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

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Neo_Y
post Sep 1 2018, 01:02 PM

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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. 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.

This post has been edited by Neo_Y: Sep 1 2018, 01:08 PM
Neo_Y
post Sep 1 2018, 02:10 PM

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QUOTE(BeastX @ Sep 1 2018, 01:40 PM)
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.

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).
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QUOTE(ClarenceT @ Sep 1 2018, 01:52 PM)
1. You can deposit any amount to your CC anytime (including with -ve balance, you may do this to increase available credit limit, ie higher than approved credit limit) at PB's Cash Deposit Machines, Fund transfer from any bank using MEPS IBFT (Card Payment).

2. Doesn't matter, the payment is updated immediately at your card accounts.

3. The rebate that you earn will be deducted from your outstanding balance when the monthly statement is issued.

4. ALWAYS MAKE FULL PAYMENT - STATEMENT BALANCE BY DUE DATE, avoid pay less after deducting the extra rebate that you earn and credit due to reversal of transaction, after statement is issued.
If you pay less than the statement balance, you will be charged at 18% (for new cardholders) on outstanding balance including the unbilled transactions.
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Thank you for your kind verification.

I've got my card on 28 Aug, activated (pin requested via phone called) on 28 Aug, make a few transactions these three days. May I know when my monthly statement will be ready? What was the monthly cycle be like? End of September? Or a partial statement of August which I need to make the repayment?
Neo_Y
post Sep 1 2018, 04:47 PM

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QUOTE(ClarenceT @ Sep 1 2018, 01:52 PM)
1. You can deposit any amount to your CC anytime (including with -ve balance, you may do this to increase available credit limit, ie higher than approved credit limit) at PB's Cash Deposit Machines, Fund transfer from any bank using MEPS IBFT (Card Payment).

2. Doesn't matter, the payment is updated immediately at your card accounts.

3. The rebate that you earn will be deducted from your outstanding balance when the monthly statement is issued.

4. ALWAYS MAKE FULL PAYMENT - STATEMENT BALANCE BY DUE DATE, avoid pay less after deducting the extra rebate that you earn and credit due to reversal of transaction, after statement is issued.
If you pay less than the statement balance, you will be charged at 18% (for new cardholders) on outstanding balance including the unbilled transactions.
*
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.
Neo_Y
post Sep 3 2018, 03:42 PM

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Hi guys, how do I make UNIFI payment via their portal?
I've done registration and so, when I make bill payment it said no bill was selected, I can't find any way to actually "select" the bill also?
Neo_Y
post Sep 3 2018, 04:19 PM

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QUOTE(cybpsych @ Sep 3 2018, 04:04 PM)
new unifi account?

already received the ebill (email) before login to Unifi portal to make payment?
*
Received eBill via email.
Neo_Y
post Oct 16 2018, 03:48 PM

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QUOTE(ping325 @ Oct 15 2018, 12:22 PM)
this month pbb statement tracking for Cashback all wrongly calculate LOL , missing a lot , just called CS for manual update and they will give back during next statement cycle ,

*Quantum VISA & Mastercard*
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How to actually traced back cashback? My statement just show I got RM30 cashback and that it, it didn't show detail which restaurants are entitled cashback or so. hmm.gif
Neo_Y
post Oct 19 2018, 11:24 AM

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Hi guys, something to ask here.

I've just converted one of my transaction (PBB Visa Quantum) into zero interest installment and that amount became "authorized charges", my CL then becoming lesser as it deducted from the installment sum amount.

But my master quantum still shown max credit limit.

How much CL I got now? hmm.gif
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