anyone encountered any illegal usage of credit/disputes amt, what is the process or go about it? do u need to pay for the dispute amt or the bank will temporary hold the dispute amt until further investigations

wait for them to charge then only cancel or what?

what if they have charge then only cancel, will the credit card holder bear the Rm50 charges or not?

better start cutting down CC and dont wait until the last min.

alot of delaying here and there no directions whereby every bank is waiting each one to move.

if cut the last min, there will always have alot of discrepancy or bottleneck here and there eg customer service always engage, cutting of card have to fax over a letter, fax not working, go to to the bank and submit termination of card letter, if sent by post lose and not receive by the bank etc

better cut straight always if the cc is not much of use.

malaysia boleh is always look see look see and waiting someone to step up and the rest will amend here and there or just follow.

even nowadays classic visa/mastercard limit given RM45k.

so no point getting goldcard/platinum card to avoid yearly annual fees that could not be waive unless show off

hong leong bank Credit card termination need to be done at the any bank branch and dont practice on the phone. what a lousy service they have