You should have asked for the waiver first and confirmed that the AF is removed then only cancel.
To your case, simple ... wait for your next statement and see whether they did remove the AF. If AF is there then ask to waive it by virtue that you are not using the card anymore. Under normal circumstances, that should get it waived.

Remember ask nicely ... do not threathen the CS . And we here do not advocate any bad tactics to get your AF waived.

Yeah ... I think so too. The problem with JustOne and certain terminals lie with the card itself. I this its the embedded programming on the card, so any changes means you need a new JustOne card.

Citibank implementation of Customer Credit Limit. (Seems new to me!)

Citibank Customer CL

Very high ... you can buy yourself a house or a Toyota Camry with still some room to spare. Why are you asking this question ?
These high CL need to be justified and you need the financial capacity to support these CLs ... you can't just walk/call to the bank and ask for these super CLs.

Bro MilesAndMore just answered it earlier. Highest possible CL you can have on a single card is RM300k. (For some banks, it is RM200K) I don't know if in actuality there's anyone holding a CL higher than that. (or needs to)

I'm with you on this one. I was shocked too when it was revealed that theirs was the highest.
In fact it should be BNM makes it mandatory for the banks to display how much are these "extra" charges are for transparency purposes.

ABMB CS is not exactly in my fav list.

To your question on overseas transactions, so long the merchant is not located in Malaysia it will be considered an overseas transaction. Example : If you buy a Malaysian Airlines one way ticket Bangkok->KL don't be surprised that the transaction is actually charged in Thailand and considered as an overseas transaction. (obviously coz it's paid in THB)

See the first post for the info and read your T&C that comes with your card. You should search under "International Transaction" and you'll get your answer!

Finally ... at least their PB customers can get back something after a dismal returns on their savings/current accounts. When they say relaunched their PB service, what does it means ?

Great Job @MilesAndMore

And the PB Infinite card looks cool ! Let's see what would the Malaysian version looks like. I would have been satisfied enough with the current design and this is definately better than HSBC's Premier.

No, your relationship (or anything else) with your current bank will not be affected by doing Balance Transfer. Unless you have been a bad paymaster then it already bad even without the BT.

Where do you heard this myth ? I'm rather curious about the origin of the questions sometimes.

Wow ! Interesting debate ...

Just to share from someone I know ... experience from Alliance.

Basically same scenario

- Unable to deliver card to receipient
- Card goes back to the back after 2 weeks
- Bank then sends one letter ... asking to collect card
- Bank send one more letter to collect card after 2 weeks and give 30 days to collect card or else account will auto terminate and closed.

Difference is that

- Never receive statement and say AF is charged
- Account is auto closed after a while due to non-collection of card

I agree that the bank should not play dirty and refuse to cancel the account in this case.

Agreed ... you have to be more specific. You are looking for cash rebates ? Promos ? Best CS ? etc ?

OT ... hiya tinkerbel ... long time no see ya around.

This is your bank's account activity. It's either those PDF e-statements, those mail that you get from the bank on a monthly basis (for current account) or your bank book's pages. (I don't think bank accounts uses the old bank book these days right?)

Best if you use the account statement where your salary is being banked in and as for business owners, it'll be your business bank account where all the cash inflows and outflows occurs.

I'm actually surprised by this question ...

This post has been edited by hye: Aug 17 2009, 10:18 AM

Hi there ....

Unfortunately, I can say nothing else but bad news to your case. You should have been more careful and responsible for your wife cc payments, period. The bad record is unfortunately irrepairable as this little incident will marked permanently in your wife's financial records that is shared across all banks. Your wife will find it difficult if not impossible to apply loans, cc or any financial products from all banks in Malaysia.

I do not mean to be mean but you have effectively destroyed your wife's financial records and made her "blacklisted/warning" in all banks in Malaysia. Please be more responsible in the future irrespective whatever reasons that you may have especially when it comes to dealing with banks.

Since you have made full payment.
- Report this to AKPK/BNM. (Both agency ... not either or) AKPK/BNM will assist you in obtaining a letter from the bank saying that you have made payment to your debt. However, please bear in mind that the record of bad payments will not go away.
- From hereon, always make prompt payments for anything at all and careful not accumulate debts as your risk ratio will go higher. This will eventually form a new financial historical history and you will be in a better position in 1 year from now. Why 1 year ? ... Coz that's is the minimum period that banks will evaluate your financial history.
- Forget about the MBB card. If it is already paid off but bank remain stubborn to unblock it, forget it and just use UOB and RHB card. I don't blame the bank if they are now scared of you and now do not want you as their customer anymore. I mean if you were the bank then wouldn't you be worried having a delinquent customer as well ?
- In future whenever you apply for loans / cc / financial products, you need to attach this letter.

I hope there's lessons learnt here for yourself and your wife to be more responsible for your debts ... especially cc debts where you are using the banks money for your spendings. Apologies for my honest words.

This post has been edited by hye: Aug 17 2009, 03:12 PM

Just to add to what already been mentioned, I believe loading it up to your ATM is good if the country's banking infrastructure is good. Plus not to mention that the exchange rate @ the ATM is probably better than your money changer back home. I can personally vouch for this.

However there will be cases where you have no option but to carry loads of cash simply because the banking system on the other side is bad / minimal or even they simply do not accept credit card. Eg. Try to do some travelling to Myanmmar or to some parts of the old Russian Republic and you'll see what I mean.

This post has been edited by hye: Aug 18 2009, 07:07 PM

Yeah ... someone please report this to AMBank. Protect all the cc users out there and put a stop to this scam.

Should be about the same. The JustOne card was on Mastercard and the Platinum Business is on VISA. As already mentioned, new application for JustOne accounts are now suspended.

Do tell them nicely and don't threathen them. We don't advocate such behaviours. No need to get upset if they do not want to waive you coz they do not publish it as a AF Free card in the first place in case you want to compare them with other banks. It is their right to charge you AF coz they publish it and they are after all a commercial entity.

If they don't want to waive then cancel the card unless you are hard up about the card then you have no choice lah.

---

Added on August 26, 2009, 10:13 amI used to have this card and I can tell you that this card does not fall under the World Mastercard category. Only the word "World" is printed on the card but priviledge is the same as Platinum level card. Card design is standardised across all HSBC but World Mastercard priviledge does not exist for HSBC in Malaysia. To me they can call their card whatever they like but the priviledges need to come together with the ownership of the card. An example .... who would want a Platinum card with basic CL and priviledge just like a basic cc but pay high AF and require high card membership requirement.

Don't believe me ? Try this ... walk into HSBC branch and say you want a World Mastercard, note down what would the bank's response would be. Can even try this at their Premier center.

This post has been edited by hye: Aug 26 2009, 10:17 AM

If you like the card then by all means just go and get it. The regular folks here have been using cc for a while, so likely they have their own preferences. If you ask any of us then we will then you apply this and that but I always say to everyone that ask me, cc is an individual choice coz only you yourself knows your own spending patterns.

No such thing as best credit card in Malaysia ... it is all a matter of preferences.