i was cancelling my HLB cc yesterday by fax in a letter to their hq, and i receive a letter from hlb on the same day offer me free upgrade to platinum cc, wondering other hlb user receive the same offer?

OK, I will do that. But to calculate the rebate manually really troublesome.

yup, some trouble are needed to maximise the rebate

just cancelled 2 of my DA cards. i find them dem efficient.

called at 3.56pm just now. CS picked up in less than 5 mins.
another 5 mins for verification and stuffs and it was done

guess that DA's CS are bored with last minute mass cancellations

i heard got people received credit card from bank even without them applying it
can the bank do so? thought they need to adher to the privacy and cannot use our personal detail for their business or marketing?

This post has been edited by labtec: Dec 24 2009, 04:29 PM

Read the fine prints again my friend. The privacy clause applies for their external parties and what happens is that the info is shared internally within the bank group of companies. Applications form will sometime ask this question but it is actually to ask for your consent for marketing and promotional activities to their business partners. (something like that)

If you cancel this then your junk mail will decrease. E.g. Reader's Digest subscription offer by xxx bank. (Ever received such promo?) So receiving a credit card from the bank that you have your deposits is not wrong in Malaysia.

This post has been edited by hye: Dec 24 2009, 04:42 PM

If you are citibank cc holder, you won't surprise when receiving the pre-approved card.

I am interested in Standard Chartered Platinum Visa.

Can anyone tell me what is the benefit of this card?
And whether they allow us to waive annual fee of RM250?

I have a gold card now but plan to upgrade to Platinum.
May I know what is the credit limit usually assigned to such a platinum card?
I have the minimum requirement requested by this card.

Hehehe its been a long thread and im not a person that willing to search and find thru 20 over pages

So its confirmed....alteast i have more time to cancel my card

They didn't ask you to surrender the cards?

This is the website:
http://www.standardchartered.com.my/person...-mastercard/en/

Anyone using this card now?
The requirement to apply is only 60k/year.

Actually, this is as much as they can do as the govt has tacitly indicated that foreign banks are not allowed to overshadowed the local banks ie. same with all their bias policy. This is also the reason why no foreign bank has issued any free for life cards.

Some statement for Direct Access credit card on service tax. Service tax only charge on card anniversary and it is charged per card (Master + Visa = RM100).

Can't attach PDF file now. Please refer http://www.directaccess.com.my/index.php?r...gst&tpt=cimb_da

ello....im a 1st time credit card user...will be receiving my 1st credit card in 2 weeks time if do not encounter any problems...i want to ask do all credit cards have the cash advance service?like going to an ATM machine n withdraw cash even though there is no cash in the account....plzz help all experts...thanx u very much....

yes, but interest damm high, don't use it...

The same goes to MBB when I clarified with the CS. RM 50 per each card.

alright...thanx u 4 the warning! really appreciate it....

e.g. HSBC

http://www.hsbc.com.my/1/2/personal-bankin...rd-fees-charges

18% pa, calculated on daily basis.

if the amount is not big... borrow from friend first..
the Cash advance is really really not worth it..

IMO, loan is better alternatives, depending on interest charged.

CIMB/DA now gets you 10% discount at starbucks (till 31/12/10) and additional 10% rebate on Saturdays and Sundays (till March 2010).