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?

* Gen-X
My usages is averages in 2k monthly, but sometimes if there's impulsive purchase then its different, I'm also qualify for the HLB Plat, but since credit-limit increase also failed I doubt my Platinum app will go thru, to be honest, no point to write an email, I just got enough of their services.

* 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 :-)

* b00n
I've provided release-letter from the said bank (not CTOS printout) before, and I felt insulting by keeping appeal to get something that I deserved in the first place, I requested them to check the CTOS as I'm very sure even there's a record, its from my case and it has been settled and I've got the release letter, still my application failed

*Optiplex330
Appreciate your advise, I might just write-in to their customer service, if I can get back some compensation I'll treat u a nice dinner, please send the print-out to my email as per my PM to you this morning

I'm only having 1 credit-card (HLB), and 1 charge-card, I'm thinking of having 1 card to replace my HLB, and then an extra for backup purpose :-), guess I'll be busy tomorrow to decide which card I want as I'm on leave.

Hi, I've requested a replacement of my HLB Visa card few months ago, but they want to charge RM50 so I just ignore, the card has some cracks but still usable..

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

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.