Doesn't cost much to do extra 2 transactions 'just in case'.

'everybody'.

But pool only finishes by 9.30.

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.

I've never had problems, and my reload times vary a lot. Done 12+am, done 4am, done 6am, done 7am, done 8am, done 9am. Am surprised got people give up (surely Monday working day you'll wake up early?).

There's a long feedback loop for that though. The perception of 'got chance' which prompts people to spend will last until the customer realises that actually no chance. Some would blur blur just never realise. Those who do realise will either give up or search around and find the methods we've been using here.

In the end only PBB will know whether there's a drop in spending after BigPay reload became widespread. If there is a significant drop in customer spend then likely to modify T&C.

Out of curiosity, why such a large gap between transactions?

Every bank I've ever had a card with has an unofficial grace period within which you do not get charged interest, even though it's pass the 20 days or whatever that they give you.

This is to allow for delays such as IBG, processing problems, etc.

Not something you can regularly rely on, but whenever I've been late by a day or two I have not been charged. More than that then need to beg/plead with CS.

Not sure if you pre-pay they won't deduct (don't think so). It's like your income tax.

Well the monthly deduction will be 1x only, so if you're already paying more.... still can manual pay (just don't gain AS much la).

You can maintain your cashback amount, just have to pay out more only =). Our finance minister thanks you for your diligence.

EDIT: Week 18 cashback is out. I got full RM 50 for 5:50am transactions.

This post has been edited by LostAndFound: Dec 5 2018, 11:58 AM

Again.... why would you start at 7.55 and then wait long long till 8.58 for your third transaction?

I actually wish I'd taken PTPTN loan last time, such low interest rate can jump start finances.

Correct ah. When he finished 8 transaction (7:11) still got cashback. When you finish your 3rd transaction cashback finish di, so you don't get anything.

If your 3rd transaction was 7:11 you would have gotten the reduced cashback amount at least, probably.

850. Assuming that W18/19/20 is received after your statement generated, of course.....

Different bank different practice. If the practice changes will very quickly have notice here from those who habitually do this. And changing this is a matter of changing how their internal system processes cash back, which is a cost to the bank.

Most banks that allow cashback to offset in fact display something to indicate that, for example updating the minimum payment (MBB does this) or showing the cashback as payment received.

Just use Excel, not hard. Some of us use more specialist software, but excel alone good enough if just for tracking of CB.

My wife was holding Visa Sig supp from me, she managed to apply Quantum on RinggitPlus and receive free gift too.

Just go direct to PBB, you can't get any benefit using ringgitplus if you're existing cardholder.

He asking about the standard RM30 cashback not the SN4M.

BigPay problem. I took about 30 minutes to do 16 transactions (2 principles) 2 hours ago.

You can see the chart a LYN-er posted some time back. Can definitely see the time moving earlier and earlier in batches of 4 weeks. That's because suddenly someone will report 'oh I missed Week X cashback even though it was at time Y' and then a whole bunch of users here feel scared and purposely aim for much earlier than Y, thus moving cut-off time earlier.

The first week to start that was week 16 I think, when someone reported missing cashback at 11 or 12. Since then keep getting earlier and earlier.

I'm just glad PBB releases cashback from promo in batches and not wait to one shot at the end of campaign.