Last time, when i went to Hervey Norman to buy LCD TV which cost around RM4k.
Then staffs wish to charge me 3 % of RM4k,
At the end, i dont want to buy the LCD TV.

I am not sure, whether 3% of credit charge, should charge to customer?
Is it legal?
If we face this situation again, we should phone to bank to complaint or the shop management?

"I am not sure, whether 3% of credit charge, should charge to customer?"
- They shouldn't charge the extra 3% to the customer. In fact they should give the customer 3% discount so as to encourage more customers to use their cc's and therefore gain more business.

"Is it legal?"
- You need to ask a lawyer that since most of us are just laymen when it comes to legal matters.

"If we face this situation again, we should phone to bank to complaint or the shop management?"
- But of course, not only should you phone up the bank to complain, you can also make a report to the consumer's association and if you really hate that retail outlet you can try to cause more problems for them by even making a police report!

But wouldn't it be so much easier if you just pay cash unless you are the very contentious kind of person just all out to cause problems!

This post has been edited by wongpeter: Sep 16 2010, 04:58 PM

To purchase some items that worth RM5k , and enjoy 0% interest for 24 months,
I think it is better pay by credit card instead of cash.

I try to ask customer service in bank and see how they reply me.

This is news to me, I have bought many stuffs from Harvey Norman and never once had to pay any surchage for using CC or AMEX. Actually, last year I bought a RM3K+ notebook for my son using AMEX and got RM100 discount because I did not opt for the 0% interest installement scheme.

This post has been edited by Gen-X: Sep 16 2010, 06:58 PM

LOL somebody mentioned to me that can apply for HSBC cc just by faxing the documents, can other forumers verify?

Yeah, why not.
Especially when applying through those agents on roadshow.

Anyway, I have also applied for OCBC Titanium.. but no news from them yet.

Hmm I called the the OCBC hotline last week to check on my application status for the Mastercard Titanium and it says "Card is under processing". I just tried today, and it still says the same thing.

Anyone knows what does "Card is under processing" mean actually?

I don't know about Harvey Norman cos never patronised their outlets before. In your particular case could there have been an Amex promotion?

Except for large retail concerns like hypermarkets, supermarts etc and established businesses most smaller retailers impose a 2-3% surcharge for purchases with cc. Whilst this may not be entirely legal it has by and large been accepted by most of Malaysian society. Another case in point, how many of you can truly say they have never watched or even bought a pirated vcd or dvd? Has any of you ever tried to get a cab from Subang Parade? Do you know that cabs there don't use the meter? So is it legal? Of course not! In real life a lot of things are done for the sake of expediency not because it is 100% legal.

I am really surprised that a Malaysian can ask this question about the cc surcharge. Can he have led such a sheltered life?

Means the department concerned have received your application and they are looking into it. Give them 5 to 7 working days to process your application.

I suppose things will be a bit slow last week and this week due to the Raya holidays and today is a public holiday so many people taking or clearing off their annual leave last week and this week to enjoy longer weekend.


Not sure about HSBC, you can check their website and if it is stated that you can fax your application then you can.

I know that Alliance Bank do not accept application via fax.


In respect of your above paragraph, not an AMEX promotion but I asked for discount and they offered me RM100 off but on condition I do not pay it under installament scheme.

I have mentioned this before several times, but I will repeat again, you can ask for discount at Harvey Norman. Not all oulets give discount but no harm asking. Besides the notebook, I have also got discount for Washing Machine and Dryer.

This post has been edited by Gen-X: Sep 16 2010, 08:01 PM

Bank surveying the possibility of allow each person to get CC from 2 bank only.

I think most banks are now striving their best to approve as many cards as they can, before Ministry of Finance announces more stringent guidelines pertaining to cc.

haha but it doesnt seem to be the case when i asked ard

LOL HSBC is super fast!
I did their online card application,
and after tirelessly writing all details, ad after many steps,
I was instantly let known of the result.

Here it is :

i only know that their good in cash rebate.
apart from that, their are nothing compared to other banksss.

Hopefully can get this card

How could it be so fast know the result? I think if it is approved, just pre-condition approved nia...

The message mean your card is pending approval. It could be other "unknown" reason which the CS unable to explain.
FYI, my application has been in this status since 8/20 (applied on 8/18).

I guess my application form goes to a person that took a long National Day and Raya vacation .
Em... now I wonder will my application form drop under the table and nobody notice it


I heard from radio, if this rule apply, it will only impose to those annual income less than 30K.

Nah, you just quote the reference id you got there and fax in your payslip and photostat ic to them.
or you can walk in to any hsbc branch to dump the stuff there.

I encountered the same issue before, their system is too unfriendly to specify they need additional documents.

How long did you holding your cc?
Mine maybank already use 1 year plus also didn't increase any limit

Those cashback on first swipes (like SCB Platinum RM188), they are only applicable for new customers, correct? Means if an existing customer applies and gets the card, he will be charged RM50 GST with no cashback on first swipe?