if they want to charge you for it, just tell them to cancel the card and move on.
Credit Card Thread V7, Everything about the world of plastic
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 Jun 30 2009, 10:39 AM
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Senior Member
737 posts Joined: Jan 2003  
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Jun 30 2009, 10:41 AM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(eddievh @ Jun 30 2009, 10:22 AM) May i know which bank offer free damaged card? I read from previous forumer post sometimes card get stolen they also insist wanna charge Rm50 That was UOB. Circumstances is different coz the bank consider lost as negligence and they have to regenerate new card and block the old one. Damaged card is via wear and tear. You can try calling (please don't threathen) your bank and explain your problem. Normally you should be able to get a replacement. If they refuse, just cancel the card or wait till your card replacement is due. (Hopefully that's not too long a wait)  UOB is very rather weird about PIN replacement either. Their system seems can't generate a new PIN without cancelling your old card. Folks who lose their UOB PIN beware ... the bank may charge a fee for PIN replacement. This post has been edited by hye: Jun 30 2009, 01:50 PM |
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Jun 30 2009, 01:22 PM
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All Stars
10,912 posts Joined: Feb 2006
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previously i requested to changed my wear n tear hsbc card with customer service.
but they will be a rm50 charges on the card replacement. |
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Jun 30 2009, 02:15 PM
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All Stars
21,311 posts Joined: Jan 2003 From: Kuala Lumpur 
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QUOTE(eddievh @ Jun 30 2009, 10:22 AM) May i know which bank offer free damaged card? I read from previous forumer post sometimes card get stolen they also insist wanna charge Rm50 The first Free-for-life-without-strings-attached CC : Direct Access |
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Jun 30 2009, 02:30 PM
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Senior Member
1,248 posts Joined: Jul 2005
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as expected, directaccess visa infinite min requirement will be lower than CIMB visa infinite..
http://www.directaccess.com.my/index.php?c...rd&ac=47&tpt=da QUOTE  Direct Access Visa Infinite Exclusive Benefits:- a No Annual Fee - Direct Access Visa Infinite is offered Free for Life a Direct Access Visa Infinite Card members will enjoy a 0.5% cash rebate on local retail spending and 1% cash rebate on overseas retail spending. a Exclusive Golf Benefit Tee off at these exclusive golf course without having to pay green fees: a Tropicana Golf & Country Resort, Selangor a Perangsang Templer Golf and Country Club, Selangor a Kota Permai Golf and Country Club, Selangor a Bukit Jawi Golf Resort, Penang a Palm Resort Golf & Country Club, Johor a The Legends Golf & Country Resort, Johor a Nexus Golf Resort Karambunai, East Malaysia a Damai Golf & Country Club, East Malaysia a Eastwood Valley Golf & Country Club, East Malaysia a Tiara Melaka Golf & Country Club, Melaka a Hypermarket Rebates Get a 5% rebate at Tesco and Giant on the 1st of every month and 2% rebate on all other days from 1st July to 31st Dec 2009 (rebate shall be capped at a maximum spending of RM200 or rebate of RM10 on every 1st day of the month and RM2,500 or rebate of RM50 per monthly statement). a Exclusive rebates and discounts at over 500 merchant outlets all year round a Upon approval customer will entitle to 2 vouchers for access to Malaysia Airlines Golden Lounge a 1 x Access Voucher to Malaysia Airlines Golden Lounge in Malaysia. a 1 x Access Voucher to Malaysia Airlines Golden Lounge in Worldwide. a Special rebate at participating merchants a Discount for LIVE celebrity concert tickets a Luxurious suite at the Dewan Filharmonik Petronas, KLCC Various Visa Infinite benefits whish includes: a Complimentary golf at 10 exclusive regional golf courses in China, Singapore, Thailand and Malaysia. a Access to 500 of the world's best golf clubs. a Dining privileges at the most chic restaurants in the region brought to you by The Miele Guide. a Unique travel plans that are crafted to suit your distinguished lifestyle. a Discover the most elite clubs in the region where you can relax and unwind. a Exclusive airport shopping privileges. Requirements Income: RM180,000 per annum Minimum age: Principal: 21 years old Supplementary: 18 years old Citizenship: Malaysian Documents required, non-returnable: i) Photocopy of IC (front & back) ii) Business Card iii) Income Documents |
