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 Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN

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SUSDavid83
post Dec 12 2018, 09:01 AM

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QUOTE(55665566 @ Dec 12 2018, 08:59 AM)
Although i settle my ptptn last month, my auto debit still deduct money from my acc last monday sad.gif

Anyone got it too?
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Have you got your settlement letter?
Call PTPTN to cancel the auto debit?
SUSDavid83
post Dec 12 2018, 09:07 AM

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QUOTE(55665566 @ Dec 12 2018, 09:06 AM)
Got my letter,

The staff said they will cancel it and told me this month wont autodebit.
Nah suddenly deduct  mad.gif
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Go bug the staff again. bruce.gif
SUSDavid83
post Dec 12 2018, 01:41 PM

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QUOTE(metaloid @ Dec 12 2018, 01:36 PM)
yea since its a major change every month for you i guess its worth it. but since mine is still more than 10 years and not much change in amount next year, i'm sticking to the monthly deduction. its different for everyone on how we plan our money anyway  smile.gif
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The monthly deduction amount that you sticking to is which amount?
The original amount as per contract or new amount announced recently which could be double or triple the original amount stated in the contract?
SUSDavid83
post Dec 12 2018, 02:20 PM

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QUOTE(fruitie @ Dec 12 2018, 02:18 PM)
David83, how's your payment via EPF? Is it completed now? When will you get the full settlement letter?

According to the officer I was assigned to, I can only get it around second week of Jan.
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I didn't use EPF Account 2.
You maybe confused.
SUSDavid83
post Dec 12 2018, 03:02 PM

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QUOTE(fruitie @ Dec 12 2018, 02:22 PM)
Yeah, just realised. However, have you got the full settlement letter?
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Not yet.
She said next month.

SUSDavid83
post Dec 13 2018, 03:56 PM

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QUOTE(deadravel @ Dec 13 2018, 03:52 PM)
what are you asking actually?  hmm.gif
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He's trying to assess if the extra cash on-hand is better to go to where?
A flexible house loan or PTPTN?
SUSDavid83
post Dec 16 2018, 02:57 PM

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QUOTE(Teddy Paddington Jr. @ Dec 16 2018, 02:47 PM)
No you won't get points for that CC transaction as the bank will consider this as a transaction under the "Financial Institution" category.
I've repaid mine using the Maybank AMEX card but the points wasn't credited in the end; the Maybank officer informed me of the transaction type wasn't eligible for points and did pointed out to me it was stated in their main webpage.
At least thats for Maybank, not sure if other banks applied the same TnC; best to check with your bank officer for advise.
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PTPTN is under government services; not financial services/institution.
Hence, no TP is awarded if you use MBB2 AMEX to pay.
Only will earn cash back if you pay during weekends.

PTPTN MCC is MCC 9399 - Government Services

This post has been edited by David83: Dec 16 2018, 02:58 PM
SUSDavid83
post Dec 17 2018, 09:51 AM

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QUOTE(shaunkL @ Dec 17 2018, 09:48 AM)
How about if pay by Maybank Barcelona Card?
Is it entitled cashback 2%?
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This is the exclusion list for MBB FCB VS:

QUOTE
The following transactions are not taken into account in the accumulation of Cash Back:
ï‚· All other transactions other than those categorized as retail transactions;
ï‚· Transactions for Maybank EzyCash, Maybank EzyPay Plus, Maybank Ezypay, Maybank
jomPAY, Cash Treats, Cash Advance, Balance Transfer and Quasi Cash; ï‚· Refunded, disputed, unauthorized or fraudulent retail transactions;
ï‚· Payment for transactions, payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals;
ï‚· Any other form of service or miscellaneous fees i.e. legal fees, statement reprint request
fees etc.
ï‚· Only transactions amounting RM 1.00 and above will be awarded cash back to customer[

URL: https://www.maybank2u.com.my/WebBank/FCB-Vi...k_TNC.pdf


The Cash Back awarded is based on all retail transactions using Maybank FC Barcelona Visa Signature Card except the following:
ï‚· Transactions for Maybank EzyCash, Maybank EzyPay Plus, Maybank Ezypay (monthly recurring transaction only), Cash Treats, Cash Advance, Balance Transfer, Quasi Cash.
ï‚· Payment to JomPay
 FPX transaction – payment to service providers.
ï‚· Refunded, disputed, unauthorized or fraudulent retail transactions;
ï‚· Payment for transactions, payment of annual card membership fees, interest payments,late payment fees, charges for cash withdrawals;
ï‚· Any other form of service or miscellaneous fees i.e. legal fees, statement reprint request fees etc.

