Are you using HSBC CC?
I cancelled my HSBC recently because twice they replace my card (first time because I lost my card, second time because my card expired). Both times, I waited weeks and weeks for it. Call them numerous times, and they asked me to be patient because they're sending by normal mail. The last time I called, I asked them "What kind of 'normal mail' that need to wait for more than 4 weeks?!" Did some search online and found that I'm not the only one having this problem with them.

Anyway, back to the topic, I'm looking for a new CC to apply now and wonder what are the good options. I don't need much credit limit but I'm concern about the CC provider's security (less fraud, duplicate cases etc..), overseas recognition & most importantly a 24 hours accesible call center (RHB sux at this).

Is Citibank Airasia good?

maybe they want to terminate non profitable customers like me gua so they don't want to send the new card to me HSBC call center used to be great but not anymore since they changed their call center. The overseas recognition i want is the card won't have problem getting swipe in overseas. I used to have problem swiping my RHB at overseas.

I'm not aware of the admin fees for overseas though. Applicable to all swipes in overseas? How about hotel reservation through overseas websites?

Yeah, which is why I still can't decide whether to take Citibank Airasia or not. Still worth the try?

UOB is not bad. My hubby is using that and he's happy with it. His only little tiny complain is he don't like the messy monthly statement.

This post has been edited by fraulein: May 13 2010, 10:58 AM

Hi, is it recommended to go for the Card Protection Plan RM98 per year for our credit card? For my previous cards, I never apply for it. If we did not buy the plan, are we going to bear every losses when our card was cloned etc?

I'm filling up new application form now, but couldn't decide whether to tick the Card Protection Plan section or not.

Thanks all for the reply on CPP. In that case I've decided not to apply for it since fraud case can be argued and I'm keeping one credit card only, so there shouldn't be any difficulty to inform one bank in case of missing card. Other benefits seemed to be close with our usual travel insurance.