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

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choco_ice
post Jan 21 2020, 11:30 AM

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QUOTE(loongzai2 @ Jan 20 2020, 09:36 PM)
Anyone here manage to apply visa signature with income 6 and below?my wife try to apply tru ringgitplus WhatsApp.  Terus rejected

Anywhere can apply easier?
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QUOTE(fruitie @ Jan 20 2020, 11:27 PM)
What's income 6? I thought PBB is pretty strict with salary requirement?
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QUOTE(tan_aniki @ Jan 21 2020, 09:07 AM)
i think what he mean is RM60k
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QUOTE(ClarenceT @ Jan 21 2020, 09:10 AM)
I think what he mean is RM100k, 6-digit income.
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I think his income 6 means monthly income RM6K, as VS requirement is annual income RM80K, monthly bout RM6K+
choco_ice
post Jan 21 2020, 11:39 AM

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Anyone received cashback for RM300-3% / RM500-5% for Dec19?
choco_ice
post Jan 22 2020, 08:54 AM

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QUOTE(choco_ice @ Jan 21 2020, 11:39 AM)
Anyone received cashback for RM300-3% / RM500-5% for Dec19?
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QUOTE(tifosi @ Jan 21 2020, 12:33 PM)
Yup, received it. Referring to mth 4 right?

Swiped on 2nd Dec, credited on 17 dec.
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QUOTE(Edward12399 @ Jan 21 2020, 01:00 PM)
17 Dec 19  - CB RM50 for Nov'19 Spending

Dec'19 spending - RM50 (5%) or Max RM80 (Cumulative 2k) not yet received.

I'm waiting my RM80 as well for Dec19 spending.
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QUOTE(extinct_83 @ Jan 21 2020, 06:36 PM)
Not heard of cashback yet - I did tap and pay on 16 Dec - perhaps too late for the cashback..
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Sorry for confusion, i'm asking for mth 5 which is cashback for dec19 spending, i spend on 8th dec, wondering is it crediting slightly late for this month
choco_ice
post Feb 9 2020, 08:22 AM

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QUOTE(thinkhappy @ Feb 9 2020, 07:35 AM)
Hi,

If I perform 2400 online transaction on quantum master card and then apply FPP for 12 months.

Then the installment will be 200 x 12 months.

How will this impact the online cash back? Will quantum pay the cash back every month (take in the RM200 per month) or pay the cash back for RM2400 on the first month only.

Anyone know the answer?
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Cashback is only awarded during the actual transaction time (first month in your term).

FYI, 12 months FPP is no longer at 0%, it has been revised to 1% since Dec19.
choco_ice
post Feb 19 2020, 07:05 PM

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QUOTE(xiaoxiaoshen @ Feb 19 2020, 05:36 PM)
yes, no need to wake up mid night. can do when free time no rush
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QUOTE(fruitie @ Feb 19 2020, 05:46 PM)
It will be tougher every week.
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More and more competitors
choco_ice
post Feb 20 2020, 08:58 AM

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QUOTE(applesmiley @ Feb 19 2020, 07:09 PM)
Ok, learnt my lesson.  bruce.gif
Just do it when I remember, no try means no cashback.
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Dare to try, you got nothing to lose 😃
choco_ice
post Apr 3 2020, 02:06 PM

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QUOTE(cucikaki @ Apr 3 2020, 01:55 PM)
3rd transaction at 1.50am for week 9 (i forgot about the campaign). did not get anything, no lunch money this week sad.gif
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Getting more and more competitive
choco_ice
post Apr 3 2020, 02:33 PM

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QUOTE(cucikaki @ Apr 3 2020, 02:24 PM)
Oh damn. My week 11 is 12.50am for 3rd transaction. Mcm no hope also
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Final chance on next week, set alarm
choco_ice
post Apr 3 2020, 04:57 PM

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QUOTE(ClarenceT @ Apr 3 2020, 04:44 PM)
No-lah, just wish PB can offer some games excl. e-wallets, eg the campaigns in Aug-Dec 19.
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Currently most of the campaign targeting ewallet because of the MCO, as we can hardly to go out n spend
choco_ice
post Apr 3 2020, 07:28 PM

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-deleted-

This post has been edited by choco_ice: Apr 3 2020, 07:32 PM
choco_ice
post Apr 3 2020, 07:36 PM

