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

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fruitie
post Nov 25 2018, 11:45 AM

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QUOTE(beebee1314 @ Nov 25 2018, 11:08 AM)
It's not BT. Flexi-Payment is different
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It's by invitation but apparently even without invitation can apply too.
Refer to BT thread for more information.
fruitie
post Nov 25 2018, 08:20 PM

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QUOTE(nickcct @ Nov 25 2018, 07:44 PM)
Think no chance for me then, didn't receive any msg or email about this.
Probably i may take the BT plan with one time interest, as I looking for longer tenure BT.
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Forummers have successfully applied BT 0% for 12 months even not selected. Check out BT thread.
fruitie
post Nov 28 2018, 09:44 AM

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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
fruitie
post Nov 28 2018, 10:05 AM

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QUOTE(cybpsych @ Nov 28 2018, 09:51 AM)
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.
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.
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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.

QUOTE(tan_aniki @ Nov 28 2018, 09:52 AM)
it doesn't matter 3rd or 4th or even 2nd if the transaction is not posted in your previous month statement, they will calculate whatever posted in your current month statement.
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I understand about this.
fruitie
post Nov 28 2018, 10:14 AM

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QUOTE(cybpsych @ Nov 28 2018, 10:09 AM)
yes you can, email and mobile number can be yours. easy to maintain and get sms otp.  thumbup.gif
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Alright, cool. Thanks for the tips! thumbup.gif
fruitie
post Nov 28 2018, 05:10 PM

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QUOTE(peri peri @ Nov 28 2018, 04:07 PM)
yah meh? big pay no need online to prompt bank for payment?  hmm.gif

i found out my maxis 5g response faster than my celcom at that moment
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Do you know what is 5G? smile.gif
The 5G you were referring to it is from your router - 5GHz not 5G from Maxis which Malaysia still doesn't have. smile.gif

That said I have no issue using any connection with BP.

This post has been edited by fruitie: Nov 28 2018, 05:12 PM
fruitie
post Dec 3 2018, 12:05 AM

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QUOTE(AskarPerang @ Dec 2 2018, 11:57 PM)
I try searching but not able to get a clear answer.
For PBB VS, cash back is based on calendar date (just like MBB) or statement cycle (just like citibank)?
Yet to complete any cycle yet so I would like to I know my statement date. Activated on 20 Nov.
Thank you.
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Statement month. You will see the statement date in the letter which attached your card.
fruitie
post Dec 3 2018, 10:12 PM

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I just realised I spent less RM 17 to earn full cash back RM 38 for my VS. My statement cycle will due today, anything that I can pay and will be posted today? Online transactions only. Urgent and appreciate your advice.

I realised BP is T+1 so will be too late for me. I can't believe I made this blunder. doh.gif
fruitie
post Dec 3 2018, 11:02 PM

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QUOTE(MGM @ Dec 3 2018, 10:39 PM)
Hi sis, only rm1.02 CB. There are more to come. Anyway I just browsed thru my PBB transactions and couldnt find one where transaction n posting dates are the same.
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Yeah, after that I realised only less than RM 1.50. Better saves my energy. laugh.gif

QUOTE(cybpsych @ Dec 3 2018, 10:50 PM)
if u can determine, can try this Grab Taxi Petaling Jaya MY (tried in Sep 2018)

another was shopee thru ipay88 (transacted in Oct 2018)
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Better don't take the risk in this case, not worth it. tongue.gif
Thanks for the kind recommendations! notworthy.gif
fruitie
post Dec 4 2018, 10:40 AM

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QUOTE(metaloid @ Dec 4 2018, 10:12 AM)
Ok nvm. Starting next year its by salary deduction. So no more option to use CC.
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Are you sure? Not that I'm aware of such option. What if people who are not employed?
Option to pay manually is always there.
fruitie
post Dec 4 2018, 02:55 PM

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QUOTE(LostAndFound @ Dec 4 2018, 12:00 PM)
Not sure if you pre-pay they won't deduct (don't think so). It's like your income tax.
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It has to be there, else I cannot enjoy cash back anymore. laugh.gif
fruitie
post Dec 4 2018, 06:48 PM

