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Prepaid Cards BigPay (with Mobile Application) V1, Prepaid MasterCard - CashBack & BigPoint

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chonghe
post Jun 2 2018, 09:02 PM

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If I get this correctly, topping up Bigpay card with cc will get cashback from cc, and using Bigpay for any purchase will collect Bigpoints. So is like double reward? Is this too good to be true? or the "gou shou" here all already earning double reward like nobody's business?
chonghe
post Jun 3 2018, 10:03 AM

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Thanks for the info

Just saw this also - "Domestic ATM withdrawals - RM6"

So it means that in extreme cases of needing cash, one could top up BigPay card with cc (considered as purchase) and withdraw cash using BigPay card, avoiding cash advance charges and interest?
chonghe
post Jun 3 2018, 10:41 AM

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QUOTE(cybpsych @ Jun 3 2018, 10:10 AM)
yes, but do it sparingly to avoid be flagged by bigpay of "suspicious activities"
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This is wow.

So I presume all "gou shou" here basically top up BigPay monthly using cc and just use BigPay to spend?
chonghe
post Jun 3 2018, 12:01 PM

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QUOTE(cybpsych @ Jun 3 2018, 11:12 AM)
generally, i guess so. i am one of them.

cc with cashback are mostly limited to certain spending categories. reloading to bigpay, you can spend almost everywhere else, without restrictions from the main cashback cc.

e.g.

pbb quantum/vs (earn 5%/6% Online cb) --> bigpay --> other spendings (e.g. dental, car service, maintenance fee, etc)
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This is so cool rclxm9.gif


chonghe
post Jun 7 2018, 09:42 PM

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QUOTE(cybpsych @ Jun 7 2018, 09:39 PM)
since bigpay is a prepaid card, does Balance Transfer work?

assuming i've been swiping large payment with bigpay (of course already preloaded earlier), then trigger BT to PBB 0% 6mth?

pbb bt doesnt need statement anyway. essentially pbb transfer fund into bigpay, but split to 6 installments at pbb card.
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what is the point of doing this? might as well BT to the cc that use to reload BigPay isn't it?
chonghe
post Jun 9 2018, 08:47 AM

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QUOTE(TaiSong @ Jun 9 2018, 03:54 AM)
My card has been suspended.

Reason given is my activities are suspicious (I withdraw the unused amount that I top up in order to maximize cc cash back and BT purposes).
Total withdraw amount so far is less than 60k in 2 months time.

Explained the same to their RISK MANAGEMENT officer.

No use.

The officer said my activities trigger the alert, and she did not mention what is the withdrawal threshold. And she said I have to proof that I am not doing money laundering.

So guys, good luck and make sure you don't churn so much and kena like me .

Money laundering my ashes.
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sorry to hear this
but wow, withdraw 60k in 2 months
no warning given beforehand?

chonghe
post Jun 11 2018, 10:11 PM

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QUOTE(Hanz91 @ Jun 11 2018, 03:49 PM)
If I reload RM2500 into BigPay using MBB Barcelona card to get the 2% CB every month and withdraw out the RM2500 every month, do you guys think there will be any problems?
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Ideally
If this combines with SCB JustOne top up 2500 (categorised as online), then get RM 85 cash back from cc, then withdraw from ATM to transfer as payment to cc charged RM6, net earn RM 79 in a few minutes

Is this too good to be true??
What's stopping me from doing this?
chonghe
post Jun 12 2018, 07:38 AM

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QUOTE(alexanderclz @ Jun 11 2018, 10:25 PM)
read back past few pages. you may be flagged for irregular suspicious activities, and as far as we know, even if you provide evidence, their decision is kinda final.

and perhaps TS can put this on the 1st page, regarding this issue.
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yeah, that is 60K in 2 months. If I do Maybank Barcelona + SCB Just one would be 5K
hope it wouldn't get trigger?
chonghe
post Jun 14 2018, 11:08 PM

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So if BigPay is rolling out cards with Paywave features then all existing card holders will receive new card?

Just can't believe the card has no wave in 2018
chonghe
post Jun 15 2018, 08:25 AM

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QUOTE(keeystar @ Jun 14 2018, 11:45 PM)
Lolz wonder why most people like wave function? I seriously think that pin and pay is safer, only take u extra 1-2mins. If i wanna use wave for convenient, i rather use apple pay or mobile pay at least require my thumbprint.
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for small amount paywave is very convenient, and is "elegant" to use rclxm9.gif
chonghe
post Jun 16 2018, 12:38 PM

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QUOTE(LostAndFound @ Jun 15 2018, 11:37 AM)
Am in Scotland, the car rental wouldn't accept prepaid cards (including this BigPay card) for their security deposit (reversible). I think should be SOP that CC required in this instance, so I used another card. Next few days will be able to report what sort of exchange rates I'm getting.
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yeah car rental always requires credit card, not debit or prepaid card for deposit. I think they charge quite a large amount for the deposit, and reverse the transaction after returning the car
chonghe
post Jun 16 2018, 09:39 PM

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QUOTE(snowswc @ Jun 16 2018, 05:10 PM)
withdraw cash and put in your housing loan and settle later on the CC due date?

save interest + cash back+ big points?
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but then on a later date you will need to withdraw from housing loan to pay the cc right? Withdrawal from housing loan carries a charge
Not sure how much can be saved after all these?
chonghe
post Jun 16 2018, 10:10 PM

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Just thought of a "new" usage of the card - top up using cc to waive annual fee for those cards requires 12x swipes/year
This works perfectly for AEON as I keep the card just for BT and nothing else thumbup.gif
chonghe
post Jun 17 2018, 07:59 AM

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QUOTE(ClarenceT @ Jun 17 2018, 06:55 AM)
What if SST on credit cards is reinstated?
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Do it before SST then

chonghe
post Jun 17 2018, 11:53 AM

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QUOTE(kyle_kl @ Apr 24 2018, 10:39 AM)
Encountered before, i think you need to register the card in "My account" there first before proceed to check out the items.
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Tried to add BP card in account but once entered OTP will pop up server error
end up give up using BP to pay
chonghe
post Jun 17 2018, 09:22 PM

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QUOTE(lamode @ Jun 17 2018, 09:20 PM)
saw some pages back that Shopee seems like it is hit and miss..

anyone else with actual experience can comment on this?  icon_question.gif
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Shopee does not accept BigPay card - received a response from the CS after sending them an email

TS can put this on 1st page
chonghe
post Jun 18 2018, 07:08 AM

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QUOTE(alexanderclz @ Jun 17 2018, 09:29 PM)
have been paying with bigpay without problem though. maybe hit and miss like the grab issue
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QUOTE(hebe87 @ Jun 17 2018, 09:41 PM)
i can use my bigpay card in shopee
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Strange. Maybe the CS doesn't know about it? But I tried few times all failed
chonghe
post Jun 22 2018, 02:46 PM

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Interesting experience when using BigPay is some merchant used the words "cute card", "interesting look card" to describe it
Prolly due to the light colour design as most cards are dark in colour
chonghe
post Jun 26 2018, 11:47 AM

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Got a USD transaction and the rate was 4.0135. Impressive.

Future foreign transactions all use BP
chonghe
post Jul 1 2018, 09:41 AM

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QUOTE(snowswc @ Jul 1 2018, 09:11 AM)
i have problem top up with SCB CC (only SCB) .anyone here?
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same
just tried and failed twice

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