QUOTE(lbh @ Jul 1 2019, 03:06 PM)
NOCredit Cards Public Bank Credit Cards V6, PB Visa Sig 6% & Quantum 5% Cash Back
Credit Cards Public Bank Credit Cards V6, PB Visa Sig 6% & Quantum 5% Cash Back
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Jul 1 2019, 03:08 PM
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636 posts Joined: Dec 2011 |
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Jul 1 2019, 03:09 PM
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62,911 posts Joined: Jan 2003 |
QUOTE(lbh @ Jul 1 2019, 03:06 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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Jul 1 2019, 03:18 PM
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#23
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16,387 posts Joined: Oct 2010 |
QUOTE(kelvinlzy @ Jul 1 2019, 02:12 PM) [attachmentid=10274110] Which mean PBB is not following their own sop. Good to know.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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Jul 1 2019, 03:25 PM
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41 posts Joined: Jul 2011 |
QUOTE(cybpsych @ Jul 1 2019, 03:09 PM) dont have to wonder. just read. Thanks for the clear statement !!// 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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Jul 1 2019, 04:24 PM
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407 posts Joined: Oct 2017 |
QUOTE(kelvinlzy @ Jul 1 2019, 02:12 PM) [attachmentid=10274110] 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?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. 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 |
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Jul 1 2019, 04:29 PM
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1,534 posts Joined: Sep 2006 From: Penang |
QUOTE(cybpsych @ Jul 1 2019, 03:09 PM) dont have to wonder. just read. for PBB exisitng card holder, need 2 years !! // 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.// other bank take 6 month -1 year |
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Jul 1 2019, 04:29 PM
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62,911 posts Joined: Jan 2003 |
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? t&c similar to https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx >> applicable to ALL pbb cardshttps://ringgitplus.com/en/easy-payment-pla...xipay-Plan.html https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx but the 0% 12mth is ONLY applicable to Quantum cards. QUOTE(paogeh @ Jul 1 2019, 04:29 PM) so? dont apply lorThis post has been edited by cybpsych: Jul 1 2019, 04:30 PM |
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Jul 1 2019, 04:35 PM
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Junior Member
407 posts Joined: Oct 2017 |
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 I see, thanks! Strange that I can't find much info on this on PBE website. but the 0% 12mth is ONLY applicable to Quantum cards. Do you know if there is a max cap? I assume min is RM1k? |
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Jul 1 2019, 04:40 PM
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963 posts Joined: Sep 2005 From: Selangor |
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Jul 1 2019, 04:42 PM
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407 posts Joined: Oct 2017 |
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Jul 1 2019, 04:48 PM
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62,911 posts Joined: Jan 2003 |
QUOTE(ayamback @ Jul 1 2019, 04:42 PM) did u even open up the link and read? >> https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspxthere 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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Jul 1 2019, 04:52 PM
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8,856 posts Joined: Feb 2006 |
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Jul 1 2019, 05:26 PM
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7,343 posts Joined: Mar 2009 |
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Jul 1 2019, 06:14 PM
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2,261 posts Joined: Jul 2008 From: マレーシア |
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Jul 1 2019, 07:08 PM
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67,997 posts Joined: Sep 2005 From: KUL/BKK |
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Jul 2 2019, 01:22 AM
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754 posts Joined: Dec 2016 |
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 I'm also a little confused here. For Quantum cards,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 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 |
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Jul 2 2019, 07:47 AM
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62,911 posts Joined: Jan 2003 |
QUOTE(2387581 @ Jul 2 2019, 01:22 AM) I'm also a little confused here. For Quantum cards, flexipay with the upfront fee, i guess that's the calculation. not sure exactly because i would avoid it. 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? for quantum flexipay, yes. equal split to 12 months. no additional fee. |
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Jul 2 2019, 08:02 AM
Show posts by this member only | IPv6 | Post
#38
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Senior Member
825 posts Joined: Apr 2010 From: Sri Petaling |
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Jul 2 2019, 08:47 AM
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Junior Member
407 posts Joined: Oct 2017 |
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 QUOTE(tan_aniki @ Jul 1 2019, 04:52 PM) Of course I did read 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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Jul 2 2019, 08:50 AM
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62,911 posts Joined: Jan 2003 |
QUOTE(ayamback @ Jul 2 2019, 08:47 AM) Of course I did read i've done many. posted many times here.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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