It is the agent's fault obviously - maybe too eager to fulfill application quota. Always remember that in most cases (and especially if you are a new card applicant without reference credit card), you have to submit all documents that the bank wants to get approval. Short cuts would not guarantee approval.

And cc agent are not necessarily the bank's staff as most banks outsource their credit card marketing. Never be too gullible with a cc agent.

Not to jump to conclusions ... the email that you were asked to send your application to ... what was the address after the @ sign ? Would it be the official bank's domain or some web mail address ?

Bro ... banks will say anything to prevent further loss of cc customers. Both share a common interest but like you said, better wait and see for the confirmed news rather than listen to heresay. What is confirmed is that government expect to generate RM500 million from this tax and they want to use their money next year.

Don't believe whatever the banks say at this juncture. Cancel card and see how the service tax will be implemented. Later can reapply card and I'm sure banks will be crazy for your business after losing so many customers.

I don't understand why everyone trust what the banks say at this moment but no public announcement is made. All public announcement points to service tax will be charged. Budget motion with the income from cc service tax also has been approved - so why everyone like 'tak percaya'?

This post has been edited by hye: Dec 16 2009, 12:41 PM

Yeah ... I don't blame CS coz often they are asked to answer based on what they are told. Myself whatever that is being told ... service tax will be charged on the 1st Jan or card anniversary, I don't care but cancel now. And I know can reapply later.

Well if you are unhappy about a certain bank cc product ... now's the chance ! Just cancel the card ... later when you reapply, they will welcome you back with open arms.

If it is not your fault, you'll eventually get back your money. It will take some time for the investigation to complete ... around 1-3 months. It is really not big amount of money to you then I'm sure you can wait. Don't bother calling CS as this is done by another department of the bank.

Yay! Congrats ! Finally the first documented proof from a bank which states when they want to charge the service tax.

You can't get their number directly. Best is you ask CS to ask that dept to call you back. Like I said, they'll take time to investigate.
Yeah ... make a police report and forward it to the bank. It'll help in the investigations.

Actually you can't explain this to the bank (in fact all banks) as you are contravening the T&C of using the card in the first place. Best you just report the card as loss. I know UOB charges RM50 ... I think that's the maximum benchmark. BTW ... you need to wait a couple of days to 1 week before you get a replacement card.

I'm neutral on this statement coz I have heard SCB saying this for many months already but nothing happens. Still those who still holds the card will appreciate the card coz you can't apply for it anymore! I remember a few weeks after I got this card, the bank stop accepting applications for it.

Not just that ... not everybody read this forum. The general public would be happy with the piece of plastic that they own therefore not likely to hop around credit card like the folks here. I can't blame MBB's CEO for saying what he did, I mean even EON Bank published something similar. If you are the employee of that bank, you can't be giving out bad impression of your bank right ?

If it is not published in B&W, you have absolutely all rights not to believe anything that is mentioned by anyone representing the bank. For me, I'll trim all cards to just what I definately need. I won't bother with cards that "I think I need" ... it is more cards that "I definately need".

I'm sure for JustOne holders in this thread, they will hang on this card.

Agrred with Gen-X. It is not about whether you pay double or not but the fact remains that you failed to demonstrate good disipline in paying your monthly dues. It is easy to just rant about the bank but what if that person is your friend and you are the one giving him loans ? You dare to give your friend more access to debt ? shoduken ... IMHO I think you are @ fault when the bank refuses to give you CL upgrade. CL upgrade is a priviledge not a facility that you can just ask when you think you deserve it.

This post has been edited by hye: Dec 18 2009, 08:59 PM