The African Bank credit card thread

Zulfi · Jan 9, 2018

these guys are take ignorance to a whole new level

nicalitz · Jan 9, 2018

refer to my post on the first page.

if you have a gold credit card, you only make payments on credit used (i.e., your outstanding balance).

if you have a silver credit card, you have to agree to a fixed monthly deposit. so if you signed up for silver, the R4000 will be paid from your main FNB/ABSA/etc account to your ABCC account monthly via debit order. if you are not indebted to AB, you're free to withdraw this R4000 whenever

Awesum · Jan 9, 2018

nicalitz said:
refer to my post on the first page.

if you have a gold credit card, you only make payments on credit used (i.e., your outstanding balance).

if you have a silver credit card, you have to agree to a fixed monthly deposit. so if you signed up for silver, the R4000 will be paid from your main FNB/ABSA/etc account to your ABCC account monthly via debit order. if you are not indebted to AB, you're free to withdraw this R4000 whenever

Thank you. So what they said would be correct if it was a Silver card.

I have Gold.

nicalitz · Jan 9, 2018

yes. no fixed monthly deposit for gold

MB00 · Jan 9, 2018

mybroadband00 said:
Regarding withdrawing cash from ABCC

Maximum cash withdrawal of R 4000 per day at ATM’s
Maximum cash withdrawal of R 5000 per day at POS
Maximum cash withdrawal of R 6000 per day in total

ATM cash withdrawals above R100 (Plus 1.50% of transaction value) R11.40
ATM cash withdrawals less than or equal to R100 R5.70
Cash back at POS R7.50

Based on the above, drawing 10k would cost:

ATM - 4k/4k/2k over 3 days - R71.40 + R71.40 + R41.40 = R184.20

>>> [R11.40 + 1.5%* 2k / 4k] = R71.40 / R41.40

POS - 5k/5k over 2 days - R7.50 + R7.50 = R15 total

Is the above correct? is there any better way than the POS cash withdrawal?

Tried to draw cash at PnP for the first time today after AB confirmed that card was unblocked.

First tried 5k, failed
Then tried 5k plus item, failed.

Called AB to find out what was going on, they said POS cash withdrawals not working for the past year. I said that others had confirmed that it's working. I asked to speak to a supervisor and was put on hold for 10 minutes.

While on hold, tried just an item to confirm pin and working card, worked.
Then tried item plus 2k, worked.
Then tried item plus 2k again, worked.
Then tried item plus 1k, failed.
Then tried item plus 900, failed.

Is 2k the maximum that can be drawn at a time?

Any reason why the daily limit of 5k wouldn't apply at POS?

Awesum · Jan 9, 2018

Reading here: https://www.africanbank.co.za/en/home/more/manage-your-account/how-do-i-make-payments#

Speedster · Jan 9, 2018

mybroadband00 said:
Tried to draw cash at PnP for the first time today after AB confirmed that card was unblocked.

First tried 5k, failed
Then tried 5k plus item, failed.

Called AB to find out what was going on, they said POS cash withdrawals not working for the past year. I said that others had confirmed that it's working. I asked to speak to a supervisor and was put on hold for 10 minutes.

While on hold, tried just an item to confirm pin and working card, worked.
Then tried item plus 2k, worked.
Then tried item plus 2k again, worked.
Then tried item plus 1k, failed.
Then tried item plus 900, failed.

Is 2k the maximum that can be drawn at a time?

Any reason why the daily limit of 5k wouldn't apply at POS?

I've tested all manner of withdrawals and found that, contrary to ABs own info, POS withdrawals are limited to R4k per day. Oh, and you have to buy something for the withdrawal to work.

Speedster · Jan 9, 2018

Awesum said:
Reading here: https://www.africanbank.co.za/en/home/more/manage-your-account/how-do-i-make-payments#

It seems like it might be possible to fund your NA using easypay. If this works, there will be no need for the ABCC.

There is no easypay option for investments.

MB00 · Jan 9, 2018

Speedster said:
I've tested all manner of withdrawals and found that, contrary to ABs own info, POS withdrawals are limited to R4k per day. Oh, and you have to buy something for the withdrawal to work.

Thanks for confirming, then it makes sense that I was able to draw 2x 2k with items. AB are clueless.

Have you drawn 4k with an item in one go successfully before?

MB00 · Jan 9, 2018

Speedster said:
There is no easypay option for investments.

Agreed, the website is misleading as this applies to the ABCC and not ABNA.

Speedster · Jan 9, 2018

mybroadband00 said:
Thanks for confirming, then it makes sense that I was able to draw 2x 2k with items. AB are clueless.

Have you drawn 4k with an item in one go successfully before?

Yes, I've done R4k a couple of times. Most shops around here are only willing to do R3k though.

MB00 · Jan 9, 2018

Speedster said:
Yes, I've done R4k a couple of times. Most shops around here are only willing to do R3k though.

Perfect, that's good to know thanks.

On another note, I think the new website is a little buggy, only my ABNA reflected on the site this afternoon and now only my ABCC reflects.

Awesum · Jan 10, 2018

nicalitz said:
refer to my post on the first page.

if you have a gold credit card, you only make payments on credit used (i.e., your outstanding balance).

if you have a silver credit card, you have to agree to a fixed monthly deposit. so if you signed up for silver, the R4000 will be paid from your main FNB/ABSA/etc account to your ABCC account monthly via debit order. if you are not indebted to AB, you're free to withdraw this R4000 whenever

Where did you find this info?
I cannot find it in any of they online documentation.

nicalitz · Jan 10, 2018

its not documented anywhere, unfortunately. not sure why. after a lot of blood, sweat and tears, I managed to speak to a few higher-ups at AB who seemed to know their stuff. this is what I concluded from those conversations

Speedster · Jan 10, 2018

mybroadband00 said:
Perfect, that's good to know thanks.

On another note, I think the new website is a little buggy, only my ABNA reflected on the site this afternoon and now only my ABCC reflects.

My CC has disappeared off the internet banking this morning. Hoping it will make its reappearance soon.

Speedster · Jan 10, 2018

Snyper564 said:
Online is messed at the moment.

go on and off a few times it will appear again literally off on off on get the idea

It was back when I logged in a few minutes later again.

MB00 · Jan 10, 2018

Speedster said:
It was back when I logged in a few minutes later again.

Has anyone tried loading ABCC on the spot app?

Awesum · Jan 10, 2018

Do you get an SMS when you top up the CC? My online profile is still not working.

nicalitz · Jan 10, 2018

ABCC does not work on spot. the card can be verified, one step further than i managed with slide. unfortunately, payment don't seem to go through. throws a 'do not honor' error message. tried different recipients, no luck

nicalitz · Jan 10, 2018

Awesum said:
Do you get an SMS when you top up the CC? My online profile is still not working and I don't know if my easypay payment has cleared yet.

haven't been able to get my online services up and running either, kind of given up really. you can call customer service on 0861 111 011. the automated answering system offers the option to send your balance/statement via sms. you can maybe use that in the meantime

The African Bank credit card thread

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