PENYATA KAD / CARD STATEMENT

120823 SN827

Tarikh Penyata
YAP FOOT KEAN 12 AUG 2023
Statement Date
11A JALAN SS2/28 Jumlah Had Kredit Gabungan
47300 PETALING JAYA Total Credit Limit
RM 10,000

Tarikh Matang Bayaran

01 SEP 2023
Payment Due Date

Maklumat Pembayaran / Payment Advice

Sila Catat
Baki Semasa Bayaran Minimum Amaun Bayaran Tunggakan
No. Akaun Jenis Akaun
Current Balance Minimum Payment Please State Overdue
Account No. Account Type
Payment Amount
(RM) (RM) (RM) (RM)

4553 5704 4703 8147 VISA GOLD 2,502.35 125.12 0.00

Jumlah Perlu Dijelaskan / Total Due 2,502.35 125.12

Pembayaran kad boleh dibuat secara perbankan online di www.pbebank.com atau melalui Interbank GIRO (IBG). Untuk pembayaran melalui cek, sila rujuk kepada
arahan di muka surat belakang./ Card repayment can be done via online banking at www.pbebank.com or via Interbank GIRO (IBG). For repayment via cheques,
please refer to the instructions on the reverse page.
AMARAN JIKA HANYA MEMBUAT BAYARAN MINIMUM BULANAN / WARNING ON PAYING MINIMUM MONTHLY REPAYMENT

If you continue to make the monthly minimum payments, your total interest payable will
increase and it will take you longer to payoff this debt. Please refer to the back page for
more information. Alternatively, you may also refer to the Credit Card Interest /
Repayment Calculator available on www.pbebank.com website. Your banking question
ANSWERED!. For more info, please log on to www.bankinginfo.com.my.
Sekiranya anda hanya membayar pembayaran minimum setiap bulan, jumlah faedah
yang harus dibayar dan tempoh yang diambil untuk melangsaikan keseluruhan baki
semasa anda akan bertambah. Sila rujuk kepada muka surat belakang untuk maklumat
lanjut. Selain daripada itu, anda boleh merujuk kepada Kalkulator Faedah / Pembayaran
Balik Kad Kredit di laman web www.pbebank.com. Kemusykilan anda mengenai
perbankan DIJAWAB!. Untuk maklumat lanjut, sila layari www.bankinginfo.com.my.

PUBLIC BANK BERHAD 196501000672 (6463-H) PAGE 1 OF 3

PB Card Services, 10th Floor, Menara Public Bank, 146 Jalan Ampang, PO Box 11722, 50754 Kuala Lumpur.
Tel:- 603-2170 8000 Fax:- 603-2163 9400 Email: custsvc@publicbank.com.my
MAKLUMAT PENTING / IMPORTANT INFORMATION
1. CARA PEMBAYARAN / PAYMENT METHODS
Perbankan online / Online banking - www.pbebank.com . Interbank GIRO . Auto Debit . ATM bank atau ATM MEPs / Bank ATM or MEPs ATM . Mesin deposit tunai
atau cek / Cash or cheque deposit machine . Poskan cek anda / Mail your cheque
Cek mestilah dipalang dan dibayar atas nama "PUBLIC BANK KAD UNTUK (Nama penuh seperti di Kad Pengenalan)". Sila tulis semua nombor akaun dan amaun
untuk dibayar bagi setiap akaun pada bahagian belakang cek. / Cheques should be crossed and made payable to "PUBLIC BANK CARD FOR (Full name as per
I.C)". Please indicate the account number(s) and the amount to be paid for each account on the reverse side of the cheque.

2. TEMPOH TANPA FAEDAH 2. INTEREST FREE PERIOD

Tempoh tanpa faedah 20-hari bagi urus niaga runcit, dengan syarat semua baki
tertunggak di penyata bulan sebelumnya, dibayar sepenuhnya sebelum tarikh
matang. Tempoh tanpa fi tidak diterima pakai bagi urus niaga bukan runcit.
Nota: Urus niaga runcit tidak termasuk Pendahuluan Tunai, Pindahan Baki dan
pelan kredit lain.
A 20-day interest free period on all retail transactions, provided all outstanding
balances as of the previous month statement, are fully settled by the due date.
Interest free period is not applicable to non-retail transactions.
Note: Retail transactions exclude Cash Advance, Balance Transfer and any
other credit plans.

