jz done...thx...
i din even start off much the CS already say will waive for me

but i did sent a threatening "tone" message in Citibank website dy....
resend another to revert the angry message in the previous one hope it is fine....

btw...using Airasia citibank for a year dy...very unsure if really can get benefit from it....
any recommend if a good one can have...

i intend to have 1 local bank and 1 foreign bank....
right now i hav maybank and hsbc+citibank...undeciding between keeping hsbc or citi now

My wife applied for CC at Treatsfair back in July.

Til now, she has yet to receive her card.

Is this normal?

I bugged her to call the helpline, everytime they say the card is in process, I got fed up already, but my wife still waiting patiently. If it was me, I'd cancel already.....

for cc application normally it take only 2week to process...
after 2week u can start enquire bout the cc from the place u apply...

It is normal for MBB, one of the LARGEST banks in Malaysia.

Im using Citi Shell gold card which gives 0.75%. SCB Bussiness Plat also gives 0.5% instant rebate.

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Added on October 22, 2009, 9:02 pmNormal...

I last applied American Express Gold Charge Card. I thought I applied it in August, but havent received any status. So I called and they told me it was unsuccessful. It does not really matter. Then I just found back the form I faxed them. When I checked the date, it was in April. So there you go.

This post has been edited by andrekua: Oct 22 2009, 09:02 PM

anyone applied PBB MU cc lately?
what's the free gift?
thx

It's two weeks now since I submitted my conversion form to Ikhwan Amex. Will start bugging them next week for prompt action.

This post has been edited by spikey2506: Oct 22 2009, 10:15 PM

Anyone here know about Redbox 10% off total bill for PB credit card?

@Faidzal,
By now the application should have been processed and the physical CC sent or delivered to U. I suggest you get her to contact the bank; maybe the application form was lost and wasn't put in or something happened along the way.

Yes. They are giving out some limited MU merchandise now. They are also having some sort of contest now and among the prizes are signed pennants and signed MU jersey.

This card will also earn RedPoint instead of cash rebate. You need to refer to this PDF file for RedPoint redemption > PBB Gift Redemption Catalogue

Oh, and the card design is a lot nicer than the previous version


You can get the information here > PBB Redbox Promotion

This post has been edited by MilesAndMore: Oct 23 2009, 01:40 AM

actually what i meant is anyone has any idea what's the limited edition merchandise? is it key chain or shirt or bag?
i oledi have the card, just want to know whether shud get my wife to apply for a new one

oh, tht shit le...

what u can do is ask ur wife call customer service, and find out where is the card located.

by defaults, they will send to your house and by automatic dun know why, the post malaysia will just send back to MBB saying no 1 come collect, and now ur wife card shd be sit at HQ.

1 question, i bought something & using 0 interest monthly instalment for 12 months, now already 14 months passed but bank statement still dun bill me. I called bank to ask, they said no outstanding. try to dishonest this time, thinking to cancel d CC since they dun charge me, is it possible? any advice.

OK .... perhaps it is a good time for some cc education.

What happens when you swipe your card at the terminal (whether it is for regular retail transactions or EZ payments) is that

1. Merchant take your card and insert/swipe your card.
2. Bank authenticate that your card is good and machine print out the slip.
3. User sign on merchant copy and merchant returns to you the customer copy

Not yet finish ... coz before the merchant can claim their monies ...

4. Merchant need to run batch processing and send the transactions info to the bank + the signed slip.
5. Bank receive the info from merchant and then only prepare to send cash to merchant and post the transaction to user's cc records.
6. Banks transfer the cash to merchants account after a certain period minus the fees.

What happened is that likely there was a hiccup @ process 4 so that's why the bank never posted the transaction to you in your statement. (It could have been the bank's fault but the probability is low coz it's mainly electronicly captured) Hiccup meaning that likely the merchant sort of misplaced/lost your particular transaction thus unable to claim from the bank. In the good old days where the transaction amount was written/captured manually (and highly prone to errors), every now and then you are likely to encounter wrong amount being posted to your cc statement. A quick call to the bank along with your proof of the actual amount will correct this error quickly.

You can cancel your card but the bank can still send you a letter and claim from you. so, whether you cancel your card or not ... it wouldn't impact much - pray that the merchant loses all record and you're home free.

This post has been edited by hye: Oct 23 2009, 11:12 AM

Speaking of which, my friend did encountered the same issue, where he bought a new PDA and the transaction did not show up in his monthly credit card statement, and one fine day the bank called up and asked whether he did use his credit card to purchase the PDA, which he could say no, but he said yes, and well, I think even if he denied any knowledge of his card being used, surely the merchant will have proof at their side, unless the merchant loses all his record..

This post has been edited by Zack Styler: Oct 23 2009, 10:32 AM

did anyone here receive hard copy statement of MBB Amex although you requested to receive soft copy during the application?

not sure they will charge me on this...

@wvt,
I've been getting the Amex Gold CC statement each month ever since I put in my application for the card. The RM5 charge is not reflected in their bill. I notice; the only difference between the Gold & Platinum bill is the envelope colour

Hi guys, this is my 1st message here. Looking for applying a credit card here. Looks like the Cimb Direct Access Credit Card is good. No annual fee at all. Don't you guys think so?

You'll probably find the answer if you backtrack and read all the posts.
CC is about what you think is best for your lifestyle - different ppl have different expectations of what they want their cc to offer them. IMHO, just on the basis of no annual fee does not mean the card is good.

And what is your definition of "good" ? Good CS, good merchant discounts, good cash rebates, free for life ? There's no 1 card that can offer you all - careful on your question or you are going to get flamed for asking such a generic question and it definately shows that one did not read all the posts.

@ahgan84,
Amex Gold CC is also FFL