No ... I haven't received such letter yet although I have kept the account @ zero balance. (However, my card is still new) Their CS and even the people @ SCB counter kept on telling me that the account and card goes hand-in-hand. Cancel either one and you'll lose both.

You can try and see whether the bank will actually close the account or not if you continue to ignore the letter. I personally felt that the bank could have miscalculated the fact that people will actually put money in the JustOne current account or not.

1. You can't deactivate the feature if you need to. Imagine having 100K in that account, you lose your card ... and realise it only 24 hours later. How much damage can a thief do to your bank balance?
2. Since the bank give you credit facility, do you actually need to bother about the debit facility ? No really ... coz better use the bank's money.  More logical for the bank to fight on your behalf in the event of a transaction dispute.
3. Some PR damage could have occured from the beginning as the bank force the cheque book onto you. Personally, I tried to decline the cheque book but the bank said no way.
4. To be fair, had anyone kept money in that account ... the interest rates is attractive and there's even a point for every RM10 you save.

I felt that you don't have any real compelling incentive to maintain the JustOne current account.

yes maybank screw it up, i requested the amex cc to be sent to my office but they sent it to my house by poslaju. Pos msia is another pain in the @rse because nobody was at home & they just dropped a message into mailbox requested me to collect the card at their centre in Taman Shamelin Perkasa.

Saadiq $aver's interest rate has dropped significantly. If i'm not mistaken, the first RM5000 won't have any interest paid. Last time i checked the rate was last week.

Yeah ... Saadiq Saver interest rates is so scary. I can't find where is JustOne interest rates, where did you find it ?

I don't think you can use the cc when the current acc is closed. The current acc is a requisite alongside the Titanium cc. Not only that, the bank also forces Just1 customers to have a cheque book when the current acc is approved. I don't mind to have another current acc but I don't need the cheque book. But SCB told me that I must have one in the beginning, and keep/destroy the cheque book forever if I don't issue any cheque.
Since I obtained SCB Just1 cc and acc, I have begun using SCB current acc and stopped using my HLB current acc. Reason being SCB current acc offers one of the highest interest rate in town. If I don't have an existing home loan with HLB, I should have already terminated my HLB current acc as the interest rate is much lower than what SCB offers me now.

However, I am not satisfied with SCB acc processing department who sent me the cheque book from Kajang branch. I applied Just1 through SCB CS main line and my house is not located near Kajang. There are quite a number of SCB branches in PJ and KL. In fact, there is an SCB branch located less than 2km from my house. I may encounter some difficulties if I want to cancel the current acc in future as I need to personally go to Kajang to cancel the acc and take back the acc balances.
So, the conclusion is that MBB gave empty promises of issuing CCs within 2 hours upon application approvals during Treats Fair.

Are you sure its combined? I call Amex CS and they told me its not, while during treatsfair, the personnel said its combined. I have sent those letter and I have use my card for petrol. My combined Credit limit stated at Amex Gold CC letter was Rm1k while Ikhwan Visa/Amex was 10x bigger. So thats mean I can use my new Amex gold till all 3 card reach combined limit of my Ikhwan? Why they stated only 1k at my Amex Gold CC?

Ooh...Is this a rules implement by MBB? Thats mean I have to call MBB CS to reduce my CL and then Call Amex CS to up my CL? If I know this before, I would not apply for this card.

Are you able to login to SCB online banking today?

My Ikhwan Amex/Visa are higher by 10. Amex CS said , they can't combine. Maybe I should follow Ghz suggestion. Will cancel my Ikhwan and get Amex gold CC upgrade limit.

Did the CS say how to perform the account cancellation ? Just call in and request ? What about the unused cheque book leaves ... can return and refund ?

why will auto close in 2 months?

Ok, you experience 1st and let us know the outcome. If it only functions as Cr, the Cr/Db problems will basically be solved. However, card recognition from all terminals is still unsure.

My only question now is that if they will increase the rate back to what is was last year when the economy is getting better again. We will know about a year and a half from now 

does that mean once u have close the current account, the justone will function as a credit card and u would not have any more issues with terminals ?

Just a note, Saadiq $aver has been reduced to 0.5% now for balance between RM0 - RM100000. As for e$aver account, it's been also further reduced to 0.4%, down from 0.7%. Going to close my e$aver account on Monday and transfer all the money back to my Public Bank account    Too bad, because i really liked them ... (for their savings's interest rate  )

Even though SCB has slashed its interest rates for savings and current accounts, I thinks its rates are still very competitive or the highest in town. Btw, why do you need to activate your Just1 current ac in Kajang since you have the Just1 cc?

Just noticed that I've received the 8% cash back for PBB CC mth 1
but did not manage to get the max RM50

, what is the last date of that month for your transaction which made the total to RM625?
i mean you could hv swipe >RM625 (thus reaching the max cash back of RM50) at the 1st swipe but your eight swipe is in the 4th week.

strange, my 9th transaction was posted on 16th June (totalling > RM625), yet the cash back is RM36 only
maybe no cash back for petrol??

need to go back and chk my earlier statements

Do bear in mind that cash rebates from PBB also exclude utility bills payment via www.pbebank.com.

@GHz
:hmm,but i do get points for petrol transactions (PBB MU Master)

@winner
issit, din notice from the t&c

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Added on August 14, 2009, 4:30 pm

yes, the CS did mentioned this during application