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

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ClarenceT
post Nov 26 2018, 07:07 AM

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QUOTE(derick8860 @ Nov 25 2018, 11:06 PM)
Hi, anyone know anywhere can get Quantum cards on the spot if apply via FD pledge?
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None. PB don't have instant/quick approval, usually about 2 weeks.
ClarenceT
post Nov 26 2018, 10:05 AM

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QUOTE(sulab @ Nov 26 2018, 08:58 AM)
Is it possible to increase my PB VS's credit limit by transferring some limit from my PB QMC card?

As an example: increase PB VS's credit limit (initially at X) to (X+2K) while at the same time reducing my PB QMC's credit limit (initially at Y) to (Y-2K)

Thanks for any replies
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Are you using PIB VS or PIB QMC issued by PUBLIC ISLAMIC BANK BERHAD? (None of us could get PIB VS/QMC)

If both of your VS and QMC are issued by PUBLIC BANK BERHAD, then you get a COMBINED limit from PBB. You are confused as the CL for VS and QMC are different. Check your CCRIS or CC statement, it will tell that you get a combined CL.

Assume your QMC - CL RM20,000, and VS - CL RM30,000
Your combined CL is RM30k, you can use QMC+VS max RM30k (Not RM50k) but QMC max RM20k (Then VS up to RM10k only).
You can request to revise your QMC's CL from RM20k to RM30k, and your combined CL is still at RM30k and your VS's CL is still at RM30k.
You cannot increase your combined CL and your VS's CL to RM32k if you reduce your CL for QMC to RM18k.
ClarenceT
post Nov 26 2018, 10:17 AM

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QUOTE(LostAndFound @ Nov 26 2018, 09:54 AM)
'everybody'.

But pool only finishes by 9.30.

bangwall.gif level of kiasuness assumes that everyone else just as kiasu.

Based on posting here maybe got a dozen people or so kiasu to do 12+ am. Counting other silent readers (let's say 5x as many, even 10x as many) that's 120 people, max.

30000/50 is 600.

I believe the cutoff time will never go before 7am, because would need 600 principle card holders to be that kiasu.
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Only 4 weeks left... I will give up some of the final weeks... Time for good sleep and holiday...
ClarenceT
post Nov 26 2018, 03:10 PM

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QUOTE(iamshf @ Nov 26 2018, 03:07 PM)
I have the same question
Both also same limit .. Say 30k
I can see VS vailable balance left only 5k but my QMC available balance still 90% i.e. 27k

It's looks like separate credit limit
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Don't believe in what you see in PbE. You try then you know if they are separate CLs. smile.gif
ClarenceT
post Nov 27 2018, 06:50 AM

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QUOTE(alexwsk @ Nov 26 2018, 11:45 PM)
and then PBB extends it again  rolleyes.gif  laugh.gif
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PBB never extends. They will come out a new spending requirements, no longer 8xRM60 to get RM50.
ClarenceT
post Nov 27 2018, 10:27 AM

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QUOTE(tan_aniki @ Nov 27 2018, 10:15 AM)
You think they didn't notice and having this campaign paying out 30k every week to users who reloading BP but at the end more than 1000 users reloading BP with RM480 X 1000 + another 10000 users on others expenses, that's a sales value of 5.28mil per week. even if they charge 1% on each merchant they also earn more than 50k per week. so you think who is the winner?
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QUOTE(coolguy99 @ Nov 27 2018, 10:18 AM)
They could have earned a lot more if the cash back pool doesn't deplete so quickly and people keep spending throughout the week, hoping to get a share of the cash back pool. That scenario that you have just mentioned isn't the best case scenario.
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Without the Bigpay, I could do shopping on Monday evening using 2nd and 3rd principal card account, Most of the transactions not on 5%-6% CB categories.
ClarenceT
post Nov 27 2018, 11:41 AM

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QUOTE(propusers @ Nov 27 2018, 10:47 AM)
are those shops like Nike / Adidas / Timberland in Genting Premium Outlet consider as Departmental categories? so I can enjoy 5% cash back with Quantum Visa.
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Most likely No for PB QV.
Most likely Yes for RHB VS.
ClarenceT
post Nov 27 2018, 03:34 PM

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QUOTE(jiaen0509 @ Nov 27 2018, 03:05 PM)
If I apply BT at PBB. Mean PBB will help me pay my MBB credit card let say 3k.

After that I need to pay 3k devide 12months to PBB every month?

