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A cashback credit card is where a percentage of the amount you spend will be given back to you when you purchase goods and services. Basically, it is a way to save and spend money simultaneously.
The cashback percentage rate differs for every cashback credit card which is determined by the bank. The amount you earn back from your purchases made by the card depends on this percentage rate. For instance, your credit card offers a 10% cashback and you spend RM100 monthly, you would receive a cashback of RM10 and have a total expense of RM90.
You can check the amount of cashback you have obtained through your monthly statements either by mail, email or online/mobile banking. Alternatively, you can call or visit the bank to get the information you need.
There is no benefit if you return a product as the cashback you were initially supposed to receive will be lost as well. Credit card issuers have policies where in the event of a refund, they will have to deduct the cashback previously earned.
It’s as simple as filling up an application form and submitting the relevant personal documents. On Loanstreet, just press apply and fill in your details. You will receive a phone call from us within 1 working day in order to check your eligibility, after which we will submit your application to the banks. You will then deal with the banks directly until your application is approved and your credit card is received.
Every card issuer has a different processing time to approve your application. However, it usually takes 7-10 days to receive your card, either by mail or collection at the bank. To make the processing time faster and more efficient, be sure to submit all the relevant documents with the correct details required by the card issuer.
You must contact your respective bank immediately and request to block your card. If you do not report it as soon as possible, you may be liable for the charges made to your card. The hotline services are available 24 hours for this issue. Besides that, you should also report to the police to protect yourself from any unauthorised usage.