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

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cybpsych
post Nov 26 2018, 11:44 AM

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QUOTE(sulab @ Nov 26 2018, 11:38 AM)
I am using CC issued by PUBLIC BANK BERHAD. So, I guess it is a COMBINED limit then like you said  sad.gif
I got confused by the way the CL shown in Pbe. I thought it’s separate CL.

Was planning to increase little bit of PB VS’s CL to apply BT for PTPTN settlement. With current CL, BT’s amount would be around 85% CL  sad.gif  sad.gif  . I guess it can’t be done then.

Thank you for your kind replies forummers  rclxms.gif
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overall cl is combined.

however, different/lower card have its own sub-CL too, which is why it seems "separate" CL to you if the amount looks different.
cybpsych
post Nov 26 2018, 12:20 PM

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PB Privileges @ Miniso [ PBB | T&Cs ]

user posted image
cybpsych
post Nov 26 2018, 03:32 PM

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PB Visa Privileges @ Get Protected When Shop on Shopee [ PBB | T&Cs ]

user posted image
cybpsych
post Nov 26 2018, 03:40 PM

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QUOTE(joel86 @ Nov 26 2018, 03:37 PM)
Hi all,just wonder for klook website purchase is it entitle cash back?
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what does post #4 says?
cybpsych
post Nov 26 2018, 04:40 PM

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QUOTE(joel86 @ Nov 26 2018, 04:34 PM)
Only klook app entitle cash back?
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tested and reported.

if no reports for klook web, you can try yourself and share with us the cashback results later.
cybpsych
post Nov 26 2018, 09:28 PM

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QUOTE(wilson1149 @ Nov 26 2018, 08:22 PM)
How can i link my supp cards to my PBE?

Error Code : (.008.2B.1809317718)
Transaction Unsuccessful.
This transaction involves an invalid account.

Our Operating Hours are 12:15 a.m. - 12 midnight.
Please call our Customer Service Representative at 603-2179 9999 if you require further information.
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combined or separate statement?
cybpsych
post Nov 26 2018, 09:41 PM

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QUOTE(mrsmytb @ Nov 26 2018, 09:40 PM)
Hi there, need your assistance.

Which is the best credit card for public bank ya?

user posted image
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read post #2 and #3

This post has been edited by cybpsych: Nov 26 2018, 09:41 PM
cybpsych
post Nov 26 2018, 09:54 PM

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QUOTE(mrsmytb @ Nov 26 2018, 09:49 PM)
PB Visa Signature & PB Quantum?
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for PBB, yes

since we don't know what u want, head over here >> https://forum.lowyat.net/topic/4161836 , use template in post #2, and perhaps someone can further recommend other cards that suits your speeding needs.
cybpsych
post Nov 27 2018, 10:55 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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there specific mcc for these outlets, more like clothing/fashion/sports apparel categories.

QV only accepts Departmental, which is GMS (general merchandise store) which provides variety of products like fashion, household items, electrical appliances, etc.
cybpsych
post Nov 27 2018, 12:40 PM

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QUOTE(MGM @ Nov 27 2018, 12:28 PM)
There was 1 Chinese medicine megashop that was classified as Dept store in PJ but it has moved.
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these outliers better not mixed into the discussion, users would get confused.
cybpsych
post Nov 27 2018, 01:57 PM

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QUOTE(sweetpea123 @ Nov 27 2018, 01:51 PM)
Fair enough, but getting at least 5% off EVERYTHING including insurance premiums and college fees is just too good to ignore
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not everyone's spending is the same though, and some just ok with the current cc without reliance to BP biggrin.gif
cybpsych
post Nov 27 2018, 06:39 PM

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QUOTE(stevenkkh @ Nov 27 2018, 05:54 PM)
Today, I found a very weird issue, I have not manage to pay fully for a month but the interest charges of 15% shock me as roughly I am outstanding around RM500 but the interest is RM90++. This is the response that I have from them:

We would like to inform that your payment for October 2018 statement's outstanding balance was not in full resulted all new transactions to be calculated for finance charge starting from the posting date of the transaction.

