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Credit Cards Public Bank Credit Cards V6, PB Visa Sig 6% & Quantum 5% Cash Back

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kino318
post Jul 1 2019, 03:08 PM

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QUOTE(lbh @ Jul 1 2019, 03:06 PM)
Wonder if we apply through ringgitplus .... we still entitle for the rewards from public bank ?
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NO
cybpsych
post Jul 1 2019, 03:09 PM

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QUOTE(lbh @ Jul 1 2019, 03:06 PM)
Wonder if we apply through ringgitplus .... we still entitle for the rewards from public bank ?
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dont have to wonder. just read.

// 3. The following persons are excluded from participating in the Campaign: -

3.1 Existing Public Bank / Public Islamic Bank (“PB/PIB”) Principal Credit Cardmember;
3.2 Former PB/PIB Principal Credit Cardmembers who have cancelled his/her PB/PIB Credit Card within two (2) years from the date of current application;
3.3 Employees of the Public Bank Group, its advertising agencies, their immediate families or any other persons connected with the administration of the Campaign;
3.4 Any PB/PIB Cardmembers applied via Direct Sales channel or Ringgit Plus channel.//


MGM
post Jul 1 2019, 03:18 PM

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QUOTE(kelvinlzy @ Jul 1 2019, 02:12 PM)
[attachmentid=10274110]
So I would like to show my example here since some folks here wanted to know. So I topped up RM1.5k to BP on 28 Apr, statement generated on 2nd May, payment due on 22nd May, I called up CS on 14th May and said wanted to convert that RM1.5k to FPP, approved and showed in PBE on 16th May, CS said no need to pay anything when comes 22nd May, so another statement being generated on 2nd June, I will need to pay the first instalment which is RM125 on 22nd June.

TL;DR, I managed to extend my first FPP payment to around 55 days. Max is 80 days if you really plan it out.
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Which mean PBB is not following their own sop. Good to know.
lbh
post Jul 1 2019, 03:25 PM

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QUOTE(cybpsych @ Jul 1 2019, 03:09 PM)
dont have to wonder. just read.

// 3. The following persons are excluded from participating in the Campaign: -

3.1 Existing Public Bank / Public Islamic Bank (“PB/PIB”) Principal Credit Cardmember;
3.2 Former PB/PIB Principal Credit Cardmembers who have cancelled his/her PB/PIB Credit Card within two (2) years from the date of current application;
3.3 Employees of the Public Bank Group, its advertising agencies, their immediate families or any other persons connected with the administration of the Campaign;
3.4 Any PB/PIB Cardmembers applied via Direct Sales channel or Ringgit Plus channel.//

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Thanks for the clear statement !!
ayamback
post Jul 1 2019, 04:24 PM

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QUOTE(kelvinlzy @ Jul 1 2019, 02:12 PM)
[attachmentid=10274110]
So I would like to show my example here since some folks here wanted to know. So I topped up RM1.5k to BP on 28 Apr, statement generated on 2nd May, payment due on 22nd May, I called up CS on 14th May and said wanted to convert that RM1.5k to FPP, approved and showed in PBE on 16th May, CS said no need to pay anything when comes 22nd May, so another statement being generated on 2nd June, I will need to pay the first instalment which is RM125 on 22nd June.

TL;DR, I managed to extend my first FPP payment to around 55 days. Max is 80 days if you really plan it out.
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This is 0% interest and 0% upfront handling fees? Where can I find more info about this? The only info on FPP I can find is the one below but there's a certain % of handling fees?
https://ringgitplus.com/en/easy-payment-pla...xipay-Plan.html

https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx

This post has been edited by ayamback: Jul 1 2019, 04:25 PM
paogeh
post Jul 1 2019, 04:29 PM

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QUOTE(cybpsych @ Jul 1 2019, 03:09 PM)
dont have to wonder. just read.

// 3. The following persons are excluded from participating in the Campaign: -

3.1 Existing Public Bank / Public Islamic Bank (“PB/PIB”) Principal Credit Cardmember;
3.2 Former PB/PIB Principal Credit Cardmembers who have cancelled his/her PB/PIB Credit Card within two (2) years from the date of current application;
3.3 Employees of the Public Bank Group, its advertising agencies, their immediate families or any other persons connected with the administration of the Campaign;
3.4 Any PB/PIB Cardmembers applied via Direct Sales channel or Ringgit Plus channel.//

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for PBB exisitng card holder, need 2 years !!
other bank take 6 month -1 year
cybpsych
post Jul 1 2019, 04:29 PM

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QUOTE(ayamback @ Jul 1 2019, 04:24 PM)
This is 0% interest and 0% upfront handling fees? Where can I find more info about this? The only info on FPP I can find is the one below but there's a certain % of handling fees?
https://ringgitplus.com/en/easy-payment-pla...xipay-Plan.html

https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx
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t&c similar to https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx >> applicable to ALL pbb cards

but the 0% 12mth is ONLY applicable to Quantum cards.