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Jun 30 2009, 04:35 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(winner @ Jun 30 2009, 09:04 AM) However, the strongest selling point is free for life. And also the nicely designed card, just like their World Mastercard. Unlike HSBC Premier ...  Sorry, couldn't resist it.QUOTE(winner @ Jun 30 2009, 09:04 AM) Btw, has anybody here managed to get AF waiver for SCB Visa Infinite? Standard Chartered Singapore is now issuing complimentary VISA Infinite to their Priority Banking customers. Believe Standard Chartered Malaysia will follow suit soon.QUOTE(ronnie @ Jun 30 2009, 10:13 AM) I changed my card due to crack (at the magnetic strip area) Mine too !!! Just last week i complained that the chip no longer can be detected (tried it at several different places) but surprising the CIMB CDM can still read the card when i went to make the payment 3 days ago. Thought the card's good to go now but guess what ? Once the card's out there's a crack on the right near the magnetic strip  QUOTE(hye @ Jun 30 2009, 10:41 AM) UOB is very rather weird about PIN replacement either. Their system seems can't generate a new PIN without cancelling your old card. Folks who lose their UOB PIN beware ... the bank may charge a fee for PIN replacement. Same with HSBC. Had the same problem with their ATM card a while back. Was told they couldn't reset the password and they have to cancel the old ATM card and issue a new one. Assume it is the same for their credit card. |
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Jun 30 2009, 05:19 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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QUOTE(MilesAndMore @ Jun 30 2009, 04:35 PM) Mine too !!! Just last week i complained that the chip no longer can be detected (tried it at several different places) but surprising the CIMB CDM can still read the card when i went to make the payment 3 days ago. Thought the card's good to go now but guess what ? Once the card's out there's a crack on the right near the magnetic strip Is it possible for the CDM to have dual-read mechanism ? If read-chip failed, it takes the mag-stripe reading ?  Anyway, you can cut the mag-stripe at near edge corner away (e.g. 5mm each way) and the card might still be readable normally. The data is mainly kept in more centre portion about 60-70mm of the 86mm full length. |
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Jun 30 2009, 05:30 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(cute_boboi @ Jun 30 2009, 05:19 PM) Anyway, you can cut the mag-stripe at near edge corner away (e.g. 5mm each way) and the card might still be readable normally. The data is mainly kept in more centre portion about 60-70mm of the 86mm full length. The crack is 2cm long. I guess it's time to put it to rest for good  |
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Jun 30 2009, 05:58 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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QUOTE(MilesAndMore @ Jun 30 2009, 05:30 PM) The crack is 2cm long. I guess it's time to put it to rest for good 2cm horizontal (parallel) to the mag-stripe ? Or vertical ? Or diagonal ?If horizontal, the mag-stripe may still work, as it needs only 2 tracks (each ~2.8mm in height) to work for CC. Total has 3 tracks, hence mag-stripe is ~9mm in height. Nevermind, getting technical already  If you got too much free time tongue.gif bring some cello-tape + scissors + 1 dummy plastic card to CDM 1) Cover 2-3 layers cello-tape onto the chip. The chip is contact-smart-card, i.e. need to contact to read the data in chip. Try in CDM if can detect or not. If detect, means it uses magnetic as secondary. 2) To disable the mag-stripe is a bit more difficult. Even if covered, magnetic reader can read through it. The most fool proof way is to cut the entire mag-stripe away,  then get another dummy card, cut the bottom portion (without mag-stripe) and paste onto the actual card with cello-tape . voila! you got a bank card without mag-stripe. Try again in CDM (without covering the chip). If can read, means the chip is not faulty. Else, vice-versa.Nevermind, forget all the above.  ---------- *Edited* Actually step 2 above should be step 3. The middle-step is to use a high strength magnet (e.g. Neodymium magnet) to erase or make the card faulty. Perhaps the mag-stripe is a REQUIRED criteria to read the card ? This post has been edited by cute_boboi: Jun 30 2009, 06:17 PM |
