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.

Hi, has anybody missed payment due date for 2-3 days before? Just wondering if there's an unofficial "grace period" after due date, before late payment fee will be charged by PB?

For those who have supplementary card(s), is the credit limit the maximum chargeable limit on the card? My supp card's transactions kept being denied by PB at around 60-70% utilisation of the card's prescribed credit limit.

3rd transaction what time?

No upfront fee?