QUOTE(paogeh @ Jul 1 2019, 04:29 PM)
for PBB exisitng card holder, need 2 years !!
other bank take 6 month -1 year
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so? dont apply lor

This post has been edited by cybpsych: Jul 1 2019, 04:30 PM
ayamback
post Jul 1 2019, 04:35 PM

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QUOTE(cybpsych @ Jul 1 2019, 04:29 PM)
t&c similar to https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx >> applicable to ALL pbb cards

but the 0% 12mth is ONLY applicable to Quantum cards.

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I see, thanks! Strange that I can't find much info on this on PBE website.
Do you know if there is a max cap? I assume min is RM1k?
shinichi88
post Jul 1 2019, 04:40 PM

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ayamback
post Jul 1 2019, 04:42 PM

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QUOTE(shinichi88 @ Jul 1 2019, 04:40 PM)
user posted image
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So there's at least 1% upfront handling fees!
cybpsych
post Jul 1 2019, 04:48 PM

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QUOTE(ayamback @ Jul 1 2019, 04:42 PM)
So there's at least 1% upfront handling fees!
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did u even open up the link and read? >> https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx

there are 2 types:

1) standard flexipay > https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx
2) quantum flexipay > 0% 12mth, min rm1.2k
tan_aniki
post Jul 1 2019, 04:52 PM

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QUOTE(ayamback @ Jul 1 2019, 04:42 PM)
So there's at least 1% upfront handling fees!
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you didn't read the sentence above the table?
annoymous1234
post Jul 1 2019, 05:26 PM

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QUOTE(hitch80 @ Jul 1 2019, 08:10 AM)
Sure, thanks
But did you get cashback for last month reload like I did?
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I just received my statement. tng ewallet got cashback. maybe u can post ur statement here for us to check?
raul88
post Jul 1 2019, 06:14 PM

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QUOTE(fruitie @ Jun 30 2019, 09:50 PM)
Did you check the status via IVR?
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whats IVR sis?

I already email them since no reply from them whatsoever
cos if they want to reject my application,they can just tell me earlier
i can apply from another bank
fruitie
post Jul 1 2019, 07:08 PM

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QUOTE(raul88 @ Jul 1 2019, 06:14 PM)
whats IVR sis?

I already email them since no reply from them whatsoever
cos if they want to reject my application,they can just tell me earlier
i can apply from another bank
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Interactive Voice Response. Call this no.: 03-21768000, after language selection, press 3.
2387581
post Jul 2 2019, 01:22 AM

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QUOTE(cybpsych @ Jul 1 2019, 04:48 PM)
did u even open up the link and read? >> https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx

there are 2 types:

1) standard flexipay > https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx
2) quantum flexipay > 0% 12mth, min rm1.2k
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I'm also a little confused here. For Quantum cards,
So if I spend RM1000 and want to FPP 12 months, I need to pay 3% upfront charges. Which means upfront RM30 + RM83.33 x 12 = RM1030 over 12 months
Otherwise I spend RM1200 and FPP 12 months, I enjoy 0%. Which means I pay RM100/month only = RM1200 over 12 months
Like that correct?

This post has been edited by 2387581: Jul 2 2019, 01:23 AM
cybpsych
post Jul 2 2019, 07:47 AM

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QUOTE(2387581 @ Jul 2 2019, 01:22 AM)
I'm also a little confused here. For Quantum cards,
So if I spend RM1000 and want to FPP 12 months, I need to pay 3% upfront charges. Which means upfront RM30 + RM83.33 x 12 = RM1030 over 12 months
Otherwise I spend RM1200 and FPP 12 months, I enjoy 0%. Which means I pay RM100/month only = RM1200 over 12 months
Like that correct?
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flexipay with the upfront fee, i guess that's the calculation. not sure exactly because i would avoid it. biggrin.gif

for quantum flexipay, yes. equal split to 12 months. no additional fee.
iamshf
post Jul 2 2019, 08:02 AM

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https://www.pbebank.com/Personal-Banking/Pr...e-e-Vouche.aspx

New campaign
ayamback
post Jul 2 2019, 08:47 AM

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QUOTE(cybpsych @ Jul 1 2019, 04:48 PM)
did u even open up the link and read? >> https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx

there are 2 types:

1) standard flexipay > https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx
2) quantum flexipay > 0% 12mth, min rm1.2k
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QUOTE(tan_aniki @ Jul 1 2019, 04:52 PM)
you didn't read the sentence above the table?
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Of course I did read doh.gif
What's confusing is, some banks will say 0% interest rate but certain % of management fees or whatever fees they wanna call it.
This Public Bank is the same too, which is why I'm asking here to see what you guys have experienced.
So is it 0% interest and 0% management fees for Quantum cards? I would like to hear from people who actually took that Flexipay with Quantum, not someone who just read the first line but never tried it before.
cybpsych
post Jul 2 2019, 08:50 AM

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QUOTE(ayamback @ Jul 2 2019, 08:47 AM)
Of course I did read  doh.gif
What's confusing is, some banks will say 0% interest rate but certain % of management fees or whatever fees they wanna call it.
This Public Bank is the same too, which is why I'm asking here to see what you guys have experienced.
So is it 0% interest and 0% management fees for Quantum cards?  I would like to hear from people who actually took that Flexipay with Quantum, not someone who just read the first line but never tried it before.
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i've done many. posted many times here.

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