3. CARA PENGIRAAN FAEDAH 3. INTEREST CALCULATION METHOD

i. Faedah dikenakan terhadap Baki Pendahuluan Tunai belum jelas dari
Tarikh Transaksi sehingga pembayaran balik sepenuhnya.
ii. Faedah dikenakan terhadap baki Pendahuluan Bukan Tunai belum bayar
menjelang Tarikh Matang selepas Tarikh Penyata sehingga pembayaran
sepenuhnya.
iii. Jumlah faedah yang dicaj dikira mengikut formula : f = (B) x (P/D) x R,
dimana
f ialah jumlah caj faedah yang dikenakan
B ialah baki yang dikenakan caj faedah
P ialah tempoh yang dikenakan caj faedah dalam hari
D ialah jumlah hari yang digunakan sebagai asas bagi kadar tahunan
R ialah kadar tahunan caj faedah nominal yang dinyatakan
i. Finance Charge is imposed on Outstanding Cash Advance transaction
Balance from transaction date until full repayment.
ii. Finance Charge is imposed on Outstanding Non Cash Advance Balance
that is not paid by due date of the respective Statement, calculated from Due
Date until full repayment.
iii. The formula used for computation for Finance Charge : f = (B) x (P/D) x R,
where f is the total finance charge imposed for month
B is the Balance that is imposed with finance charge
P is the interest bearing Period in days
D is the number of days used as base for annual rate
R is the nominal finance charge annual rate stated

4. PENGAGIHAN BAYARAN 4. PAYMENT ALLOCATION

Bayaran akan diagihkan untuk menjelaskan baki belum jelas dalam penyata Payment received will be allocated to settle outstanding balances in the
yang dikenakan faedah yang lebih tinggi dahulu. statement with priority on those attracting higher interest.

5. MAKLUM BALAS DAN KOMEN 5. FEEDBACK AND COMMENTS

i. Untuk bantuan, sila hubungi Perkhidmatan Pelanggan (24 jam) kami di
talian 03-2170 8000 atau e-mel kepada custsvc@publicbank.com.my atau
faks ke 03-2163 9400.
ii. Jika masalah anda masih belum diselesaikan, anda boleh menghubungi:
- Bank Negara Malaysia LINK atau TELELINK di talian 1-300-88-5465 (1-300-
88-LINK) atau 603-2174-1717 (luar negeri) pada waktu pejabat atau
- Borang Web: telelink.bnm.gov.my
i. For assistance, please call our 24 hours Customer Services line at
03-2170 8000 or email us at custsvc@publicbank.com.my or fax to us at
03-2163 9400.
ii. If your problem is not resolved, you may then choose to raise it to the
following parties:
- Call Bank Negara Malaysia LINK or TELELINK at 1-300-88-5465 (1-300-88-
LINK) or 603-2174-1717 (overseas) during office hours or
- Web Form: telelink.bnm.gov.my

6. SEKIRANYA KAD ANDA HILANG ATAU DICURI
i. Sila laporkan segera kehilangan atau kecurian kad anda dengan menelefon
03-2176 8555, menelefon Pusat Perkhidmatan Kembara Visa atau bank
Visa/MasterCard yang terdekat (sekiranya anda berada di luar negeri) dan
mengesahkannya secara bertulis.
ii. Sekiranya anda gagal membuat laporan kehilangan/kecurian kad anda,
anda akan bertanggungjawab untuk membayar semua caj terbabit
dengan kad yang hilang/curi.
6. IF YOUR CARD IS LOST OR STOLEN
i. Kindly report the loss or theft of your card immediately by calling
03-2176 8555, call Visa Travel Service Centre or nearest Visa/MasterCard
member bank for assistance (if you are overseas) and confirm the same in
writing.
ii. If you fail to lodge a lost/stolen card report, you will be liable to pay for
all charges incurred on your lost/stolen card.

