X RM60 for QMC and 6 X RM60 for QV.
3rd and 4th week will be 8 X RM60 for QV.
If got 5th week then will be another 8 X RM60 for QV.
Let's say for the current campaign which starts from July till Dec, there are 26 weeks.
Means you got 60 swipes are QMC while the remaining 148(26 X 8 - 60) swipes are QV.
148 X RM60 earn you 8880 VIP points and thats around RM22.20 value if you exchange RM10 voucher for 2000 VIP points.
If you combine the early campaign this year which is RM500 X 2 swipes per week, you got 12 swipes for QMC and 40(26 X 2 - 12) swipes for QV.
40 X RN500 earn you 20000 VIP points which is around RM100 value in voucher form.
That not bad for additional RM122.20 bonus to cover the SST and the SST might be waive for yearly RM8000 spend for each card.
Of cos if you manage to get Visa Infinite, then Quantum Visa can cancel already as VI got 0.3% CB straight into your card, not VIP points.
tan_aniki
post Nov 23 2018, 10:52 PM

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QUOTE(cclim2011 @ Nov 23 2018, 10:44 PM)
Just to check...
RM10 voucher is only popular book store now right?
Before my next SST I think I can only get about 2000 points... Need postage somemore
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ya that's why, if can apply VI then go for that, else just make full use of QV.

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