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 Public Bank Credit Cards V5, PB Visa Sig 6% & Quantum 5% Cash Back

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ClarenceT
post Dec 10 2018, 06:25 PM

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QUOTE(celaw @ Dec 10 2018, 06:08 PM)
Changing from Week 1 -> Week 26 SN4M by top up big pay

goyang-goyang top up during working -> top up before going to work -> top up when wake up -> top up before sleep....
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Regret telling others BP transactions not excluded from the campaign? Haha.
ClarenceT
post Dec 10 2018, 06:43 PM

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QUOTE(beLIEve @ Dec 10 2018, 06:32 PM)
That's what I told a friend. How many have 8x60 to spend on a working day's midnight? And finish by 8am some more.

I'm the 1%. Pay non-utility bills and buy some stuffs online.
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Welcome you to join the 99%. smile.gif
A lot of us didn't want to be a part of 99%.
ClarenceT
post Dec 10 2018, 07:10 PM

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QUOTE(David83 @ Dec 10 2018, 06:56 PM)
I'm not referring to YOLO. I'm just quoting it as an example for revised T&C.
My point is PBB could be excluding Financial Service related transaction if they intend to continue this campaign next year.
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Quasi-cash is excluded all the while in PB games.
Most of the banks consider BP is a quasi-cash, only PB can't see it.
ClarenceT
post Dec 12 2018, 06:04 AM

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QUOTE(deanitro @ Dec 12 2018, 03:10 AM)
is shopee app purchase eligible for 5% online shopping cash rebate?
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If you receive OTP to complete the transaction.
ClarenceT
post Dec 12 2018, 06:08 AM

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QUOTE(jiaen0509 @ Dec 11 2018, 10:45 PM)
Want to know how Public Bank work.

Let say my statement balance is RM1000. And I receive WK 18,19,20 total RM150 cash back.

Then I need to pay my Credit Card RM850 or RM1000 instead before due date.
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Always pay the statement balance by the due date.
The card issuers can charge you interest if you don't pay the full statement balance and by the due date.

This post has been edited by ClarenceT: Dec 12 2018, 06:08 AM
ClarenceT
post Dec 12 2018, 07:52 AM

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QUOTE(lwc629 @ Dec 12 2018, 07:24 AM)
statement balance can be offset by cashback credited into account after statement date
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I know, but it is not always true, and the bank can enforce it anytime. You are taking risk to get charged of interest but you get a few cents of saving.
ClarenceT
post Dec 12 2018, 09:35 AM

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QUOTE(TongCN @ Dec 12 2018, 08:33 AM)
Ya, i'm aware of it smile.gif

I just wanna show that quota ends there icon_rolleyes.gif
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OTP time is not always accurate as you were given a few minutes to complete the transaction.

ClarenceT
post Dec 13 2018, 08:39 AM

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QUOTE(BacktoBasics @ Dec 12 2018, 11:30 PM)
If I have plenty of purchases in that month it would be hard to track

I wonder if we are request the breakdown from pbb
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You can see the amount of VIP point earned for the statement month to exclude those items not in CB categories. Check your monthly statement.
ClarenceT
post Dec 13 2018, 11:12 AM

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QUOTE(Micky78 @ Dec 13 2018, 10:44 AM)
any reasons to continue using PBB?

i will transfer my standing debit to other CC n will cancell both the card Before expiry in next yrs...
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Online transactions - 6% for PB VS, 5% for PB QM.
[1] Top up Bigpay (get 5%/6% CB) -> Use Bigpay to pump petrol, service your car.
[2] Online purchase at Shopee/Lazada/11street - Petronas Giftcards/e-Vouchers, use the PGC/eVc to pump petrol.
[3] Top up SETEL - pump petrol at selected Petronas stations.
ClarenceT
post Dec 13 2018, 09:18 PM

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Sacrifice sleep for RM50, not really worth it.
Appraisal + Bonus time!

ClarenceT
post Dec 14 2018, 05:52 PM

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QUOTE(SNHY693 @ Dec 14 2018, 05:49 PM)
Need some help guys,
I bought some items using the Quantum Master on Shopee on 11.11 and one of my transactions received the 5% cashback

However for my mums credit card, there is 3 transactions on Shopee on the same date that did not received the cashback.

After calling to their hotline, they claim that the 3 transactions is listed under e-commerce and no cashback is given.

The CS claim that it depends on how each seller in Shopee is registered, either as e-commerce or online.

