PENYATA KAD / CARD STATEMENT

120923 SN2369

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

Tarikh Matang Bayaran

02 OCT 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 8,252.58 537.75 125.12

Jumlah Perlu Dijelaskan / Total Due 8,252.58 537.75

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

3. CARA PENGIRAAN FAEDAH 3. INTEREST CALCULATION METHOD

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

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

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

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
120923 SN2369 STATEMENT DATE 12 SEP 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 AUG Previous Balance 2,502.35

13 AUG 11 AUG MAXIS-AUTO 821863420 Kuala Lumpur MY 148.40

VISA GOLD 4553 5704 4703 8147 YAP FOOT KEAN

14 AUG 12 AUG CTX PP PARAMOUNT SS SELANGOR MY 79.19

17 AUG 16 AUG EXCELSIOR YIGARCEIL PETALING JAYA MY 605.80
18 AUG 17 AUG SHELL - JALAN 17/22 PETALING JAYA MY 84.38
20 AUG 19 AUG S T WOH HWARE PJ SB P JAYA MY 1,003.00
24 AUG 22 AUG CTX PP PARAMOUNT SS SELANGOR MY 27.04
26 AUG 26 AUG LOONG SHEN HARDWARE SB SUBANG JAYA MY 191.50
26 AUG 26 AUG MR DIY SDN BHD-PMO PETALING JAYA MY 53.80
26 AUG 25 AUG S T WOH HWARE PJ SB P JAYA MY 1,607.80
27 AUG 26 AUG UOA-DESA SENTUL VILLAGE KUALA LUMPUR MY 2.00
27 AUG 27 AUG PETRON SEA PARK PETALING JAYA MY 53.21
31 AUG 31 AUG ECONSAVE MALIM MELAKA MY 180.00
31 AUG 30 AUG SHELL - ALAF SINARAN ENT.PETALING MY 95.41
03 SEP 03 SEP SMILE LIFE DENTAL SUBANG JAYA MY 223.00
03 SEP 02 SEP SHELL-GOOD FORMULA KUALA LUMPUR MY 85.94
04 SEP 03 SEP NSK GROCER-3 DAMANSARA PETALING JAYA MY 29.15
05 SEP 05 SEP PERFECT HOME DEPOT SB KUALA LUMPUR MY 132.00
05 SEP 04 SEP S T WOH HWARE PJ SB P JAYA MY 536.40
05 SEP 05 SEP LATE PAYMENT CHARGE 24.57
06 SEP 05 SEP SHELL - SPEKTRA MURNI SELANGOR MY 49.45
07 SEP 05 SEP SS15 COURTYARD PARKING SUBANG JAYA MY 2.20
10 SEP 08 SEP SUNYANG ELECTRIC TRADING PETALING JAYA MY 399.20
10 SEP 09 SEP PETRON SEA PARK PETALING JAYA MY 70.00
12 SEP FINANCE CHARGE - 15.00% 71.90
12 SEP CASH MEGABONUS 5.11CR

This month total credit 5.11

This month total debit 5,755.34

YOU MAY HAVE OVERLOOKED YOUR PAYMENT. KINDLY

SETTLE THE OVERDUE BALANCE IN YOUR ACCOUNT.

Jumlah besar untuk akaun ini / Grand total for this account 8,252.58

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

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: [email protected]
 TARIKH PENYATA
120923 SN2369 STATEMENT DATE 12 SEP 2023

YAP FOOT KEAN

MEGABONUS TUNAI / CASH MEGABONUS (RM)

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

5,114.25 5.11 0.00 0.00 5.11

TEGASAN / HIGHLIGHT
Important Notice/Notis Penting

"Cancel Card" function is available in our PBe homepage. If your ATM/Credit/Debit card is lost or stolen, or you have responded to a
fraud/scam attempt and provided your card details to a third party, you may proceed to CANCEL/DEACTIVATE your card via our PBe
homepage without logging into your PBe internet banking.

Fungsi "Batalkan Kad" terdapat pada halaman utama PBe kami. Jika Kad ATM/Kredit/Debit anda hilang atau dicuri, atau anda telah memberi
respons kepada percubaan untuk menipu dan memberi butir-butir kad anda kepada pihak ketiga, anda boleh
MEMBATALKAN/MENYAHAKTIFKAN kad anda melalui halaman utama PBe kami tanpa perlu log masuk dalam perbankan Internet PBe
anda.

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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