Transfer is not immediate. If you do it before 12pm then transfer is within the same business day.
After 12pm (even though 1 second) then next business day.

They are not supposed to nor are you supposed to tolerate such nonsense. If got proof, do report the incident to the bank.
The problem with Malaysian consumer is that they tolerate it because they want to use credit card.

If you check Mastercard's website ... the highest card is World Mastercard.
No mention about World Elite Mastercard.

Not just MBF, all banks have the same rule to my best knowledge.
I mean principle is liable for supp.

This post has been edited by hye: Aug 23 2010, 02:06 PM

@siutimtim ... here's an explanation for you.

(VISA) Classic/Standard -> Gold -> Platinum -> Signature -> Infinite
(Mastercard) Classic/Standard -> Gold -> Platinum -> Titanium -> World

This post has been edited by hye: Aug 24 2010, 07:59 PM

Yup ... Titanium sits between Gold and Platinum.

Conditionally approved likely means additional documents or clarifications will be required.

I once lowered my CL to just RM5K on my Platinum card. CS told me (if I remember it correctly) the lowest possible is RM3K. (or was it RM1K?)
A couple of months later (just prior to card anniversary),the bank raise the CL to RM8K. It's rather funny coz the initial CL was RM30K.

This post has been edited by hye: Aug 29 2010, 03:14 AM

The RM2 service fee is correct. Yeah ... RM2 is still better than paying for petrol but believe me many rather drive!

I SMSed right @ 9am, received acknowledgement like 30-45mins later. And no shuffle. (And it says that the shuffle is guaranteed!)
SCB gotta revamp the way they do this contest.

<Updates>

I got my letter from SCB today to collect my iPod but to date I never received my SMS.

CS won't tell (either if they knew or they don't know) and the best answer would be "It is the Management decision".

My take is ... fraud can happen even if you have taken all precaution. Just do your best to prevent it.
One way is to monitor the way the agent/staff handles your IC. Never let it out of your sight. Ensure it is crossed specifically to avoid duplication scams. If the staff/agents mishandles it, be brave to cancel and take away your application if necessary. If you suspect a scam, just walk off or better report it to whomever you see fit. (Bank, BNM, police, etc.)

And before you leave ... ensure your IC is back to you and any extra copies of your IC is destroyed.
No need to be too paranoid about it .... if you do then you can't sleep.

Use the manual form la. Do understand that 99.9% of the applications will be normal cases. Yours are just 0.1% of the special circumstances. Be understanding and don't think the bank need to kowtow to you. (Sorry but ... I'm just saying this frankly)

On another thought .... it probably won't be a good idea for you to always use your Malaysian cc in SG due to transaction fees. I know it requires an annual income of SGD72K (if I'm not mistaken) to qualify for SG cc but why don't you use SG debit card ?

Your application is not the only application from Malaysia that they receive. The card centre handles application from throughout Malaysia.
Also understand that last week was a long holiday and many people went off for leave.

If you want it faster ... can. Apply for the credit card as a Priority Banking customer and tell them you will withdraw your "millions" if you don't get your card in 3 days. If that doesn't their attention then I don't think anything will. Or go over to Citibank and they have a 2 hour application facility but you need to drive yourself to Jalan Ampang to do this. If you expect them to serve you then it's back to the normal speed.

Goodness ... these days people are so impatient and demanding. I used to wait like an average 2-4 weeks for my credit card to arrive and even on few occasions waited up to 2-3 months. (Because the particular credit card is so popular at that point of time) And I had to wait between 6-12 months after started working before able to apply to cc. Now, many thinks it is their right to get a credit card just after 1 month of working.

I have been following this thread for a long time .... I find many use this thread on how to facilitate their application or how to get more CL. Sometimes it borders between a question and demands.

No. But the number of transactions that will be accepted is rather limited.
Of course the M2U system would favor its own cc product more.

I don't think so. Doing so means merchant is giving away money which is literally impossible for Petrol companies and others well .... why should they?
OCBC offers the cash back based on its own internal promotion.

Please read through the thread and don't be lazy to take a short cut to your answer for whatever reasons. Some more highlight your question. Your question has been answered every other single day! In another thread, they don't allow repeated question being asked. Such questions will be deleted.

This post has been edited by hye: Sep 19 2010, 11:14 AM

Try to understand it this way. If you were to combine all your CL for all your cards ... what is the total CL ? That total CL is your risk exposure.
What is your income vs. your risk exposure ? They will be in multiples right ? The higher your multiples, the higher your risk rating.
You being a good paymaster is just a factor but it wouldn't help you in this case.

You should have avoided applying for all cards @ the MATTA fair just because you will get money/gifts.
What everyone says is right ... OCBC is right now the hottest card. They will choose their customer and why not ?

Oh please ... don't blame others. You are at fault too for not reading the T&C carefully. Would you sign for a home loan without reading the T&C?
Did you ask additional questions to the agent ? Why did you apply the card in the 1st place ... ? It is because the agent sweet talk you or are you sure you fell for the higher than your current CL offer ? (This is called greed BTW)

I'm sure you read the thread before looking for a cc ... and you would have known that never to trust the cc agents. (Unless you never read the thread)

This post has been edited by hye: Sep 20 2010, 10:25 PM