Just wanna ask, isnt it that all payment is thru Shopee as they are using the Shopee's payment gateway? So isnt it all transactions will get cashback?
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She didn't receive OTPs, Direct debit instead of Online.

ClarenceT
post Dec 17 2018, 07:42 PM

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Someone may check with PB CS later this week...
Those BP transactions today - MCC 6012 or 6540?
Good luck to those waked up at vampire hours...
ClarenceT
post Dec 17 2018, 07:49 PM

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QUOTE(David83 @ Dec 17 2018, 07:45 PM)
Doesn't matter right?
Is it under exclusion list?
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I don't know.
But MCC 6540 - stored value prepaid card. See if PB will consider it a quasi-cash.

ClarenceT
post Dec 17 2018, 08:12 PM

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QUOTE(ck8811 @ Dec 17 2018, 08:05 PM)
Just got my pbb card via ringgitplus today and planning to swipe rm250 to get ringgitplus gift, the tnc stated utilities and direct marketing are excluded from eligible spending, did anyone know time fibre internet, bigpay reload, condominium management fee fall within the above exclusion?

user posted image
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Pump petrol RM250.

This post has been edited by ClarenceT: Dec 17 2018, 08:12 PM
ClarenceT
post Dec 18 2018, 12:08 PM

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QUOTE(stevenkkh @ Dec 18 2018, 11:57 AM)
Will this MCC 6540: Non-Financial Institutions – Stored Value Card Purchase/Load for all cards, not only PB?
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This MCC is set by Maybank (BP's payment gateway) it is not managed by PB or other CC issuers.
ClarenceT
post Dec 28 2018, 03:22 PM

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QUOTE(Deskihaoz @ Dec 28 2018, 02:54 PM)
Yea...Enrolled already..Thanks for reminding tho!!

And I was thinking want to keep Master and cut off Visa since Visa like not really useful...or Visa got any hidden function or benefits for people usage?

And can ask about the flexi 0% 12 month ...So means we go to any shop and buy somethings..pay with cc 1st den oni call to bank ask them arrange the payment to flexi pay?

A lot questions....Im newbie to CC stuff...Paiseh  sweat.gif  sweat.gif
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I use Quantum Visa.
5% rebate - departmental stores (eg Parkson, Aeon, Isetan), Entertainment (eg Disneyland), Taobao (Alipay).
ClarenceT
post Dec 28 2018, 03:31 PM

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QUOTE(fruitie @ Dec 28 2018, 03:26 PM)
I didn't know Taobao is departmental. laugh.gif
Oh well, hardly use CC to pay Taobao these days. Either Alipay credit or BP. Good to know about this, puzzled why will it fall under departmental. laugh.gif
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TAOBAO.COM 125 LONDON WA GB
Taobao APP - TMall items - transaction in RM (auto converted by Alipay) instead of Yuan.


ClarenceT
post Dec 28 2018, 04:13 PM

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QUOTE(Deskihaoz @ Dec 28 2018, 03:42 PM)
Wow..Okay worr...If buy things directly from Taobao website or app can rebate...
But is Taobao and TMall 天猫 is the same?
Good to know that too..!  rclxms.gif  rclxms.gif
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Both Taobao (C2C) and Tmall (B2C) items listed in Taobao App/Web. I paid once only so I don't know if the Dept MCC also apply to Taobao items. +3% for CC transaction but -5% rebate for QV.
ClarenceT
post Dec 29 2018, 06:34 PM

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QUOTE(janson_kaniaz @ Dec 29 2018, 06:07 PM)
Any insider what the next promo would be like? Can’t remember which member used to provide insider info last time tongue.gif
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If you want to know...
SMS "PBCB xxxxxxxxxxxxxxxx" to 66300 from 1/1/19, everyday till you find a new campaign. brows.gif
ClarenceT
post Dec 30 2018, 07:51 AM

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QUOTE(zhixie @ Dec 29 2018, 10:30 PM)
Hi all, wanna ask if taobao is consider as online shopping transaction? Is it worth pay using PBb cc to get get 5% cashback
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It is not online transaction, NO OTP.

Use Taobao APP and pay by Quantum Visa, you may get 5% CB under Departmental, after +3% surcharge using CC.

TAOBAO.COM 125 LONDON WA GB
Taobao APP - TMall items - transaction in RM (auto converted by Alipay) instead of Yuan.


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