I wonder how you sound like or how the CS staff respond when they hear your voice? Just kidding!

Anyhow, try to be as rational as possible while talking to CS staff. They may just waive the fee if you have a good track record with the bank.

@creed,
Just tell the CC company U tried to use the card but after several attempts it failed. That way, they will send you a replacement card FOC. Don't lah go tell them the card is torn or something

@muscaa,
No need to terminate lah, just tell them the card is not usable.

@zazaza2009,
Make police report?! That's a bit over the top IMHO.

if i knew this trick earlier I'll try, but I'm going to terminate the HLB card anyway, no point trying now :-)

Just return the crack card to them, say the bank should give better quality card and keep on talking and complaining, they will tak boleh tahan and give you replacement la....... hahahaha. If the card is crack but still usable, use a strong magnet (form hard disk), destry the card information inside the chip la. If to be secure use 4 magnets and leave it overnight, sure guarantee 100000% the information went bezerk.

If you aren't happy with the cc/bank, just cancel it, as there are many other good CCs in the market await you. Do make sure you redeem something before you terminate it.

Btw, there is no good promotion from HLB after the 5% cash back promotion. The recent "kids eat for free" programme doesn't sound attractive.

@creed,
U know the trick now *smiles* In fact, I'm thinking, maybe I should ask Amex to send me a new card before I cancel it *smiles* - that way when U people ask for pictures, I can have a brand new shiny Amex Platinum to show off

Thought most banks only charge RM10 for card replacement which more than often they would help waive the charges also

I have another question. My CC Visa eagle hologram destroys overtime as the friction with the card machine. How to prevent the eagle to be killed? If put a layer of laquer, then it may risk a fake card identification, if put celophane tape then look funny and lame. How? Thanks for any feedbacks.

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Added on July 15, 2009, 10:07 pmIf just RM10 ok la, give them la. Just get a shiny card and showoff to people behind your queue at Tesco or other places.

I wonder when all CC will be metal made like Centurion or Black Card. Walaueh...cool.

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Added on July 15, 2009, 10:11 pmFiberglass to replace plastics also a good idea. I watched on Astro that a type of carbon fiber that will retract to it's original shape when dip into hot water and is harder than metal. Used by NASA projects. Thats COOL !

This post has been edited by zazaza2009: Jul 15 2009, 10:11 PM

yea, that's the thing, I was really pissed due to certain issue, and I just apply Maybank and will wait to divert all the auto-debit before cancel it.

help! urgent

i want check with your, online payment to Singapore got any extra charges for HSBC / Direct Access / OCBC?

@vin_ann,
Er.. HSBC / DA got. OCBC I'm not too sure.

@zazaza2009,
When the hologram gets cacat then just request for a new card; better still... don't use the card U haf and just keep it in the safe; that way, it'll be in great condition

This post has been edited by tinkerbel: Jul 15 2009, 10:28 PM

AFAIK, banks will typically replace damaged and faulty cards free of charge (in which they retain the exact card number combination et cetera). however, if the card is lost or stolen, the bank may, however, inflict upon you a fee (which makes perfect sense IMHO)

oh boy, you must really enjoy those moments, showing off your credit card eh?

this isn't a personal attack, but seeing how using a shiny new, platinum card caused you to beam with joy, it must really take a minimal effort to appease you.

anyway, a layer of cellophane tape will not do justice to your card. i reckon a 20mm translucent plastic container (where they have those magnifying glass effect) will be a more feasible option.

@ Tinkerbel

HSBC got? i remember when im pay my professional subscription fee to UK, there are no extra charges...

does principle and supplementary can have separated account summary? i always get a nag when i purchase something.

nope. your principal account has the actual authority in regards to everything.

thanks.. i heard having a current account (house loans purposes) can help getting a cc is it true?

The marketing term is "Pre-approve" but not necessary go through. Higher chances it would get approved though.

mostly when is Pre-approve, some bank will just send the card to you and asking you to activate the card.

thanks. ok i wait patiently first, at the mean time i actually apply a card using my directorship. its 2nd week....i haven't receive any call yet.

This post has been edited by changjie83: Jul 15 2009, 11:00 PM

@vin_ann,
The last I checked (dun remember which thread V5 was it) the CS and my RM gave me 2 different set of information. Then, there was no admin charges but someone later reconfirmed to say there were admin charges with HSBC.

PS: My RM told me don't have admin charges; maybe she meant the Premier CC which is what I hold. The CS on the phone told me there is - so I'm really not too sure.

For DA I'm sure there is because I personally called and spoke with the CS. As to uhm.. the other bank U asked, I'm not a member so not sure.