@alexwsk,
Er.. fax + email is not the same!

@alexwsk,
Ah well.. email isn't really considered 'official' correspondence I guess. In the same manner, we could always tell the banks we insist on wanting that letter to show they've declined our application

To me, 15 working days processing time is a waste of time!

@hye,
4 hours?! Er.. now that's pretty fast?! Dari mana?!

@cute_boboi,
hEHeh.. perhaps U should insist they send u an official letter.. give them work to do When we ask for this and that also we got to give them this and that mah

@cute_boboi,
You're not serious that the phone recorded message actually said, in verbatim "Too bad, we don't want U"

@hye,
Yeah that would make sense! But that's why asked him if that's what the banks said, verbatim!

@cute_boboi,
I don't think the banks would have used that actual statement. I'll be quite surprised if U said it was verbatim. There's so many other better ways of declining a person and telling them "Too bad, we don't want U" is just not one of em!

This post has been edited by tinkerbel: Jun 24 2009, 03:45 PM

@cute_boboi,
muAhahAHahHAhaHAHahA......... hence I never really play nice with banks

@alexwsk,
I still happen to hold accounts at a few banks. In fact, my last count, I have just too many CCs !! *grins* Just don't know which one I should cancel and when I finally decide to cancel they decide to waive my AF and tell me to just leave it be!

@alexwsk,
It's good to streamline. I have CC from quite a couple of banks but as mentioned, my primary card is Amex and Citibank.

Maybe it was at a fair like TreatsFair or something like that, that he managed to get his card in 4 hrs !

@winners,
Sometimes it's not entirely the banks fault. It could be that the person she lodged the application with held on to it for eons.

@winner,
Yes it's ridiculous. I remember my sister and her boyfriend (now husband) put in an application for an Amex card at Carrefour and since then, we haven't heard from Amex.

We suspect the application wasn't lodged but as to whether or not he did anything, I don't know; my guess is that he just left it.

@winner,
Nah.. we don't think the card will ever come. They aren't too bothered anyway. It was because the salesperson was pleading with them they decided to help him by applying.

@small-jeff,
Yes it IS against T&C if U gave ur card to a friend to make purchases with. Of course, he can get away if he's using it at a petrol station cause there's no signature required but still, it's not officially allowed.

Either U go with ur friend to make the purchase of issue him a supplementary card?

@cute_boboi,
Yes... CC salesperson does get more commission for Platinum cards approved hence they always try to bodek U to apply for it even if U don't need it.

@GHz,
Can U call them again and speak to another CS to clarify again?! Sometimes we just can't trust these people lah!

@cute_boboi,
iYah.. if can help people then help lah.. U apply, keep the card 6 months, he may have just enough $ to feed his family and U would haf done ur good deed for the day U don't lose and U helped him out

siGh.. take free gift then cancel card lah hor?! hEHehehhehehEHehe......

@David83,
That's going to be good news for a lot of people. However the new tax deduction scheme structure sux! Ok, that's not to be discussed here

@he-sham,
In those situations, U could always call the CS up and ask them to waive the late finance charges + whatever interest charged

@he-sham,
Just contact them and make sure they do it next month. The only thing I don't like about all these automated system is that by default it shows ur late and hence ur interest rate increases

I love to see my Interest Rate level at 13.5%! But really it makes no difference to me because I pay my bill in full each month.

@Kazachok,
You're a student and u still take ur money from ur parents; so how then is it that you're going to manage your own finacials and expenses?!

Also, I see no reason for U to need a CC of ur own unless U intend to make purchases ur folks do not approve of!

@MilesAndMore,
He did say he's 22!