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.

This post has been edited by stevenkkh: Nov 27 2018, 05:54 PM

Yes, I just regret why I did not pay fully for the mere outstanding of RM500 as I thought the RM500 will be charge 15% interest only but not the new spending for the month.

This is something new which basically means to me if ever there is outstanding for me, I will not spend anymore new transaction if I have not pay in full for previous month.

Yes, learn my lesson, will pay in full from now, need to earn back more cashback to cover back the interest

Just think if you have two card:

1 Master with like 40k LIMIT

1 VS with like 30k LIMIT,

Does this mean each card have their own limit that I can balance transfer out 80% from master and vs from the total limit of 70k or this is actually sharing limit of the highest 40k?

This is so subjective as well depends on how much your spending and what category of spending as VS is till RM688++ to earn RM38.

You have can have HLB WISE, Maybank Barcelona etc....

I thought YOLO all the while also no cash back for BP, nothing new also......

Exactly, pointless to use own lifestyle and whether worthy or not based on own standard as everyone have their own different judgement. And whether fair or not also not within us to judge, let the bank decide.

I feel funny with all this comparison on the minutes and cash, to different people, different amount of cash give different meaning to them.

To someone who spends 15 bucks over for Starbucks, maybe 15 bucks is nothing, meanwhile for another person who spend less than 5 bucks for mixed rice lunch, 15 bucks means 3 meal to them.

Therefore, earning extra 50 bucks a week to even 200 bucks a month means differently to everyone. The same goes to when you see someone queue for 10-30 mins just for a free sample of something, maybe someone will said why such a hassle for that and will that worth it for a mere few bucks sample.

It is a pointless debate whether it is worth it or not as every cent means differently to everyone.

Will this MCC 6540: Non-Financial Institutions – Stored Value Card Purchase/Load for all cards, not only PB?

Anyone have the link to apply for the 12 month bt form? Till when?

Yes, I have the invitation of sms but just cannot find back the sms and the link of the form.

Maybe should ask the operator whether if register now, will the transaction for today be counted if ever PBB said you have not register successfully.

Not really the same campaign coming back as we can see from the balance transfer.

This seems to be normal, quite a few platform have this requirement, only works in mobile apps for codes from credit card provider.

Anyone think the cash back for quantum master is based on transaction date or posting date?

Oic, this is bad as my statement is 15 feb and i did an online transaction yesterday but not appearing till now, therefore my cash back not been obtain for that. mistake for last min......

Exclusive Flexi-Payment Plan Offer
0% for 12 months with minimum purchase of RM1,200
Call: 03-2176 8000 Email: custsvc@publicbank.com.my

Thinking this offer no need pay any one-time upfront handling fee?

Till when this offer?

No issue also with topping up on Bigpay/Boost as no losses for anyone doing this mistake actually as at anyhow they will need to withdraw especially Bigpay with higher withdrawal amount for the same fees.

Nothing much to confirm actually if you ask me as can only be test, calling CS to confirm this and that so called eWallet or even that prepaid card or any form of topup to something similar to ewallet that keeping your cash is just abit pointless.

Bravo, if some like TNG not included, maybe BP which mainly to me is due to how they capture all this kind of eWallet, if some manage to avoid due to the program capturing using MCC code etc then congrats!

This post has been edited by stevenkkh: Jun 24 2019, 03:07 PM