Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsPublic Bank Credit Cards V5, PB Visa Sig 6% & Quantum 5% Cash Back
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 Mar 3 2019, 01:02 PM
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Staff
72,772 posts Joined: Sep 2005 From: KUL  
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QUOTE(ClarenceT @ Mar 3 2019, 12:54 PM) Combined limit for VS+Quantun RM30k, Hmm. I have done flexi-payment and BT for QMC, around 12k in total but went through? But VS RM30k, Quantum cards RM9k.   |
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Mar 3 2019, 01:37 PM
Show posts by this member only | IPv6 | Post
#2202
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Senior Member
4,505 posts Joined: Aug 2005 From: Klang/Shah Alam 
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QUOTE(fruitie @ Mar 3 2019, 12:10 PM) It's not combined limit ah? Mine looks the same for both QMC and VS. QUOTE(ClarenceT @ Mar 3 2019, 12:54 PM) Combined limit for VS+Quantun RM30k, By right both credit limit should be the same if combined.But VS RM30k, Quantum cards RM9k. Gonna bug CS after I go back home |
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Mar 3 2019, 04:59 PM
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Newbie
24 posts Joined: Sep 2018
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Sifu sifu sekalian, want to enqyire regarding the cashback cycle...
My cashback date is 14th every month My statement date is 20th every month So my confusion is If i spend BEFORE 14th Jan, the amount for cashback will be included in the cashback on 14th Jan or 14th Feb? Please enlighten me.... |
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Mar 3 2019, 05:02 PM
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All Stars
65,264 posts Joined: Jan 2003
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QUOTE(gliwan2002 @ Mar 3 2019, 04:59 PM) Sifu sifu sekalian, want to enqyire regarding the cashback cycle... that is weirdMy cashback date is 14th every month My statement date is 20th every month So my confusion is If i spend BEFORE 14th Jan, the amount for cashback will be included in the cashback on 14th Jan or 14th Feb? Please enlighten me.... most of us getting cashback date = statement date which card is it? how many statement cycles have you noticed this? |
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Mar 3 2019, 05:14 PM
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Newbie
24 posts Joined: Sep 2018
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QUOTE(cybpsych @ Mar 3 2019, 05:02 PM) that is weird Eh, sorry....statement date = cashback datemost of us getting cashback date = statement date which card is it? how many statement cycles have you noticed this? But im still confused.... Cashback on 14th Feb is for the whole January (as in 1/1/19-31/1/19) or 14/1/19-13/2/19? |
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Mar 3 2019, 05:18 PM
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All Stars
65,264 posts Joined: Jan 2003
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QUOTE(gliwan2002 @ Mar 3 2019, 05:14 PM) Eh, sorry....statement date = cashback date follow statement cycle...But im still confused.... Cashback on 14th Feb is for the whole January (as in 1/1/19-31/1/19) or 14/1/19-13/2/19? 15 Jan - 14 Feb (statement date) 15 Feb - 14 Mar (statement date) and so on... transactions posted on/by statement date is inclusive of current statement's cashback calculation. |
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Mar 3 2019, 07:19 PM
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Newbie
24 posts Joined: Sep 2018
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QUOTE(cybpsych @ Mar 3 2019, 05:18 PM) follow statement cycle... I see i see....thankyou sifu!15 Jan - 14 Feb (statement date) 15 Feb - 14 Mar (statement date) and so on... transactions posted on/by statement date is inclusive of current statement's cashback calculation. |
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Mar 3 2019, 09:08 PM
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Junior Member
266 posts Joined: Jan 2017
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guys , anyone have problem receiving OTP number ?
This post has been edited by dayamin: Mar 3 2019, 09:08 PM |
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Mar 3 2019, 11:09 PM
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Senior Member
1,678 posts Joined: Sep 2006 From: Penang
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Usually i spend PBB VS into Bigpay as online ......