Will it affect my PBB credit limit?
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If I am not wrong, early settlement charge RM100 apply.
Don't assume you can simply cancel a CC and transfer the outstanding balance to another PB CC, and without charge, not always like Maybank CCs!
ClarenceT
post Nov 27 2018, 04:43 PM

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QUOTE(tan_aniki @ Nov 27 2018, 03:56 PM)
smart people won't cancel the card just to transfer the installment to another bank, just BT from another bank and keep the money in the credit card and slowly pay off month over month till the end of the tenure without paying the RM100, just need to pay the SST lo, unless the tenure is more than 4 years
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RM3k @ 12 months BT -> savings/earning less than RM50, but early settlement penalty is RM100. Worth it?
Not like those BT >RM10k (including you) gain a lot in the first few months enough to contra the potential loss, so they don't really feel hurt if exit.

ClarenceT
post Nov 27 2018, 09:31 PM

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QUOTE(hafizhans @ Nov 27 2018, 09:09 PM)
i see.
i was just about to ask the same thing.
i accidentally pay less rm10 last statement n shocking to see got financial charge rm1.85 for a mere rm10.
is other bank basically the same?
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The financial charge is mainly due to the new transactions, not only the underpaid amount. You pay a few sen less you will kena as well, not like the previous scheme (before 2007).
ClarenceT
post Nov 28 2018, 05:35 PM

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RM50. 8th transaction at 08:13.
ClarenceT
post Nov 30 2018, 10:15 AM

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QUOTE(IceLeo @ Nov 30 2018, 08:16 AM)
Can someone update the timetable for cash pool depleted? that's very useful
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Only 4 weeks left, not so important now.
ClarenceT
post Nov 30 2018, 10:22 AM

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QUOTE(alexanderclz @ Nov 30 2018, 10:17 AM)
maybe for the next, if any.
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Different spending requirements, different CB amount, different quota.
Eg the first game of 2018 (2XRM100/500), only 5% (extra) CB, I was not really interested to play every week.
ClarenceT
post Nov 30 2018, 12:39 PM

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QUOTE(skty @ Nov 30 2018, 12:28 PM)
I also skip that 5% campaign. But that was before BigPay is in the picture.
now even 0.1% i also tak lepas.  tongue.gif
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0.1% not enough to cover the potential loss. Must be at least 0.2%.

ClarenceT
post Nov 30 2018, 05:53 PM

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QUOTE(filidon @ Nov 30 2018, 05:50 PM)
bro, the thing is if book through Expedia website and using PB card,, can have 10% discount straight from the amount. which mean if eligible is 5% ( PB online rebate ) + 10% PB card discount = 15%

if i use BP only entitle 5% only

better i use other CC with rebate
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You can get a Expedia 10% voucher at Hotlink App.
ClarenceT
post Dec 1 2018, 06:30 PM

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QUOTE(beLIEve @ Dec 1 2018, 05:13 PM)
Yesterday swipe at public bank terminal around 8pm, can see transaction posted on PBe after midnight maintenance. Transaction date = posting date
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Similar to "House Cheque".
ClarenceT
post Dec 5 2018, 07:32 AM

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QUOTE(jutamind @ Dec 5 2018, 07:09 AM)
Since cash back are normally used by by early Non morning, how do you guys pay TNB bills early enough to earn the cash back?
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Read T&C #13 (1)
https://www.pbebank.com/pdf/Promotions/tc_c...ck-Q2-2018.aspx
ClarenceT
post Dec 5 2018, 12:27 PM

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QUOTE(Nerdyfred @ Dec 5 2018, 12:26 PM)
Bigpay reload i used PBB VS and PBB QMaster.

PBB VS got the W18 cashback and PBB QMaster did not get. Anyone encounter this? Both reload around 6am+
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Under same I/C? Both Principal CC?
No problem if different I/C numbers.

This post has been edited by ClarenceT: Dec 5 2018, 12:29 PM
ClarenceT
post Dec 5 2018, 01:13 PM

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QUOTE(Nerdyfred @ Dec 5 2018, 01:03 PM)
Oh No, i thought is different product.

What if i use the sub card which is a different IC No.
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Both VS and QM are principal, same I/C -> 1x RM50 only (combined with your sub)
If VS is principal, QM is supplementary under another person -> 1X RM50 for you, 1X RM50 for your partner.

Ask your partner to be a principal card holder and sub a CC to you.


QUOTE(vin_ann @ Dec 5 2018, 01:04 PM)
If I reload BP 4 times each via PBB VS and PBB Quantum master
The CB will shown in which card ?
Anyone tried before ?
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Any combination of PBB Principal CCs (same person) and supplementary CCs (different persons).
The rebate will go to one of the principal card.

This post has been edited by ClarenceT: Dec 5 2018, 01:15 PM
ClarenceT
post Dec 5 2018, 02:18 PM

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QUOTE(cclim2011 @ Dec 5 2018, 01:17 PM)
Week18 rm50 in. Last transaction ~1230
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1230 am or pm?
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