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Jun 30 2009, 06:19 PM
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Moderator
3,395 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(MilesAndMore @ Jun 30 2009, 04:35 PM) And also the nicely designed card, just like their World Mastercard. Unlike HSBC Premier ... Dunno about this coz actually SCB Malaysia can issue Infinite to their customers but need to maintain a RM300K deposit with them. I find this slightly outrageous coz they just raised the qualifier by RM50K from the initial RM200K. Sorry, couldn't resist it.Standard Chartered Singapore is now issuing complimentary VISA Infinite to their Priority Banking customers. Believe Standard Chartered Malaysia will follow suit soon. |
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Jun 30 2009, 07:19 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(hye @ Jun 30 2009, 06:19 PM) Dunno about this coz actually SCB Malaysia can issue Infinite to their customers but need to maintain a RM300K deposit with them. I find this slightly outrageous coz they just raised the qualifier by RM50K from the initial RM200K. RM300k makes sense actually, since in most other countries the entry level is ... erm for example Citibank Thailand, HSBC Thailand and even Standard Chartered Thailand require you to have THB3 Million (about RM300k) in deposit with them to qualify for Citigold/Premier/Priority Banking.Citbank/HSBC/Standard Chartered Singapore entry level is SGD200K (about RM490k) Citibank/HSBC/Standard Chartered Hong Kong entry level is HKD1 Million (about RM460k) Citibank/HSBC/Standard Chartered Taiwan entry level is TWD3 Million (about RM300k) Just to compare only lah So i won't be surprised if one day all the foreign bank in Malaysia raise their entry level to RM300k. |
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Jun 30 2009, 07:28 PM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(he-sham @ Jun 30 2009, 02:30 PM) as expected, directaccess visa infinite min requirement will be lower than CIMB visa infinite.. I wonder why CIMB issues Visa Infinite too under its subsidiary DA. I don't feel they will complement each other. They are under the same group. This will only confuses customers.http://www.directaccess.com.my/index.php?c...rd&ac=47&tpt=da It's time for CIMB to drop DA brand. DA alone doesn't sound like a bank. CIMB brand is much stronger and more recognised than DA. Southern Bank had long been acquired by CIMB and it's already a past story. |
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 Jun 30 2009, 11:44 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]
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Jul 1 2009, 07:51 AM
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Senior Member
1,230 posts Joined: Sep 2008
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QUOTE(winner @ Jun 30 2009, 07:28 PM) I wonder why CIMB issues Visa Infinite too under its subsidiary DA. I don't feel they will complement each other. They are under the same group. This will only confuses customers. Actually DA was a spin-off from Southern Bank, which was then bogged down and sloggish in order to improve services for personal banking thus taking out the corporate element and other unnecessary obstacles related to full fledge banking. It took off very successfully since it has a different management composition and it was them who introduced the first plat card to malaysian shore and not Southern Bank.It's time for CIMB to drop DA brand. DA alone doesn't sound like a bank. CIMB brand is much stronger and more recognised than DA. Southern Bank had long been acquired by CIMB and it's already a past story. When CIMB took over Southern Bank, they too saw the wisdom of maintaining the independance of DA, which surprisingly has a much better card portfolio ie. much much lower repayment issue and provides better ROI than the generic CIMB cards. In fact the so called prestige CIMB cards today are a direct legacy from Southern Bank as otherwise they will still be another Bank Simpanan kind of card issuer. Further, they both have individual card centre and staff fyi. And for a lot of graduates/professionals, they are indeed proud to hold the DA cards as opposed to the generic CIMB cards as it truly differentiates them. So in a way, the DA card label is actually even more prestige than CIMB's generic label, which will ensure its here to stay for quite awhile  This post has been edited by tgeoklin: Jul 1 2009, 08:08 AM |
