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Credit Cards Public Bank Credit Cards V6, PB Visa Sig 3% & Quantum 2% Cash Back

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GrumpyNooby
post May 2 2020, 05:22 PM

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QUOTE(!@#$%^ @ May 2 2020, 05:19 PM)
yes
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QUOTE(zenquix @ May 2 2020, 05:19 PM)
yes. that's y i recommend put the card on ice until the next statement date, after settling all balances (statemented + unbilled)
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Then what the CS told him is not accurate as well.
CS told him that the interest charge is based on RM 25k but he also mentioned that he has unbilled transactions accumulated to RM 10k plus
So the RM 350 interest should cover both area right?
GrumpyNooby
post May 2 2020, 05:38 PM

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QUOTE(choco_ice @ May 2 2020, 05:34 PM)
Unbilled means not appear in last statement, it will only billed in next statement.

In this example, statement balance is RM25k, assuming the lowest tier of finance chances 15%pa, it will be around RM300+
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For 30 days, with a statement balance of RM 25k and the financial interest rate is at 15% pa as he mentioned, the financial interest is roughly about RM 312.50 but he was charged RM 350.

I believe the late payment fee should be charged separately in another entry/row. Since he has paid more than min payment, there shouldn't be late payment fee.

And some said that if you missed payment, new unbilled transaction but posted (viewable in online ledger) loses the interest free period and shall attract financial interest too.

This post has been edited by GrumpyNooby: May 2 2020, 05:41 PM
GrumpyNooby
post May 2 2020, 05:52 PM

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Interesting info I found from CIMB website:

Finance Charges Free Period

Full payment on previous statement balance:
-> Enjoy an interest-free period of 20 days for all new retail transactions from statement date.

Partial or minimum payment on previous statement balance:
-> No interest-free period.
-> A finance charge will be levied on your unpaid outstanding balance and all new transactions from the date the transactions are posted.

This post has been edited by GrumpyNooby: May 2 2020, 05:52 PM
GrumpyNooby
post May 2 2020, 06:00 PM

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QUOTE(Human Nature @ May 2 2020, 05:56 PM)
This is what I understand all this while too.
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I'm in sync with you.
I doubt that banks are so generous.
That's why the bill/statement got transaction date and posting date.


GrumpyNooby
post May 2 2020, 07:13 PM

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Fuh ... just completed RM 80 x 10.
Hope to win RM 100.
It's so challenging to complete by one person.
GrumpyNooby
post May 2 2020, 07:58 PM

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QUOTE(!@#$%^ @ May 2 2020, 07:55 PM)
how
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Go figure yourself.
It needs to be contactless.
I have started to wave since Day 2 of the campaign launched.
GrumpyNooby
post May 2 2020, 08:04 PM

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QUOTE(tan_aniki @ May 2 2020, 08:01 PM)
again, no one gonna compete with this campaign as if you don't need the vacuum cleaner, not buying it is better than you buy it at half price
even if you want to resell it, it's your effort to sell it at least RM70 each in order to cover your fund
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As I said earlier, I don't spend aimlessly.
All my taps are planned properly in accordance to my daily usage/necessity.
All swipes amount have been paid as I don't want to be trapped with financial charges in the event of missed payment.


QUOTE(Ramjade @ May 2 2020, 08:02 PM)
What promo is that?
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user posted image

This post has been edited by GrumpyNooby: May 2 2020, 08:06 PM
GrumpyNooby
post May 2 2020, 08:09 PM

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QUOTE(Ramjade @ May 2 2020, 08:08 PM)
Thanks I have already canceled my PB Q visa card.
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PB Quantum Visa is not eligible for the campaign.
No difference to you.
GrumpyNooby
post May 3 2020, 06:45 PM

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QUOTE(MasBoleh! @ May 3 2020, 06:42 PM)
Quantum Mastercard now eligible for VIP Points?

VIP Points
• 1x VIP Point for other retail spend (local)
• 2x VIP Points for other retail spend (overseas)
• Expiry for VIP Points is three (3) years
Thank you
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Yes, as long as the transaction doesn't earn cash back (mainly online) excluding those under exclusion list.
GrumpyNooby
post May 3 2020, 06:56 PM

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QUOTE(MasBoleh! @ May 3 2020, 06:50 PM)
If I buy something...then straight call CS to convert my purchase to PB Flexipay Plan, 12 months. Still eligible for the VIP points?
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Maybe the purchase before conversion will get VIP; the monthly installment won't get:

PB Quantum Mastercard Credit Card
 Earn 2 VIP Points with every Ringgit spent on other retail transactions abroad
 Earn 1 VIP Point with every Ringgit spent on other retail transactions locally
 Expiry for VIP Points is three (3) years

Note: Other retail transactions exclude online, casino (MCC 7995), petrol station(MCC 5541 & 5542), cash advances, balance transfer, transactions at University Tunku Abdul
Rahman and Tunku Abdul Rahman University College campus, government-related payments (MCC 9211, 9222, 9223, 9399, 9311, 9402 & 9405), payments to charity (MCC
8398), payments via www.pbebank.com and ATM.

GrumpyNooby
post May 3 2020, 07:40 PM

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QUOTE(MasBoleh! @ May 3 2020, 07:34 PM)
Thank you. I think PBB Zero Interest Installment Plan also similar. But...

