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

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ClarenceT
post Apr 29 2020, 12:16 PM

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

This post has been edited by ClarenceT: Apr 29 2020, 12:16 PM


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ClarenceT
post Apr 29 2020, 12:23 PM

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QUOTE(GrumpyNooby @ Apr 29 2020, 12:22 PM)
What does it mean for >RM350?
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RM0.00 PB Card: Get 10% CashBack with RM350 spend using your PB Visa Credit Card. T&C @ https://www.pbebank.com/Personal-Banking/Pr.../spend0220.aspx
ClarenceT
post May 2 2020, 01:11 PM

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QUOTE(ruben7389 @ May 2 2020, 01:06 PM)
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 ?
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All new transactions (after 20/3) also kena interest, do you know it? So always pay the statement balance!
ClarenceT
post May 2 2020, 01:34 PM

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QUOTE(ruben7389 @ May 2 2020, 01:31 PM)
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 ?
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How much did you spend on 20/3 to 20/4? Interest charged on unbilled transactions as well.
ClarenceT
post May 2 2020, 01:44 PM

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QUOTE(ruben7389 @ May 2 2020, 01:40 PM)
Yrs I did have tramsactions unbilled, but wouldn't that be only billed and due next statement? I technically shouldn't be charged for interest on transactions if I'm not atatemented for it yet right?
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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.
ClarenceT
post May 2 2020, 01:53 PM

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QUOTE(GrumpyNooby @ May 2 2020, 01:46 PM)
Yes you're right.
I couldn't find back the article on how financial charge (interest) is being imposed.
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Before change (around 2007), I always rounded down to the nearest RM1 / RM10 (no IBG or IBG was expensive at that time). I did the same again after the change, but the interest charged was from a few sen previously to nearly RM100 !!! I learned the lesson. sad.gif
ClarenceT
post May 2 2020, 02:05 PM

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QUOTE(ruben7389 @ May 2 2020, 02:00 PM)
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
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https://www.pbebank.com/Personal-Banking/Ra...ebit-Cards.aspx

3. AND 7.
ClarenceT
post May 2 2020, 02:42 PM

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QUOTE(miraclecrush @ May 2 2020, 02:37 PM)
Did anyone get the cashback from the “Stay Home, Shop Online & Be Rewarded with PB Visa Credit Card” campaign?

https://www.pbebank.com/Personal-Banking/Pr...PB-Visa-Cr.aspx

I bought something online for around 200 bucks on 18th April but didn't get any cashback. I can never tell when they just run out of cashback for the campaign or if it's some clerical error.
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You didn't read T&C!

If you win, then...

The Cash Back payment will be credited only into the Participant’s principal credit card account registered under this Promotion within 2 - 4 weeks after the end of each tracking month and shall be reflected in the Participant’s credit card statement, itemised under “Stay Home, Shop Online & Be Rewarded with PB Visa Credit Card - 15 April to 14 May 2020”.
ClarenceT
post May 3 2020, 12:06 PM

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QUOTE(bigpuppy87 @ May 3 2020, 11:30 AM)
May I know will I get Public bank visa signature credit card cashback if pay Prudential insurance premium by using Public bank visa signature credit card?
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QUOTE(wjleong15 @ May 3 2020, 11:41 AM)
can, same as QM
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Online, Direct Debit or counter? smile.gif
ClarenceT
post May 3 2020, 01:34 PM

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QUOTE(bigpuppy87 @ May 3 2020, 12:53 PM)
What are the differences  ?

I will use Direct debit. Is it entitled for Visa signature cashback?
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PB VS - 6% CB on Groceries, Dining or Online (normally with OTP).

Direct Debit is not online and insurance is not one of the CB categories.

If you want online CB, you need to manually pay at the online site.

This post has been edited by ClarenceT: May 3 2020, 01:35 PM
ClarenceT
post May 4 2020, 07:21 AM

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QUOTE(wjleong15 @ May 3 2020, 09:00 PM)
So your earlier reply is misleading! He didn't specify he would use online channel.
ClarenceT
post May 5 2020, 09:11 AM

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QUOTE(sharkzt @ May 5 2020, 09:07 AM)
Ok thank you guys! Any tip and tricks for newbie? Any promo right now?
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Holding Quantum Visa and Quantum MasterCard only?
Not holding other PB Visa? Eg Visa Infinite, Visa Signature, Visa Platinum, Petron Credit card?
ClarenceT
post May 5 2020, 10:24 AM

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QUOTE(sharkzt @ May 5 2020, 10:16 AM)
Yup only both of that
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The Paywave campaign is attractive (RM10 prize for spending of RM80) but both QV and QM are not eligible.

For other campaigns,
https://www.pbebank.com/Personal-Banking/Promo/landing.aspx

ClarenceT
post May 5 2020, 01:05 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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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.
ClarenceT
post May 5 2020, 07:01 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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Go to any PB branch, give your thumbprint to CS officer.
ClarenceT
post May 6 2020, 04:33 PM

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QUOTE(genchwan @ May 6 2020, 04:29 PM)
Hi.....Anyone knows if I can get cashback if I use PB signature to top up shopeepay?
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Should be, OTP is now required since 1/5.
ClarenceT
post May 12 2020, 11:27 AM

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QUOTE(Seth Ho @ May 12 2020, 11:07 AM)
Normally SST is charge on each year april is it?
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For PBB CC, SST is charged on the statement date after the expiry month of that particular CC.
Eg 03/**, you will see the SST in April statement.
ClarenceT
post May 12 2020, 12:39 PM

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QUOTE(ivzh @ May 12 2020, 12:33 PM)
Hi guys, would like to check if supplementary card entitle it's own rebate quota?

for both Visa signature and master quantum?
double check if Bigpay toupup entitle 6% and 5%? i found my supplementary card does not have any rebate since 2 month back.  thanks in advance
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Q1. Yes own CB if separate statement, but combined CB capped at RM38 (VS)/RM30(QM), no longer RM38/RM30 per principal/supplementary.

Q2. Yes both VS, QM. QV as well.
Q3. Yes.

Your CB + Your supplementary's CB = RM38/RM30.
If you already earned RM38/RM30, your supplementary would not earn CB.

This post has been edited by ClarenceT: May 12 2020, 12:42 PM
ClarenceT
post May 12 2020, 01:00 PM

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QUOTE(ivzh @ May 12 2020, 12:56 PM)
thanks guy for fast reply. Seem no point to keep supplementary card now right? any benefit ? as i m consider to cancel it.

For supplementary card to upgrade to principal card, need to cancel the card and reapply?
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A person can hold both principal and supplementary (under another person) at the same time.

This post has been edited by ClarenceT: May 12 2020, 01:00 PM
ClarenceT
post May 12 2020, 04:24 PM

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QUOTE(Exa_Bytez @ May 12 2020, 04:11 PM)
Great. Thanks
Great. Thanks
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You can top-up ShopeePay to maximize your monthly spending (RM600) / rebate (RM30), but don't be too smart to use "cash withdrawal" feature (otherwise Shopee will remove Credit card payment option from your Shopee account!)

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