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Jul 1 2009, 08:13 AM
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Senior Member
12,696 posts Joined: Aug 2008
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Hi. What credit card gives this:
1. Free for life 2. Give rebates instead of points or give rebates for petrol. Excluding DA or CIMB cards. Thanks. |
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Jul 1 2009, 09:00 AM
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All Stars
21,311 posts Joined: Jan 2003 From: Kuala Lumpur
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Direct Access Mastercard
5% Petrol Rebate on the 1st of the month (1 July till 31 December 2009) 2% Petrol Rebate on other days of the month (1 July till 31 December 2009) Direct Access Visa 5% Rebate at Tesco & Giant on the 1st of the month (1 July till 31 December 2009) 2% Rebate at Tesco & Giant on other days of the month (1 July till 31 December 2009) |
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Jul 1 2009, 09:34 AM
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Senior Member
2,221 posts Joined: Apr 2008
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QUOTE(cute_boboi @ Jun 30 2009, 11:44 PM) What's so special at the threat fair? Any good freebies? The new Amex gold cc might be promoted at the event.QUOTE(tgeoklin @ Jul 1 2009, 07:51 AM) Actually DA was a spin-off from Southern Bank, which was then bogged down and sloggish in order to improve services for personal banking thus taking out the corporate element and other unnecessary obstacles related to full fledge banking. It took off very successfully since it has a different management composition and it was them who introduced the first plat card to malaysian shore and not Southern Bank. Personally, I don't think having 2 entities selling the same concept within the same organisation is good in the long run. In today's challenging market, cost efficiency and branding are crucial to successful management. When CIMB took over Southern Bank, they too saw the wisdom of maintaining the independance of DA, which surprisingly has a much better card portfolio ie. much much lower repayment issue and provides better ROI than the generic CIMB cards. In fact the so called prestige CIMB cards today are a direct legacy from Southern Bank as otherwise they will still be another Bank Simpanan kind of card issuer. Further, they both have individual card centre and staff fyi. And for a lot of graduates/professionals, they are indeed proud to hold the DA cards as opposed to the generic CIMB cards as it truly differentiates them. So in a way, the DA card label is actually even more prestige than CIMB's generic label, which will ensure its here to stay for quite awhile In the case of CIMB/DA, they offer same products which may confuse public. If CIMB is worried about losing its market share from existing DA customers in the event that such consolidation happens, the effect, in my opinion, is insignificant. The reason being all the existing DA cardholders are already aware that DA is part of CIMB, with the exemption of a number of retailers and public. Moreover, CIMB has now learnt enough the success story of the "free for life" concept as well cc innovation and marketing. Should such consolidation not happen in the future, CIMB should be more proactive and innovative by creating completely different products for its CIMB cc segment which can distinguish the 2 brands. Just my 2 cents.  |
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Jul 1 2009, 09:34 AM
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Junior Member
429 posts Joined: Jan 2003 From: Malaysia
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Now got incentive to take out my DA Visa card to use... for Tesco/Giant shopping
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Jul 1 2009, 09:50 AM
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All Stars
21,311 posts Joined: Jan 2003 From: Kuala Lumpur
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There's no "threat" at MBB TreatsFair
 Instant Credit Card approval at Treats Fair is one of the highlights |
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Jul 1 2009, 09:52 AM
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All Stars
21,311 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(hocklai8 @ Jul 1 2009, 09:34 AM) Now got incentive to take out my DA Visa card to use... for Tesco/Giant shopping Who needs a Giant-Citibank credit card or Tesco-RHB credit card now... hahahahaI wonder why they left out Carrefour |
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