Ya, thats true, you can't have a both CIMB CC and DA CC in the same time, I don't know why CIMB make the rules like that.
But you can having a CIMB petronas and also CIMB Islamic at the same time and separate credit limit.

What's the point of cancelling CIMB cc? And what makes you feel DA is better than CIMB? Both CIMB and DA are under the same group and the benefits offered are almost similiar. Like wise, CIMB brand, for me personally, is stronger than DA now (as people normally won't associate DA with bank).

The differences between DA and CIMB credit cards is that DA is only open to Degree holders and Professionals. Where is, CIMB cards is open to any individuals. No doubt people won't associate DA with a bank, but by holding a DA cards, you are instantly recognised on your academic qualifications. A Professional and a Degree holder can hold both DA and CIMB, but a normal individual without strong academic qualification can only apply the CIMB cards and not DA cards. I'm holding both DA WORLD, CIMB Enrich WORLD MasterCard and DA Visa Infinite. I feel DA Cards are more stronger in indentifying you as a professional person.

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 retails for 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 likelt 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 electronic) In the good old days where the transaction amount was written/captured manually, 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.

i wanted to cancel my direct access card bcos i dun use it anymore; then they ask me either fax them a letter or go to the nearest cimb branch...

i wanted to fax them the letter, the number they gave me is 03 2381 7198, but the fax is engaged everytime; haiz....guess i nit to go to their branch, troublesome

What bank is that ?

Do you have the email adress of MC?

why not call them? i just called and get my card cancel

HLB would require a letter from you for card cancellation.

Finally I see the first waiver case. Congratulations!

Dear Sir/Madam,

Thank you for your e-mail.

We regret to note that you intend to cancel your credit card. Please. We would appreciate if you could fill up the attached Cancellation Form. Once completed, you may fax the signed form and destroy card copy to 03-7946 8887. It will be escalated to the respective unit for their reference and necessary action. Alternatively, you may email us the scanned signed form and scanned destroy card copy for our further action.

Trust the above clarifies. Please do not hesitate to contact us again should you have any other query.

Thank you.

Best regards
Noreen
Hong Leong Online