Hi all, if I were to pledge 10k FD to apply the Quantum2Cards, do you guys think I can get the promotion rate at 4.2% p.a. or they will follow board rate?

I have pledge the fd 35k one year tenure for my 70 year old mother two year ago. Fd slip is with bank

Then she get one vs main card and 2 supp card for me and my wife.

Every week get rm50 cash back campaign. One month get rm50x4 and rm38x3. Total month cash back is rm314. One year get around rm 3768

Assume yearly fd rate is 3 percent. Compare to campaign rate is 4.5 percent. I lost 1.5 percent. Lost Rm525 per year.

As u mention, I do balance transfer every half year rm30k to cimb and do the fd for it again. I need to do monthly fd for every rm5000. Coz every month I need to pay back the card rm5000 for bt balance. Redo it and redo it.

For me, it worth to pledge the fd for vs but must do bt and score all the cash back.

Cant get the im fine ,what their service is really bad
And the main point is my application is not successful why should i pay for stamp duty ?