Starting this month Mar, In the OTP page , i tried to print-screen , but not able to . "Foreign currency trading is illegal and prohibited .. .... bla bla bla " ..... Other bank cc doesnt have this ..... (eg HLB) .... |
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Mar 3 2019, 11:11 PM
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Staff
72,772 posts Joined: Sep 2005 From: KUL
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QUOTE(paogeh @ Mar 3 2019, 11:09 PM) Usually i spend PBB VS into Bigpay as online ...... Already started few days ago and not only for BP.Starting this month Mar, In the OTP page , i tried to print-screen , but not able to . "Foreign currency trading is illegal and prohibited .. .... bla bla bla " ..... Other bank cc doesnt have this ..... (eg HLB) .... |
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Mar 3 2019, 11:15 PM
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All Stars
23,688 posts Joined: Aug 2007 From: Outer Space 
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QUOTE(skty @ Mar 3 2019, 02:58 AM) anyone who has experience with PBB quantum card's feature - flexi plan can help to answer my question: So those taking flexi/easy payment scheme with any of their big purchase, if say the card credit limit is 10k, if I do flexi payment on a purchase of 5k, what is the credit limit available will be after the 5k convereted into flexi payment? thank you. in the CCRIS record, the credit utilization will always take into account (and slowly decrease by months). For the example above, credit limit 10k. Utilization 5k. CCRIS will show 50% utilization. Is that correct? |
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Mar 3 2019, 11:35 PM
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Senior Member
1,274 posts Joined: Sep 2010
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QUOTE(AskarPerang @ Mar 3 2019, 11:15 PM) So those taking flexi/easy payment scheme with any of their big purchase, Yes I believe so after checking eccris (mine is 0% balance transfers)in the CCRIS record, the credit utilization will always take into account (and slowly decrease by months). For the example above, credit limit 10k. Utilization 5k. CCRIS will show 50% utilization. Is that correct? |
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Mar 4 2019, 09:17 AM
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Senior Member
1,104 posts Joined: Dec 2006
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QUOTE(gliwan2002 @ Mar 3 2019, 04:59 PM) Sifu sifu sekalian, want to enqyire regarding the cashback cycle... follow billing/ statement dateMy cashback date is 14th every month My statement date is 20th every month So my confusion is If i spend BEFORE 14th Jan, the amount for cashback will be included in the cashback on 14th Jan or 14th Feb? Please enlighten me.... |
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Mar 4 2019, 09:20 AM
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Junior Member
424 posts Joined: Jul 2011
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QUOTE(guy3288 @ Mar 2 2019, 10:41 PM) kena penalty first time, if you have valid reason you can email PBB CS to justify and ask them to revert for yousup cards payment RM595.25 due 21.2.2019 not paid new statement 1.3.2019 came only realised, any idea how is the 15% penalty calculated = RM8.15? 595.35 x 15% x 1 month = RM7+/- |
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Mar 4 2019, 09:26 AM
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All Stars
14,910 posts Joined: May 2015
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QUOTE(guy3288 @ Mar 2 2019, 10:41 PM) kena penalty first time, Not only RM595.35 portion kena charge penalty + interest.sup cards payment RM595.25 due 21.2.2019 not paid new statement 1.3.2019 came only realised, any idea how is the 15% penalty calculated = RM8.15? 595.35 x 15% x 1 month = RM7+/- New transaction RM633.25 also kena interest already. You better settle the statement balance in full immediately, not till the due date! |
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Mar 4 2019, 10:45 AM
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Junior Member
56 posts Joined: Jan 2019
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QUOTE(skty @ Mar 3 2019, 02:58 AM) anyone who has experience with PBB quantum card's feature - flexi plan can help to answer my question: If apply Quantum Card flexi payment, any upfront fee incurred beside of 0% interest ?if say the card credit limit is 10k, if I do flexi payment on a purchase of 5k, what is the credit limit available will be after the 5k convereted into flexi payment? thank you. |
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Mar 4 2019, 10:46 AM
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All Stars
65,264 posts Joined: Jan 2003
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QUOTE(totoro2018 @ Mar 4 2019, 10:45 AM) If apply Quantum Card flexi payment, any upfront fee incurred beside of 0% interest ? none |
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Mar 4 2019, 10:49 AM
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Junior Member
56 posts Joined: Jan 2019
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QUOTE(cybpsych @ Mar 4 2019, 10:46 AM) none Thanks for replying.May I know how many times I can apply for Quantum card flexi payment in a year? |
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Mar 4 2019, 10:50 AM
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All Stars
65,264 posts Joined: Jan 2003
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QUOTE(totoro2018 @ Mar 4 2019, 10:49 AM) Thanks for replying. no application limit.May I know how many times I can apply for Quantum card flexi payment in a year? limit is up to your CL definitely. |
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Mar 4 2019, 10:53 AM
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Junior Member
56 posts Joined: Jan 2019
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QUOTE(cybpsych @ Mar 4 2019, 10:50 AM) no application limit. noted with thanks limit is up to your CL definitely.  |
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