Oh so fast new thread already.

I just got my new HSBC card, does it requires 6 times swipe for free for life?
Im lazy to ask the guy when applying lolx

I changed my DirectAccess Mastercard 3 times. I managed to get to waive the charges stating it's not my fault the chip failed. it's a manufacturing defect.

By any chance do you use it at Petronas stations often ?

@alexwsk,
If the chip doesn't work it just doesn't work, so if U need to change it 10 times U need to change it 10x

@Michael_G, applying for credit card is not rocket science and rejection is normal. It took me around 3 years before SCB finally accepting my cc application. Bro @winner is right, just apply for all and see which bank accepts you if you are so uncertain about yourself and worry about not having 1 year @ work yet.

Bro @Michael_G, it took me 1 year back then before being able to apply for cc although my salary qualifies. Patience is a virtue and please don't treat cc as a must have item in your life. It is a nice to have convenience in life but often abused by people who couldn't control their spending habits very well. It tickles me to hear people complaining about banks charging them a lot of credit card interest. In the first place, you won't have this problem if you have been paying your bills in full every month right ?

I have a friend who survives without cc for many years and travelled around the world yet he lives comfortably without worry even in a foreign land.

Just one credit card max is 5% rebate on friday and 2% on other day right?

alex & Ghz,

Have you tried using SCB Just1 at Shell? Can you check your unbilled statement online whether there is rebate for your transaction at Shell? Also, check whether SCB reimburses you with the RM50 early bird incentive. Pls update me.

Oh...glad to hear the rebate is applicable to ALL retail transactions and I don't need to switch to Petronas.

Hi Alex,

What is mean of CR? Means whether we need to select either debit card or credit card?

I just went to SC office in Taipan..It is possible just to get credit card only. They will not open debit account or current account..So there is no more problem lor

if i already have SCB cc (visa business) & i want to apply for just 1 titanium, will it share the credit line or separate ?

still waiting for my justone... will they approve or will they not?

applied last week... well, my character cards activated the same day i applied for justone...

Bro ... not to confuse you or anything.
Card cancellation would not be accepted through e-mail ... period. You can try this with all the 9 anchor banks and foreign banks in Malaysia and they will tell you the same answer, "No ... we do not accept cancellation via e-mail".
The only means accepted by the bank is via letter (they will verify it later with you) or call in. (Authenticated via PIN or CS ask you questions)

@alexwsk,
Thanks for the clarification on the shared limit

@alexwsk,
Er.. fax + email is not the same!

15 working days is considered as efficient?   

@cute_boboi,
muAhahAHahHAhaHAHahA......... hence I never really play nice with banks

Hahaha ... If you guys wanna make these comparisons then ... my turn
Best record from application to approval and get card ... 4 hours and the worst 2 months. That 4 hours is not even coming from HSBC or even HSBC MC Premier card application.

Hahaha ... If you guys wanna make these comparisons then ... my turn
Best record from application to approval and get card ... 4 hours and the worst 2 months. That 4 hours is not even coming from HSBC or even HSBC MC Premier card application.

@alexwsk,
I still happen to hold accounts at a few banks.  In fact, my last count, I have just too many CCs !! *grins*  Just don't know which one I should cancel and when I finally decide to cancel they decide to waive my AF and tell me to just leave it be!

Last year around September I bought a new car, and one day one of the Public Bank stuff came over my place and asked me to sign some documents regarding the car loan, he also offered me to sign up for credit card. Eventually I also applied for credit card, but until now 9 months have passed, I still haven't received/heard about credit card approval yet.

What can I do? Can I go over to any Public Bank and check for it?

so if u compare hsbc gold and scb justone which is better ?

@alexwsk,
It's good to streamline.  I have CC from quite a couple of banks but as mentioned, my primary card is Amex and Citibank.

Maybe it was at a fair like TreatsFair or something like that, that he managed to get his card in 4 hrs !

hi guys, wanna ask a few questions bout CC....is it against the terms that my friend use my credit card to make any purchases?

thanks first

Factor in the admin fees for overseas spending and the 1% cash back is now negated to just 0%.

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Added on June 25, 2009, 6:51 pm

JustOne product is new and probably you need to wait till next year when the 1st batch of early adopters need to renew their cards. I wouldn't be surprised if SCB refuse to waive the AF. You want good rebates and free card ? Unlikely .... unless the market introduces a similar competitor to this product, I predict SCB to stand their ground on the AF waiver condition.

Whether or not RM15K p.a spending is a lot or not .... well you guys know yourself how much you spend in a month.    (Cash + credit based spendings)

ok thanks. but how do i print epf statement? can i print tru my kwsp iaccount? or have to go to kwsp and use the machine to print out ah??

@he-sham,
Just contact them and make sure they do it next month.  The only thing I don't like about all these automated system is that by default it shows ur late and hence ur interest rate increases

I love to see my Interest Rate level at 13.5%! But really it makes no difference to me because I pay my bill in full each month.