7. PENYATA ELEKTRONIK TANPA KERTAS 7. GO PAPER LESS WITH e-STATEMENT

Anda boleh mendaftar untuk menerima penyata elektronik kad kredit bulanan You can register to receive the monthly credit card e-statement via internet
melalui perbankan internet. Sila layari laman web www.pbebank.com dan klik banking. Please refer to webpage www.pbebank.com and click "Register Here"
pada butang "Register Here" di "Pbebank Online Registration for PB at "Pbebank Online Registration for PB Cardmembers" button to register a login
Cardmembers" untuk mendaftarkan login ID sekiranya anda bukan pengguna ID if you are not an existing Pbebank user.
Pbebank sedia ada.
8. FI DAN CAJ LAIN-LAIN / FEE AND OTHER CHARGES
Fi Pendahuluan Tunai - 5%, min RM20.00 Caj pembayaran lewat - 1% dari baki (Min RM10, Max Fi untuk fotokopi atau salinan asal draf jualan - RM15.00
RM100) Fee for photocopy or original copy of sales draft -
Cash Advance Fee - 5%, min RM20.00 Late payment charges - 1% of outstanding balance RM15.00
(Min RM10, Max RM100)
Fi salinan penyata kad - RM5.00 setiap Penalti Penggantian Kad - pertama RM50, ke-2 Spread pertukaran asing bagi urus niaga luar negara -
penyata RM100, ke-3 RM150 1.25%
Statement copy fee - RM5.00 per statement Replacement Card penalty - 1st RM50, 2nd RM100, Foreign exchange spread for Overseas Transaction -
3rd RM150 1.25%
Sila layari laman web www.pbebank.com untuk penjelasan lanjut. Please refer to webpage www.pbebank.com for further details.

9. CONTOH PENGIRAAN FAEDAH DAN TEMPOH UNTUK MELANGSAIKAN BAKI SEMASA

EXAMPLE OF THE INTEREST COMPUTATION AND THE PERIOD REQUIRED TO SETTLE YOUR OUTSTANDING BALANCE
Contoh bagi senario semasa yang berbeza / Examples under different outstanding amount scenarios
Baki Semasa / Outstanding Balance (RM) RM3,000.00 RM5,000.00 RM10,000.00
Amaun pembayaran Pembayaran Min Bayar sebanyak Pembayaran Min Bayar sebanyak Pembayaran Min Bayar sebanyak
Min repayment Pay Min repayment Pay Min repayment Pay
Repayment amount RM150.00 RM250.00 RM250.00 RM350.00 RM500.00 RM600.00
Tempoh pembayaran balik (bulan) 55 14 69 17 88 20
Repayment Period (months)
Jumlah faedah yang dikenakan (RM) RM1007.97 RM308.82 RM1828.63 RM627.10 RM3880.35 RM1501.14
Total interest incurred (RM)
Pengiraan di atas dibuat dengan andaian. Baki belum jelas ialah urus niaga runcit, Tiada caj baru dikenakan. Caj faedah sebanyak 18% p.a. Pengiraan 30 hari sebulan.
Pembayaran dibuat pada tarikh matang. / Above calculation are with assumptions. Outstanding balance are retail purchases. No new transaction. Interest rate is 18%
p.a. 30 days in a month. Payment made on due date.
 TARIKH PENYATA
120823 SN827 STATEMENT DATE 12 AUG 2023

YAP FOOT KEAN

Maklumat Transaksi / Transaction Details

Tarikh Pencatatan
Tarikh Transaksi Huraian Transaksi Amaun (RM)
Urus Niaga
Transaction Date Transaction Description Amount (RM)
Posting Date