This basically means on 5 Nov, I settle partial of my outstanding to min payment to outstanding balance RM500 bringing forward for next statement, to my shock my new spending for the next billing of RM9K with the balance of RM500 is charge together with the 15% interest.

I am just curious is this the way interest been charge actually.
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iinm, that's how it's being calculated, not just outstanding amount but all new transactions. u literally lose the interest-free benefit.

I see many have this perception and goes into the trap.

thanks for sharing.
cybpsych
post Nov 28 2018, 09:51 AM

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QUOTE(fruitie @ Nov 28 2018, 09:44 AM)
I'm confused a bit, maybe early morning still can't think straight yet. laugh.gif

If statement date is 3rd every month, my new cash back cycle starts on 3rd or 4th? If any transactions transacted and posted on 3rd will still include in this month's statement or following month? biggrin.gif
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4th

posting on 3rd still counted for current cycle's cb.

if u know the merchant's posting is T+1, you can swipe on the 3rd and it'll be counted for next cycle instead.


QUOTE(wilson1149 @ Nov 28 2018, 09:18 AM)
separate statement bro
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you cant link to your pbe. the supp cardholder need to have his/her own PBe to view the supp card (imo, it's better. just open BSA, without fee, and put min rm20 holding balance).

iirc, someone somehow can link supp card (separate statement) to his/her own pbe, not sure how this is done, but so far with my few supp cards, not able to do so.

This post has been edited by cybpsych: Nov 28 2018, 09:54 AM
cybpsych
post Nov 28 2018, 10:09 AM

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QUOTE(fruitie @ Nov 28 2018, 10:05 AM)
Thanks. Clear now.

Talking about supplementary cards (separate statement), assuming if I don't want to register any PBe account for them, I can still put my email address so that I can receive the monthly statement right? I plan to get a supplementary card for my mum and haven't found time to do it. I will do it during my 3 weeks plus break next month.
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yes you can, email and mobile number can be yours. easy to maintain and get sms otp. thumbup.gif
cybpsych
post Nov 28 2018, 05:01 PM

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// 28 NOV 28 NOV SPEND NOW 4 MORE - WK17 50.00 CR //
cybpsych
post Nov 28 2018, 05:18 PM

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QUOTE(allen6279 @ Nov 28 2018, 05:14 PM)
no cb for wk17
first otp at 09.49
last otp at 10.02
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QUOTE(hwachong @ Nov 28 2018, 05:15 PM)
top up between 9:24 to 9:31 no CB
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recheck your pbe again later tonight. sometimes, i see the acct update is not the same.
cybpsych
post Nov 28 2018, 06:38 PM

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QUOTE(minthiam @ Nov 28 2018, 06:24 PM)
Top between 8:53AM and 9:20AM and only able to get RM25
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when was 5th transaction?
cybpsych
post Nov 28 2018, 07:35 PM

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QUOTE(ckweng @ Nov 28 2018, 07:01 PM)
I also received partial rebate (RM15) and finished transactions at around the same time as you.
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3rd and 5th transaction time?
cybpsych
post Nov 29 2018, 02:05 PM

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QUOTE(joevo2 @ Nov 29 2018, 01:20 PM)
Anyone tried this? So now can use Quantum for petrol 😂 https://www.setel.my but unverified whether can get CB or not
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yes, got cashback.

description is not petronas or setel, but this >> WEBONLINE *xxxxxxxxxxx KELANA JAYA MY, whereby xxxx is some random string.


even can use QM/VS > bigpay > setel app too biggrin.gif
cybpsych
post Nov 29 2018, 04:35 PM

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QUOTE(laith @ Nov 29 2018, 04:33 PM)
Looks like the cashback quota is running out after 9am.
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that's for week17, more than 1 month ago.

imagine the quota utilization for this and coming weeks rclxub.gif

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