1) when activated vs?

2) what is your existing statement date for quantum?

very likely your actual first statement is in Aug. July is partial month, no statement generated.

from mid-June --> 9th July, that's less 1 statement cycle (partial), so no statement generated.

once u get 9 Aug statement, you only get RM38 cashback for period 10 July - 9 Aug.

for partial cycle from mid-June - 9 July, you need to write to PBB to get the cashback.

i've done this few times, others have done it as well. tedious, but just write to them. pbb is aware of this and so far honoring the cashback for partial-statement cycle.

from what i observed, most of the deduction from RP comes from 3rd party sources (e.g. forums).

pretty obvious RP didnt test all combinations of cards vs ewallets (and across different time/period too because of silent MCC app/revision by bigpay, boost, tng ewallet, etc)

also, any news on changes or announcement, RP post come right after information is shared here


for PBQM, best is still reload to bigpay. if boost need fund, reload from bigpay. simple as that. easier to manage than reload directly to boost and bigpay, respectively.

can

you can see in pbe liao

technically you still can earn points if you need to utilize the CL (if higher than other cards you're having) for emergency cases.

for me, the card's high CL helped me for funeral stuffs, paying for Nirvana lot, etc. last time, there was 9mth 0% Flexipay, good for large spending like renovation, electrical purchases, etc. --- can earn points and convert for installments.

to earn points on purpose, no double-dipping for sure.

not for pbb.

can apply even at 70.

add as favorite

got

check the statement

statement, not account inside pbe

of course you can submit more.

whether the other side gets confused, we dont know.

i guess they will call you to clarify further.

why compare with others? each operate itself, not like they are sharing the same algo or rules to approve


skip the middle-men. apply direct.

no annual fee = no annual fee without condition

zero spending also no annual fee

call cs to find out.

call cs to change.

hmm this promo excludes online transactions. with rm22 cb, that's rm440 spending.

ask him

this?

https://www.pbebank.com/forms/form-pbebank-registration.aspx

you are replying for the sake of replying?

Revision of PB/PIB Credit Card Agreement
- 1 August 2019

Dear Valued Customers,

Kindly be informed that effective 2 October 2019, there will be a revision on Public Bank and Public Islamic Bank Credit Card Cardmember Agreements pertaining to the Minimum Monthly Payment and Finance Charge / Management Fee.

You may retrieve the latest Cardmember Agreements from the links below:

Public Bank Visa/Mastercard Credit Card Cardmember Agreement
Public Bank Visa/Mastercard Co-Branded Credit Card Cardmember Agreement
Public Islamic Bank Visa/Mastercard Credit Card Cardmember Agreement

Thank you.


**Updated PDS as of 2 August 2019**

https://www.pbebank.com/pdf/Cards/pds/pds_credit_pbb.aspx

Minimum Monthly Repayment
- 5% of the outstanding balance as at statement date or a minimum of RM50, whichever is higher.5% of the total Current Balance;
- total amount of Monthly Instalment [including monthly instalments for Auto Balance Conversion (ABC), Zero Interest Instalment Plan (ZIIP), Flexipay, Balance Transfer Plan (BTP)], if any; and
- whole amount in excess when the Current Balance is in excess of the Credit Line, if any; OR
- RM50; whichever is higher.

This post has been edited by cybpsych: Aug 1 2019, 08:09 PM