VISA GOLD 4553 5704 4703 8105 YAP FOOT KEAN

13 JUL Previous Balance 3,501.30

13 JUL 11 JUL MAXIS-AUTO 821863420 Kuala Lumpur MY 145.20

VISA GOLD 4553 5704 4703 8147 YAP FOOT KEAN

05 AUG 05 AUG LATE PAYMENT CHARGE 35.01

09 AUG 08 AUG S T WOH HWARE PJ SB P JAYA MY 2,203.50
09 AUG 08 AUG SHELL - IZZARA JLN D'SARAP.JAYA MY 59.51
09 AUG 09 AUG PBeBANK PAYMENT - THANK YOU 3,501.30CR
WENG FONG RENO & CON
12 AUG 11 AUG PETRONAS-EAST-WEST LINK KUALA LUMPUR MY 10.41
12 AUG 11 AUG SHELL - JALAN 17/22 PETALING JAYA MY 41.00
12 AUG FINANCE CHARGE - 15.00% 10.07
12 AUG CASH MEGABONUS 2.35CR

This month total credit 3,503.65

This month total debit 2,504.70

Jumlah besar untuk akaun ini / Grand total for this account 2,502.35

Sila semak penyata dengan segera. Sekiranya tiada kesilapan dilaporkan dalam masa 14 hari dari tarikh penyata ini, penyata akan di anggap sebagai betul.
Please examine this statement immediately. If no discrepancy is reported within 14 days from this statement date, the statement will be considered as
correct.

RINGKASAN LOYALTI & GANJARAN / LOYALTY & REWARD SUMMARY

MEGABONUS TUNAI / CASH MEGABONUS (RM)

Card Number: 4553 5704 4703 8147
Jumlah Belian
Purchases Amount
MegaBonus/Rebat
MegaBonus/Rebat Tambahan Pelarasan Jumlah MegaBonus/Rebat Tunai
MegaBonus/Rebate Additional Adjustment Total Cash MegaBonus/Rebate
MegaBonus/Rebate

2,348.70 2.35 0.00 0.00 2.35

TEGASAN / HIGHLIGHT
SPOT and AVOID PRIZE SCAMS

1. Never pay to claim a prize. Real prizes are free. Anyone who ask you to pay a fee or other charges in order to receive a prize, is likely a
SCAM.
2. Don't give your financial information. There is no reason to give your online banking credential or credit/debit card details to claim a prize. If
anyone ask for it, is likely a SCAM.
3. Don't give your personal information. Scammers might trick you to enter your personal details in the given links so that they can install
malware and access to your device. Delete the message without clicking on the links and don’t respond.
4. Immediately contact the Bank or block your card via our PBe homepage if details of your card account has been compromised.

PUBLIC BANK BERHAD 196501000672 (6463-H) PAGE 2 OF 3

PB Card Services, 10th Floor, Menara Public Bank, 146 Jalan Ampang, PO Box 11722, 50754 Kuala Lumpur.
Tel:- 603-2170 8000 Fax:- 603-2163 9400 Email: custsvc@publicbank.com.my
 TARIKH PENYATA
120823 SN827 STATEMENT DATE 12 AUG 2023

YAP FOOT KEAN

Makluman / Notices
Bank Negara Malaysia telah menubuhkan Agensi Kaunseling dan Pengurusan Kredit (AKPK) untuk memberi perkhidmatan percuma
mengenai pengurusan kewangan, penasihatan kredit, pendidikan kewangan dan penstrukturan semula hutang bagi individu.
Untuk pertanyaan, sila hubungi talian Hotline AKPK 03-2616 7766.
Bank Negara Malaysia has established Agensi Kaunseling dan Pengurusan Kredit (AKPK) to provide free services on money management,
credit counselling, financial education and debt restructuring for individuals.
For enquiry, please call AKPK Hotline 03-2616 7766.

Dasar Anti-Rasuah dan Anti-Sogokan/Anti-Bribery and Anti-Corruption Policy

Dimaklumkan bahawa Bank telah melaksanakan Dasar Anti-Rasuah dan Anti-Sogokan yang mengamalkan "pendekatan sifar toleransi"
terhadap apa-apa bentuk rasuah dan sogokan semasa menjalankan perniagaan. Untuk maklumat lanjut, sila layari laman web Bank.

Please be informed that the Bank has implemented the Anti-Bribery and Anti-Corruption Policy which adopts a "zero-tolerance approach"
towards any form of bribery and corruption in conducting its business. For more information, please visit the Bank's website.

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