Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back
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 Aug 22 2018, 03:14 AM
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#1
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon  
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QUOTE(rhodon @ Aug 22 2018, 12:59 AM) first time using the Spend Now 4 More Cash Back , swipe 3 times more than RM60 on 15 July, how long does it take to get the cash back? July 15....too late for week 2...  you have to swipe from Monday of the week....from July 16.... for week3 You'll get the cash back... in around a month.... case-point: Week 4, spending from 23July, CB in 21Aug. |
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Sep 1 2018, 01:40 PM
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#2
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(Neo_Y @ Sep 1 2018, 01:02 PM) Hi guys, just received my Quantum CC, never use a credit card before and would like to ask a few questions here, sorry if these was being asked before. 1. you can pay anytime... but one would want to stretch out the payment to as long as possible, which would be the statement due date.1. How to make repayment to my swiped transactions? Can only repay after the transactions are being posted on unbilled transactions? Can I make payment during "Authorised Charges" stage? 2. Both cards appeared in PBe, why I cannot make payment to "TO OWN CARD"? Chose "TO OTHER CARD" instead? 3. How Cash Back work actually? If I fully repay my transactions, CB will be posted to my Saving/Current ACC? 4. Minimum Monthly Repayment of 5%, if I only make 5% monthly, the remaining balance will be charge 15% p.a? Sorry for such noob questions, really new to CC. Thank you. 2. quirk of pbe 3. CB will be credited to the cc, you could treat it as payment to the cc, refunded transactions could be treated as payment as well. 4. Your interest will be be charged to the 100% of what you owe, instead of the balance of 95%. (even if you pay 99.9%....they will charge you interest on the 100% instead of the 0.1% that you owe). This post has been edited by BeastX: Sep 1 2018, 01:45 PM |
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Sep 1 2018, 05:07 PM
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#3
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(Neo_Y @ Sep 1 2018, 04:47 PM) So if I make a RM10K fund transfer (via PBE) to one of my CC (credit limit lets say 20k), I could then swipe a RM 30K transaction in one go? Assuming my card is clean with max credit limit available. Yuo.... excess money adds to you credit limit.... it'll be reflected when you check limit (online access) |
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Sep 27 2018, 05:25 PM
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#4
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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delete....
This post has been edited by BeastX: Sep 27 2018, 05:30 PM |
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Oct 9 2018, 09:53 AM
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#5
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(fruitie @ Oct 8 2018, 11:22 PM) Got it. I take it she is a newbie too.... and NOT a veteran, or a newbie that's NOT well informed... I see, now I got it. She was a bit upset because she didn't get any cash back for past few weeks. I guess this round she got three weeks in a row, she wanna show to me it's back to normal for her.  |
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Oct 24 2018, 07:58 PM
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#6
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(joeaverage @ Oct 24 2018, 07:50 PM) i typically pay my Statement Balance a day or 2 before its due. Since the last statement (balance e.g. 500), I received rm50 CB for wks 13 and 14 each - would it be OK to pay 400? Would the CB received count as though paying to the statement balance amount? TQ. CB counts as payment..... for PB...so, only additional RM400 needed (SB:RM500)...This post has been edited by BeastX: Oct 24 2018, 08:06 PM |
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Oct 29 2018, 08:45 AM
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#7
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(royalz @ Oct 29 2018, 08:29 AM) hi u got confirmation from PB on the exhaust time? based on multiple users' experience... including mine: around 11am last transaction, not counted... |
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Oct 30 2018, 09:16 AM
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#8
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(tan_aniki @ Oct 29 2018, 09:18 PM) 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? QUOTE(tan_aniki @ Oct 30 2018, 09:11 AM) i already said 31 Dec 2018 is WK26, please read my question properly... Unless you work for PB, no one knows.... sometimes back-to-back campaigns.... sometimes with a break period of 2 to 3 months... |
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Nov 9 2018, 09:38 AM
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#9
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(pvateme @ Nov 9 2018, 08:15 AM) i made my redemption by combining points from principal card (vs, qm, qv) and my supplementary cards in vs wo... No longer possible though...made the redemption probably 2 months ago or more ... |
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Nov 14 2018, 01:45 PM
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#10
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon
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QUOTE(laith @ Nov 14 2018, 01:21 PM) That's weird. Here is part of my transactions. You'll not get additional promo CB on BP top-ups on 16/10...week 16 (not out yet) and 24/10 (week 17)...29/10 and 5/11, is possible but it still depends on the time on the day you did your transactions....Also since when PBB revised the cap from RM50 to RM38? assuming you've registered for the promo This post has been edited by BeastX: Nov 14 2018, 02:08 PM |
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