QUOTE(LostAndFound @ Jul 15 2019, 10:33 AM)
Those of us long time user will remember that this was how it used to be. Just use for your normal spending. If you don't spend, you're not LOSING cashback, you're spending less, so its still a net win.
When you purposely find things to spend just for that 5-10% cashback, you're the biggest loser.
QUOTE(avinlim @ Jul 15 2019, 10:59 AM)
If purposely find thing to spend, you wasted RM1000 for the RM50.
not really worth it.
This is the main reason for CC to offer us cash back.
Also the main reason why bank cut away CB for e-wallet.
Bank want us to spend more (merchants also happy to pay the bank fees).
Also to create feel-good factor for CC user while spending (yay, I can max out my monthly CB / I earned xxx TP).
Win-win situation lo.