agree on that, but existing forum rule still in force though.

might need hye to review the thread rules due to few issues (e.g. no suitable TS taking up the job, existing TS already MIA/inactive, etc)

T-5. Threads limit and new thread versions (Postponed until further notice)
The general rule is to close the existing thread when it reaches post of 2500 to allow a refresh of the thread to occur from time to time to keep the discussion/interest of our readers fresh. Given the task of TS is voluntary in nature, a revision to this limit would be set @ 4000. TS are to ensure a refresh of the threads prior to reaching the limit to avoid automatically losing their position as the TS of that thread.

TS not adhering to this rule (during / after the postponement period in effect)
1. Would not be eligible to open any new thread as TS.
2. Assume new TS for an existing TS.
3. New TS position is open for the thread and applications will be considered. If new TS is selected, new thread under new TS will be opened.

Apply for PB Card Now for Amazing Rewards [ PBB | T&Cs | Application Form ]

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.//

t&c similar to https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(7).aspx >> applicable to ALL pbb cards

but the 0% 12mth is ONLY applicable to Quantum cards.


so? dont apply lor

This post has been edited by cybpsych: Jul 1 2019, 04:30 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

flexipay with the upfront fee, i guess that's the calculation. not sure exactly because i would avoid it.

for quantum flexipay, yes. equal split to 12 months. no additional fee.

i've done many. posted many times here.

yes can change the statement date.

call CS to change it.

try to remark "Quantum Mastercard only" on the application form.

else, terminate the Visa after receiving it.

nope, can get rebate without spending. just we don't know what is the criteria.

this morning one forumer reported it.

This post has been edited by cybpsych: Jul 4 2019, 01:09 PM

you dont need to post to every cc thread for the same question.

you can post in general q&a here instead >> https://forum.lowyat.net/topic/4281854

again, dont bother use the online form. it's half-online form, half-email.

better fill up the whole PDF form, then attach all the supporting documents via email to PBCS Customer Service <custsvc@publicbank.com.my>

not from your issuing bank/card.

it's between acquiring bank and merchant.

non-otp (2D or non-3D) transactions, the risk is borned by the merchant (if they chose* not to trigger OTP/3D).

if so, the merchant will not tag the transaction as "3D", so your card/issuing bank will just charge your card as-is (without OTP validation). This is why fraud can happen easily.

if merchant tag the transaction as "3D", the issuing bank will trigger OTP to you (cardholder) to verify the transaction it captured. this is why 3D or our SMS OTP implementation solves a lot of fraud transactions coming through the banks.



*why merchant chose 2D? it's mainly due to "user experience". they dont want user to be kept asking to enter OTP. or they want the payment to have seamless flow, like auto-reload, etc.

noticed how TNG ewallet or boost works? 1st time adding card, definitely need OTP. at this stage, your card will be properly validated and then stored securely (encrypted). on subsequent reloads (charging the card), just charge seamlessly without OTP because the card already authenticated earlier (during card saving).


here, we are so used to getting OTP it's a little safety net for us in case our card get frauded unknowingly.

probably few things...

1) boost is linked to >1 payment gateway, and their backend swings to different gateway according to traffic or time of day, or any other possibilities

2) boost has different policy in place according to specific amount threshold or count of reloads or count/amount of activities within certain period

3) boost's policy kicks in according to card type or issuing bank

4) or even randomized when to/not to trigger otp

or any mixture of combination of policies/rules that we dont know


problem is, we dont know how their payment is configured, and obviously dont know what are their policies/rules (guarded secret)

so u still probe them for split statement again huh.

we roughly knew this day would come. pbb have been updating their documentations since early June.

dont care la.

discuss further once we cross the bridge after revision is announced.

doesnt matter. wait till b&w is out, then plan ahead.

everyday speculating doesnt change pbb's plan which may have already put in motion.

once pbb sorted out the product feature revision, comms, execution, approvals (mgmt and regulatory), etc; then only we would know the outcome.

sometimes card not added automatically.

you can add card to pbe...

PBe > Profile Maintenance > Manage Profile > Add / Delete Account

or

PBe > Account > PB Card > Add Card

else need to go to branch (last resort)


in pbe, change pin. it would activate the card too.

possibly 2 different channel reviewing your application.

dont email. dont check ivr.

call a human CS to get the proper answer.

not uncommon.

their application process flow is not synced across various level/systems.

any unwanted cards, if any, terminate it ASAP.