Because alliance bank cash back is given after next statement,when i issue my chq,i didn't check the statement the statement is at home,i called up automated phone banking to check my outstanding balance. Didn't know the announced amout is less than statement balance due to already included the cash back rebate.

In accordance with your above explication, the interest charged for EDDIEVH's case should be based on RM1987, and not RM2000. I have calculated the compound interest @17.5% per annum using spreadsheet, based on an outstanding amount of RM1987 from 11/12/09 (transaction posting date) to 7/01/10 (payment posting date). The compound interest should be RM26.85. This figure has not taken into consideration the interest of the balance RM13 yet to be paid.

Anyway, I guess he can request for waiver of the RM22 interest as he only owes the bank a mere RM13.

hey does any one have experience where you applied for Amex plat cc instead they approve you with Amex gold cc without your consent?? I don't want to be forced to pay rm50 svc charge even if I cancel it

Service tax is charged immediately after new card got issued, so you still have to pay for it no matter you use/activate/cancel it or not.
Nothing to do with "they dare to charge service tax" or not.

Please file a complain to Citibank and BNM, don't let this happen again and again. Banks SHOULDN'T do business in this way.
Imagine they get you RM1,000,000 loan (or may be another credit card) without your knowledge?

Since it is a pre-approved card, I guess you won't get charged with the service tax if you do not activate the card.

hi everyone, just to ask sth abt citibank shell cc and amex charge card

my hubby is currently using amex  charge card for petrol consumption due to the 5x points program

however, we are now considering abt the citibank shell cc rebate of 5% on shell petrol.

can anyone suggest on which will help to save more?

An unpleasant news to those having SCB JustOne Account.

I used to earn choice points for SCB JustOne cc and balance from current account. However, I had temporarily stopped using SCB JustOne cc since my card hit the maximum cash rebate in Aug'09. Because of this, SCB has stopped giving me choice points since Sept'09, even though I maintain quite a huge balance in my current account. This is contrary to its T&Cs indicating that balance from the current account under SCB JustOne Account will earn choice points.

I enquired SCB CS but I was told it is solely the bank's solicy and the bank has the right to amend its T&Cs without getting consent from customers.

If the service tax has been charged and debited to the credit card account, can we request the card to be canceled and request the tax to be waived?

Another counter offer for the government tax from Citibank today for my Shell Citibank Visa and Giant Citibank Visa.

1) Pump up to RM600 (from march to May) at Shell on my Shell card and get bonus cash rebate of RM64.(on top of the usual 2.5% rebate)

2) Spend RM600 in 3 months (March to May) and get bonus cash rebate of RM60 (on top of the usual 2% rebate)

I guess we don't have to rush for the cc cancellation after all.

Yes. They called just now.  I have 5 cards with CTB and I canceled 2 of them 2 weeks ago.

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Added on March 22, 2010, 5:34 pm

Sure is. already met the requirement within 1 week.

That shows how good citibank is...

Maybe due to communication error ? I canceled cc from OUB, CTB, OCBC and EON, only EON bank can accept over the phone verbal cancellation and the customer service officer simply key into the system and confirm the cancellation on the spot. The three other bank requires fax-in cancellation letter. You must call the banks again to reassure they received your letter after faxing. Both OUB and CTB failed to receive my fax transmission twice.   

5% cash rebate is too little..haha..

Citibank does offer a range of good cards and their promo are quite good,but i applied their card twice and still getting rejected..i wonder why..

That truly shows how EFFICIENT this bank is. If I were you, I would always call up the bank to check the cancellation status until the card has been officially terminated.

Which AMEX do you recommend? can provide me link? as I know, AMEX AF quite high..

i cant find hsbc exchange rate from their web.

Mind to share?

I seriously cannot stand RHB already. They're still sending me statements charging me "late payments" of something I never asked for at all!! OH MY GAWD!! CAN I SUE THEM NOW???

for those of you who remembered my case, I paid EXTRA when I cancelled my card last year. FOUR INNOCENT MONTHS later they charged me annual fees...that's why until now they keep charging late charges even though I called up to clear the annual fees. Every month the bill comes late and since February I have been calling up every month to get an explanation on why they keep charging me late charges. Its seriously ridiculous that after SIX LONG MONTHS I'm still trying to get rid of a bloody card.

Why don't I see Citibank giving me ANY trouble at all since I cancelled it around the same time as RHB card?? Bloody useless local banks

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Added on April 21, 2010, 9:50 am
I'm planning to make a complaint somehow....maybe even a police report before going to tribunal court if this continues on.