Someone mention before, CC is not PBB main business, as the founder knows the profit from it is low. Also cut throat and a lot of defaulters. Hence, PBB concentrate more on other products. If you notice, PBB did not advertise or go all the way in its CC business, promotion, etc.

Then it is fine. Good.

When customer is given an option of Cash / Credit, there should not be condition to impose additional charges when using CC.

When customer is NOT given an option, i.e. only Cash, there will be no argument to raise in the first place. It is the merchant and/or customer loss when merchant only accepts cash.

Again on my history. My "proper" salary is banked into HSBC for >1 year. Then I applied HSBC CC, but is rejected.

Credit all good. All requirement pass. Perhaps home phone verification or something.

Then >6 months later, HSBC CC called to offer me the same CC with 5 years waiver. No need submit doc, just fax back the signed form only. Approved ! Still same credit, same qualification.

If just discussing on this transaction alone:
10/10 - Swipe RM1000
25/10 - Billing date (statement send to you)
14/11 - Last day to pay minimum/full payment for the RM1000 (please pay a few days earlier to avoid last minute rush)

Quick question, anyone use their Credit Card (Not Debit Card) before to verify PayPal account ? If yes, what are the cards supported ?

+1 I'll use the same reason when I go cancel the cards that I'm not going to use. Will keep only two cards Amex + Visa. Since I rarely go business travel nowadays, I don't need backup for Visa.

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Added on October 30, 2009, 4:29 pmYes, you must have a valid reason for them to replace the card for free.

I suggest don't bother. On your first virgin transaction swipe, there will be many scratches already.


This post has been edited by cute_boboi: Oct 30 2009, 04:29 PM

Last weekend went to 1U. Redeemed Jusco vouchers on the spot. RM100= 16,700 TP

If through MBB/Fax, is RM100 = 21,000TP

Cleared all my points, as planning to cancel some MBB cards this week. .

That's the standard rate to apply on the spot. Since I don't want any other stuff, cash/voucher is the next best thing to spend for groceries shopping.

I got one stack all in RM20 from 1U MBB SC last weekend. I did not ask for other denominations though.

Jusco vouchers from Jusco itself comes in RM1(blue?), RM5(green), RM10 (red?), RM20(purple). Not sure if RM50/100 are available.

Prefer smaller denominations, as sometimes purchase RM25, can use 1x RM20 voucher and top-up cash RM5. No change from cashier for vouchers.

Anyone knows the Fax no. to cancel credit card for these banks ?

1) Maybank 03-7953 8640 ?
2) HSBC - ?
3) Direct Access (CIMB) 03-2381 5533 ?

Thank you.

I thought there is a BNM branch in Penang ? no ?

No, they won't care. They are just doing their job as per their management instruction to give you your CC and then your instruction to cut/cancel it.

I just managed to call in DA during lunch time today for Plat cards (Tel: 03-6204 7979). The CS says if cancel some DA cards, can do over phone. If cancel ALL DA cards, prepare a letter and fax to 03-2095 3690

Yesterday received a pre-approved StanChart Plat CC Visa

Last year I tried apply but is rejected. Now they send me without applying

Same with my previous HSBC experience. Apply = Reject. Later send me pre-approved.

Anyway, it is a bit too late for StanChart. With the RM50 govt. tax looming, I don't think I'm going to active the card, although there is a RM150 cash back for first retail spending.

So far already cancelled 2x MBB and 1x HSBC. Pending DA fax in cancellation.