Public Bank Zero Interest Installment Plan
https://ringgitplus.com/en/easy-payment-pla...lment-Plan.html
https://www.pbebank.com/pdf/Promotions/ziip.aspx
I can't find the list of the Principal Merchant(s)

I google search further only found the following link PBB official site but it is only for Malaysian Airlines
https://www.pbebank.com/Personal-Banking/Pr...malaysiaai.aspx
https://www.pbebank.com/pdf/Promotions/tc_ziip-mas.aspx
And the differences between the Exclusive Flexi-Payment Plan Offer and Public Bank Zero Interest Installment Plan is

Flexi Payment Plan can convert any spending RM 1,200 and above to 12 months instalment while PBB Zero Interest Installment Plan require customers to purchase RM 500 and above product from the "selected" bank appointed Principal Merchants to be eligible. Right???
So, from what I understand, if no earn CB but then I convert to flexi pay, the VIP Points retained just as Grumpy pointed out, the subsequent installment payments will not entitle for VIP Points. Right?
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It is very simple.

If I buy item A from off-line shop with PB Quantum Mastercard, you won't earn cash back but you'll earn VIP points.
If I buy item A from online shop with PB Quantum Mastercard, you may or will get cash back if OTP input received.

Converting the purchase to Flexipay won't earn any VIP.
Buying item A at physical using ZIIP at the store may earn VIP (not sure as in lump sum or in monthly installment).

The idea is to assess if your purchase will earn cash back or not. If earn cash back, then no VIP awarded and otherwise.

This post has been edited by GrumpyNooby: May 3 2020, 07:42 PM
GrumpyNooby
post May 4 2020, 12:35 PM

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No problem with the PBe app.
GrumpyNooby
post May 4 2020, 04:51 PM

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QUOTE(CALexChai @ May 4 2020, 04:47 PM)
Hi all, let say I apply pbb cc thru ringgit plus, will I still entitle for the new card user free gift with pbb?
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No.
GrumpyNooby
post May 5 2020, 08:44 AM

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QUOTE(sharkzt @ May 5 2020, 08:41 AM)
Hi, im new to quantum cards. If my statement cycle will be on 15th of each month, so the cashback will be calculated from. 16th of the previous month to 14th? Or from 1st to 30/31 of each month?
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Statement month

GrumpyNooby
post May 5 2020, 11:30 AM

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QUOTE(sharkzt @ May 5 2020, 11:13 AM)
I see. And which e-wallet eligible for cb?
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Page #1
GrumpyNooby
post May 5 2020, 12:50 PM

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QUOTE(OptimusStar @ May 5 2020, 12:45 PM)
Guys , anyone manage to link public bank to m2u website and use it?
Manage to link it but the CS telling me cannot use it , which i find it dumb feature if thats true.
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Link what to what?

Use for what in M2U?

This post has been edited by GrumpyNooby: May 5 2020, 12:51 PM
GrumpyNooby
post May 5 2020, 01:07 PM

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QUOTE(ClarenceT @ May 5 2020, 01:05 PM)
Yes, I did it many years ago (then with a PB Gold card) but I never use it again.
Can be used for a few payees only (just like UOB Payonline), not equal to Maybank CC.
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This feature needs approval by Maybank2u
Old Maybank2u can view the status.

1. Comprehensive selection of payee corporations: pay over 1,000 bills through direct debit of your Maybank account, 90 bills by credit card, 118 payee corporations through payment at their websites via Maybank2u.com
2. Pay bills at the convenience of your own home or office
3. Saves time and helps you settle your bills before the deadline
4. Choose to schedule your bill payments to avoid late payments
5. Pay bills with up to 4 credit cards from other local banks, as long as the credit cards are registered under your own name
6. Convenient and easy online registration. You don't even need a Maybank account if you're paying by credit card

List of payees: https://www.maybank2u.com.my/mbb_info/m2u/p...cntKey=ACC06.07

This post has been edited by GrumpyNooby: May 5 2020, 01:10 PM
GrumpyNooby
post May 5 2020, 06:59 PM

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QUOTE(Davidtcf @ May 5 2020, 06:57 PM)
Hi all, want to ask how to register my hand phone number to get sms from public bank.

I have been using the Quantum cards for months now yet did not get a single sms from them.. Even if about statement being ready.

Went to PBe website at profile maintenance page it say I don't have rights to the function?

I registered for the cards via online. Anyone can advise?
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Do you able to receive TAC (OTP)?
GrumpyNooby
post May 5 2020, 07:31 PM

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QUOTE(Davidtcf @ May 5 2020, 07:12 PM)
I see.. Means need to go branch..
OTP I got receive as normal.
Thanks guys.

Also for this recent campaign.. Anyone got your unique id sms already (stated at bottom of the site). I have not got mine even after reaching the amount last month for both cards. Do I have to call CS?
https://dcode.3ex.com.my/pbb
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To receive/fix for PAC, please visit nearest branch.

TAC (OTP) and PAC are not the same.

This post has been edited by GrumpyNooby: May 5 2020, 07:32 PM
GrumpyNooby
post May 7 2020, 06:45 PM

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QUOTE(janson_kaniaz @ May 7 2020, 06:44 PM)
I applied PB VI but since there’s no option to unselect PB WMC i just put a note in the email to notify them to remove PB WMC from my application. Is that sufficient?
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Heard that it will come in pairs.

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