Since my SCB application failed, I requesting a credit-limit increase on my current HLB Gold Visa, I'm just asking the limit to be increased from RM9500 to RM15000, yet it still failed and I requested for a reason, but CS told me they can't do anything, all the application is subject to the management approval or things like that...I can't believe it as I'm holding this card for close to 4.5 years, and nv ever has a late payment and all the time I'm settle the full amount.

Anything I could do? I've got myself both recent print-outs from CCRIS and CTOS...recently I've a transaction online and believe it or not, I need to transfer money to my HLB account to clear up the limit issue so that the new transaction can go thru successfully.

I'm looking for a replacement card for the HLB now and will nv ever turn back...

Hi all,
I've a fraud case back in early 2008 with MBF card coz I lost my card without realising it, so I guess someone took the card and swipe extensively at all Petrol Kiosk in Puchong back then (in a day he/she might swipe up to RM700 splits into multiple transaction), till I receive a call from the bank stated I've outstanding bills only I got to find out the issue.

Immediately I filed for a police-report and appeal to the bank stated these are not my transaction, appeal went on and on and they still said its my responsibility to settle the amount as I didn't take care of my own card :-(, fine then, during my 3rd appeal, I received a court-case letter from the said bank, to avoid any troubles, I just made the full settlements.

I thought everything went fine, till recently I went to applied SCB Platinum, I'm meeting and actually exceeding their eligibility by quite a margin, and yet it failed stated I've a record at CTOS, last 2 days I made myself available and went to get my printout for both CTOS and CCRIS, I've perfect record for CCRIS, but this mentioned case is in CTOS, but has been closed and remark with "Debt fully settled".

Since my SCB application failed, I requesting a credit-limit increase on my current HLB Gold Visa, I'm just asking the limit to be increased from RM9500 to RM15000, yet it still failed and I requested for a reason, but CS told me they can't do anything, all the application is subject to the management approval or things like that...I can't believe it as I'm holding this card for close to 4.5 years, and nv ever has a late payment and all the time I'm settle the full amount.

Anything I could do? I've got myself both recent print-outs from CCRIS and CTOS...recently I've a transaction online and believe it or not, I need to transfer money to my HLB account to clear up the limit issue so that the new transaction can go thru successfully.

I'm looking for a replacement card for the HLB now and will nv ever turn back...

Thanks for the head-up, but its back in 2008 and moreover i already settled the payment, what could I do now? 

@vampbreak,
RM20k? Sure boh?!  Besides I thought CL is different for every individual !

I am surprised that you were not given increase CL as you claimed you have been paying in full. How about you asking for upgrade to HLB Plat since you qualify for SCB Plat. Another option, write an email to HLB and let them know your dissapointment.

SCB is quite stringent, apply with other banks. Next time you go 1U and Midvalley, stop by the many credit card booths and apply for all, sure you get 1 card. If you have FD with a particular bank, try apply CC with that bank and state the account number their your easy reference.

A recently court decision has ruled, in cases like yours, the limit is RM250. This is the law of Malaysia and override any contract the card company may impose on you.

* vampbreak
You meant the Miau bank Petronas Visa give 20k credit limit? that's just a gold card, may be you're VIP that's the reason :-)

@vampbreak,
Y would U need RM23k CL when ur bill's <RM500!   *Show Off* j/k

Do you know which bank offer the best balance transfer rate?

Do you know which bank offer the best balance transfer rate?

what is balance transfer anyway? I ask this question sometimes ago 

Please understand, a Court Decision is only precedent setting but not retrospective binding. Further, to use the above ruling without knowing or understanding fully the judgement rationale is very misleading as circumstances may differ 

Err~ I think 15k is a standard limit for every Miau Bank Gold Card? I'm far away from that VIP reason 
MYR 15K is only AUD 5k. How to survive la.   In addition to that, we are collecting MR not TP. Me is Amex fan la. 
So my amex bill are 2-3 pages more than visa. I use Miau Bank Petronas for petrol only. Where got Petronas in AU ?

p/s : Here petrol paid by company. Keke 

With Amex charge card, there's no need to worry about CL 

Clause 13.2 of Bank Negara's Credit Card Guideline:

"The cardholder's maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250 provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen."

Pretty clear to me.

That why I'm a charge card fan. Amex work like a charm and accepted widely overseas. Miau Bank Card good for backup....and installment plan..

Sorry, dig back a bit. If refer to this MBB Amex:
Maybankard American Express Gold

At the bottom of that page:
Read our credit card agreement (PDF)
It is stated clearly MBB Visa, MBB Mastercard and MBB Amex are referred as Credit Card.

It is not mentioned MBB Amex is a Charge Card category.
On the other side, it is not mentioned about the above agreement for Charge Card, e.g.
American Express Gold Card

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Added on July 8, 2009, 12:19 pm

Yes, that's my understanding from reading this thread, Charge Card thread and also my own research on MBB Amex and Amex's Amex.

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Added on July 8, 2009, 12:20 pm

Good info.

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Added on July 8, 2009, 12:23 pm

This means:
1) MBB Amex can only offer Amex Credit Card
2) Amex's Amex can offer both Amex Charge Card and Amex Credit Card

Right ?

Bad card 
Not really. In United States, there are many AMEX credit card issued by AMEX itself as well as AMEX credit card issued by Bank of America.
Actually there is only VISA Electron but no Mastercard Electron. There is however a debit Mastercard version.

Since you are working overseas, should consider dumping your Miau Bank and getting an Alliance Bank Card, no admin fees on forex translation plus evergreen points. Free for life as well while giving you higher CL to boot 

The statement "provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen" depending on how its proven or interpreted leaves a lot to the imagination. Go to Court and listen to some hearing will give you a better idea on what I am talking about 

That why I'm a charge card fan. Amex work like a charm and accepted widely overseas. Miau Bank Card good for backup....and installment plan..