URL: https://www.maybank2u.com.my/iwov-resources...reCBack_TNC.pdf
This post has been edited by David83: Dec 17 2018, 09:57 AM
SUSDavid83
post Dec 17 2018, 10:13 AM

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QUOTE(shaunkL @ Dec 17 2018, 09:58 AM)
Ops... seem like not possible...

Thinking to use which credit card to settle it...
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Just pay at PTPTN portal or office.
Don't use FPX or JomPay.
SUSDavid83
post Dec 18 2018, 10:54 PM

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QUOTE(akaneikegami @ Dec 18 2018, 10:46 PM)
i went to their branch @ KL Sentral to settle full payment with 20% discount around 2 weeks ago. was supposed to receive a letter to confirm that my ptptn has fully been settled but haven't got it till now. tried to log in on the portal to check but can't seem to do so as well. anyone who settled their payment previously, how long did you guys wait for the letter to arrive?
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I made a full settlement last 2 weeks.
The lady told me that release or full settlement letter will be available next month after discount adjustment reflected in the statement.
SUSDavid83
post Dec 19 2018, 02:07 PM

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QUOTE(jason18689 @ Dec 19 2018, 02:00 PM)
Okay! indeed this shall be pinned.
I did my full settlement in just a phone call.
I also mentioned that i want to use CC, then they send you the steps, and viola paid!
thanks...
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Got steps?
I thought they will send the amount you need to pay only.
SUSDavid83
post Dec 19 2018, 02:09 PM

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QUOTE(fruitie @ Dec 19 2018, 02:09 PM)
Congrats, you are off from PTPTN debt! biggrin.gif
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I'll feel more secured once I got on-hold on the release letter.
SUSDavid83
post Dec 21 2018, 01:38 PM

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QUOTE(fruitie @ Dec 21 2018, 11:43 AM)
I'm not a bro but glad to have helped you. biggrin.gif

Side note, my EPF payment already reflected yesterday. It's time for me to settle the remainder. biggrin.gif
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How you plan to settle the remainder?
SUSDavid83
post Dec 21 2018, 01:42 PM

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QUOTE(fruitie @ Dec 21 2018, 01:40 PM)
Still considering but should be using mixture of cards then BT.
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I used:

1x PBB 12-months 0%
1x PBB 6-month BT from Citibank (didn't earn 0.2% cash back because PTPTN under exclusion).
SUSDavid83
post Dec 22 2018, 10:16 PM

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QUOTE(fruitie @ Dec 22 2018, 09:01 PM)
Does anyone have issue checking penyata baki and penyata baki terperinci? I tried since morning and cannot load. sad.gif

Wanna make some payments with AmEx...
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These few days their portal down time is rather frequent.
SUSDavid83
post Dec 25 2018, 04:50 PM

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QUOTE(fruitie @ Dec 25 2018, 03:38 PM)
Finally, it's a closure for my PTPTN. I have cleared all my payments, hopefully the settlement letter will come in next month as promised.
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Have you received SURAT PENYELESAIAN CCRIS from PTPTN?
SUSDavid83
post Dec 26 2018, 10:39 AM

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QUOTE(KeSToN @ Dec 26 2018, 10:37 AM)
i already called them, they sent me a statement with the amount + amount after discount via whatsapp.

do i need to pay all in one lump sum?
or can i make multiple transactions as long as i meet the amount stated after discount before 31/12/18?
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Multiple transactions allowed to match the amount shown after discount.

This post has been edited by David83: Dec 26 2018, 10:39 AM
SUSDavid83
post Dec 26 2018, 10:50 AM

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QUOTE(KeSToN @ Dec 26 2018, 10:40 AM)
ok thank you so much. i tried to call the lady but she's not answering her phone. maybe she's busy?!
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They will ask you to send the snapshots of payment to speed up the processing.

SUSDavid83
post Jan 2 2019, 03:24 PM

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QUOTE(Avangelice @ Jan 2 2019, 03:20 PM)
ptptn can't log in. wtf
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It has been redirected to the main page since last two days I think.
SUSDavid83
post Jan 2 2019, 03:56 PM

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QUOTE(Avangelice @ Jan 2 2019, 03:54 PM)
how am I gonna pay my ptptn then?
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Branch/Office?

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