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QUOTE(David83 @ Dec 4 2018, 03:21 PM)
I think they'll still deduct even you pre-pay or pay in advance.
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doh.gif Honestly I didn't know the deduction is mandatory. doh.gif
I thought I can still manually pay for it and earn cash back, now double deduction if I were to do this. bangwall.gif
fruitie
post Dec 4 2018, 07:45 PM

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QUOTE(Tigerr @ Dec 4 2018, 07:38 PM)
Faster pay back your loan. Many young students waiting the opportunity to go further their studies.
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I'm paying more than required plus earning some cash back from credit cards.
Outstanding is high (RM 50k) and don't want to burden myself now to pay off everything. I'm paying every month 2x more than required monthly installment. Already considered good enough compared to those never pay before. tongue.gif
fruitie
post Dec 4 2018, 11:08 PM

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Received latest statement which is expected with the missing cash back from last cycle due to partial statement.

Just wrote to CS and hopefully it will be credited back to me soon. thumbup.gif
fruitie
post Dec 5 2018, 07:37 AM

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QUOTE(kart @ Dec 5 2018, 06:46 AM)
fruitie sis's genuine concern is that she will lose out on the potential online cashback on the 1x monthly deduction for PTPTN. She still gains online cashback on the additional 1x monthly instalment paid manually.

It is understandable, really. The mandatory monthly deduction is an effective way to force PTPTN defaulters, to pay the monthly loan instalments.    

However, the mandatory monthly deduction unfairly penalizes the diligent people who promptly pay the monthly instalment, manually with credit card to gain online cashback, such as fruitie sis and other well-informed posters in this subforum.

I wonder whether PTPTN will allow borrowers to opt out of mandatory monthly deduction, provided that consistent loan repayments are shown for the last 12 months.  hmm.gif

I guess that there is no such thing, such as a perfect system.
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I searched for this news to read again last night, it's between 2%-15%, I don't know how's it determined. Currently my monthly repayment is around 3% of my income and even the amount may be insignificant every month, I still prefer to pay with CC rather than cash. tongue.gif However, like LostAndFound said probably still can earn cash back, not that much only lo. laugh.gif

Anyhow, still not much details yet. Later check with my payroll team if they know anything about this.

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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Reload into BigPay...

This post has been edited by fruitie: Dec 5 2018, 07:38 AM
fruitie
post Dec 5 2018, 02:20 PM

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QUOTE(vin_ann @ Dec 5 2018, 12:15 PM)
Found in Twitter

user posted image
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Nightmare for me. The max cap. bangwall.gif
OMG. I really hope something can be done for those have been paying diligently, this is really nightmare. Not only my monthly expenses will be increased, my cash back also lost out. With this amount, I won't pay additional anymore. doh.gif
fruitie
post Dec 10 2018, 11:40 AM

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QUOTE(MGM @ Dec 10 2018, 06:54 AM)
Enjoy yourself in UK. thumbup.gif
JUst want to reconfirm, what are the necessary setting for your Digi mobile in order to topup BP in UK?
I intend to use my prepaid Digi in OZ(just to receive OTP without incurring cost) on dual SIM with Digi and Optus(Oz voice&data) and what I was informed is:
Set roaming ON.
Set data roaming OFF.
Set voicemail OFF.
Set Digi data plan > data usage OFF.
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sweat.gif You have asked few times right? Yes, you will receive SMS so long your roaming is activated.
fruitie
post Dec 10 2018, 04:50 PM

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Yeah, received RM 50 too. Last transaction at 12.31 a.m.
fruitie
post Dec 10 2018, 05:52 PM

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QUOTE(sysy @ Dec 10 2018, 05:46 PM)
week 20 - no cash back
1st 7.06am
3rd 7.10am
5th 7.11am
Last 7.13am
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That means it's already finished before 7.10 a.m. That's very competitive..
fruitie
post Dec 10 2018, 05:59 PM

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QUOTE(tan_aniki @ Dec 10 2018, 04:52 PM)
10 DEC 10 DEC SPEND NOW 4 MORE - WK20 50.00 CR

Before 7am
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Any exact timing? unsure.gif

QUOTE(chonghe @ Dec 10 2018, 05:55 PM)
Got WK20 CB RM 50. Last transaction 6:43 a.m.
So meaning CB gone between 6:44-7:10 a.m.
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6.45 still got.

QUOTE(space_boy_88 @ Dec 10 2018, 04:51 PM)
wk 20 cashback RM50 , last transaction 6.45am
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