Sorry quick question for Quantum Master....

Last Statement Date : 11-04-2020

I topup BigPay on 12 APR (its under unbilled transaction now) amount RM600 means already will get RM30 cashback on May statement right?
So next usage need to be done after 11 May 2020?

Sometimes i get confused so i topup twice in a month...

>RM350, 10% CB on 15-3-2020

Ho Sifu's just not CC service called to me to confirm some question.So i tried to ask again if my statement is 2nd of may if today i spend is it consider april statement for May statement, they said it is may statement.
But the last call i receive they say 1st of may is consider as apirl statement

Hi Sifu , May I know how to use visa contactless in the bank counter pertaining FD

Many thanks

just asking for PBB VS
if i enroll the RM80 X10 swipe , and get RM100
==> RM800 .
in this case , i swipe grocery ,
i still get the RM38 CB too , right ?

yup, thanks for the confirmation
may alot of CC campaign ....
YOLO -UM6 - swipe RM500/100
PBB - rm80x10
MBB Barcelona RM1000 swipe .
SO many details to remember .....

i think PBB RM80 and RM150 less ppl swiping during MCO, should be easy to get

can u share which hypermarket cash voucher purchase is under grocery rather than departmental?

i don't think during MCO hypermarket open those counter for u to buy cash voucher, they only serve u groceries, not voucher

may i know what campaign is this ? thanks

Public Bank Quantum Visa vs Maybank2card Amex. Which would be more benefits for daily use? mainly spending on groceries, fast food/restaurant, petrol, shopping, Telco postpaid, and others.

May I know what promo is this? Pbb rm80 x 10.

Please check ur interest charges if u have with the credit cards. Just got off the phone with call center. Last statement 20 Mar I paid full statement minus like rm100 short but they charged me full interest on my entire Mar statement amount so I was charged a few hundred in interest

I'm not sure if I heard it wrong that agent said if any amount not paid in full, the entire interest at 15% pa of full atatement was charged to me and thats their practice

I was told to fully pay off my current latest statement 20 Apr then only call back to call center to request for a waiver of the previous interest charged for my previous statement 20 Mar

Anyone face this issue ?

OK let me explain, my 20 march statement was 25k, I paid 24.9k before the due date. When interest was tabulated it was counted as 15% of 25k. Shouldnt it be on 15% of rm100 onky since i paid 24.9k bedore the due date ?

Previous statement paid in full before due date also

No interest-free period even though it is unbilled.
Bank Negara revised the rule in 2007-2008 if I am not wrong. Your mindset is pre-2007 rule.

Wow thats crazy. Yeah I've never paid interest before cos always settle in full, I guess I missed the announcement

Nope 24.9k is what I paid of the previous 25k statement. So I was only short of rm100 on paying my full statement but my interest was charged this month at about 350

Unbilledntransactions was about 10k which was not atatemented yet

He said:
1. Statement balance = RM25k.
2. Paid 24.9k before due date. RM100 short.

But the interest charged 15% of 25k in total. 

3. INTEREST CALCULATION METHOD
i. Finance Charge is imposed on Outstanding Cash Advance transaction Balance from transaction date until full repayment.
ii. Finance Charge is imposed on Outstanding Non Cash Advance Balance that is not paid by due date of the respective Statement, calculated from Due Date until full repayment.
iii. The formula used for computation for Finance Charge :
f = (B) x (P/D) x R where
f is the total finance charge imposed for month
B is the Balance that is imposed with finance charge
P is the interest bearing Period in days
D is the number of days used as base for annual rate
R is the nominal finance charge annual rate stated

Interest charges is always based on total outstanding balances (as per statement), it will never calculate based on remaining statement balances, this is the industry practice. Always settle your statement total outstanding balances in full.