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QUOTE(fruitie @ Apr 3 2020, 05:17 PM)
Thanks. Got week 10 too. Last transaction at 00:22.
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QUOTE(titanic_crash @ Apr 3 2020, 06:14 PM)
Did not get for week 10, my 8th transaction was on 12.21am..
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QUOTE(jianwei90 @ Apr 3 2020, 06:30 PM)
u get nothing at all? by right u should at least get RM 15..
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Yes, curious on titanic_crash 3rd transaction time, by right should get something if based on fruitie timeline
choco_ice
post Apr 6 2020, 12:31 AM

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QUOTE(cucikaki @ Apr 6 2020, 12:27 AM)
alamak. ahhaha. nevermind. i'll report for in 4-6 weeks time. too late to topup by this time.
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I tried grab pay n tng on first week, no problem getting rm40
choco_ice
post May 1 2020, 03:57 PM

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QUOTE(Seth Ho @ May 1 2020, 02:44 PM)
currently my cutoff date is 2nd May, so my spending of 1st May is included in 2nd May statement right?

Lets say i reload the visa rm 100 campaign today the cashback is included in 2nd May statement right?

I remember the event is not affected by statement date right?
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It depends on the posting date. If the transaction get posted by 2nd May then it will be reflected in 2nd May statement. Otherwise it will be reflected in your next statement.

Campaign has nothing to do with the statement date, you just need to be mindful on the campaign date and mechanism (ie. FCFS and etc)
choco_ice
post May 2 2020, 05:14 PM

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Interest charges is always based on total outstanding balances (as per statement), it will never calculate based on remaining statement balances, this is the industry practice. Always settle your statement total outstanding balances in full.


This post has been edited by choco_ice: May 2 2020, 05:22 PM
choco_ice
post May 2 2020, 05:34 PM

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QUOTE(GrumpyNooby @ May 2 2020, 05:18 PM)
New retail transaction which unbilled but posted will lose the privilege of interest-free period.
Will this new retail transaction subject to interest charges too?

P/S: I'm not the victim here. I'm trying to breakdown the problem for our poor friend.
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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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QUOTE(GrumpyNooby @ May 2 2020, 05:22 PM)
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?
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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+

This post has been edited by choco_ice: May 2 2020, 05:43 PM
choco_ice
post May 2 2020, 05:44 PM

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QUOTE(GrumpyNooby @ May 2 2020, 05:38 PM)
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.
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Don't be confused and should always settle statement balance in full to avoid finance charges.

This post has been edited by choco_ice: May 2 2020, 07:56 PM
choco_ice
post May 2 2020, 05:49 PM

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QUOTE(GrumpyNooby @ May 2 2020, 05:38 PM)
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.
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We just simply calculate based on the lowest tier of finance charges of 15%, there are few other tier which we don't know which one is he being charged on. But from here roughly the interest charge is correct.
choco_ice
post May 2 2020, 08:44 PM

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QUOTE(GrumpyNooby @ May 2 2020, 07:13 PM)
Fuh ... just completed RM 80 x 10.
Hope to win RM 100.
It's so challenging to complete by one person.
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Salute. Can't really think of spending other than grocery and pharmacy now.

This campaign may not be competitive I suppose..
choco_ice
post Jun 4 2020, 07:42 PM

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QUOTE(cybpsych @ Jun 4 2020, 07:26 PM)
WTHeckkkkkk????

info from CS regarding Stay at Home, Shop Online & Be Rewarded (26 Mar - 14 Apr 2020) Campaign

// As per our checking, the RM 40,000 allocated for this campaign were fully redeemed on the first day, which is 26 March 2020, around 3.35PM. //
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No wonder nobody reported cashback receiving for this. We only get to know this on 27th March. This is too competitive though.
choco_ice
post Jun 15 2020, 09:10 PM

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QUOTE(GrumpyNooby @ Jun 15 2020, 08:45 PM)
“Great Savings with More Cash Back” Promotion

user posted image

Campaign link: https://www.pbebank.com/Personal-Banking/Pr...-Cash-Back.aspx
T&C link: https://www.pbebank.com/pdf/Promotions/tc_cashback-0620.aspx
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Pbb likes 15th so much..
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