The problem is that you received the card 3 months ago. When the bank officer called you to verify, you did not reject the card on the spot. The bank might think you had accepted the card so that they activated the card for you.

I guess you would forever keep queit and keep the card if you did not see the RM50 service tax in your statement. Treat this as a lesson. Your ignorance gave you trouble. What you need to do is to inform the bank to cancel the card immediately. You still have a chance not to pay the service tax which has been charged.

What if he complain to BNM, will they entertain it? Just curious.

I see 

i heard direct access cc reqs degree cert and salary 2.5k + per month only qualify to get one ? m i right, what if for those dont have degree and salary below 2.5k ? please enlighten me thanks.

Guys, I did a grocery shopping at Billion a few days ago, after that I checked on OCBC Online and found that transaction's description was "Billion Shopping Centre", which is not in the 5% rebate category.

Billion is just like Jusco. It is a supermarket or departmental store. To be safe, you would better to shop at bigger hypermarket chain like Giant and Tesco in order to get the 5% rebate guarantee.

Billion is just like Jusco. It is a supermarket or departmental store. To be safe, you would better to shop at bigger hypermarket chain like Giant and Tesco in order to get the 5% rebate guarantee.

I re-read his post. Another possibility is that he might refer to AmEx.

My hometown doesn't have any hypermarkets. The biggest supermarket here is Econsave
But Econsave requires at least RM80 only can swipe.

Yeah ... 
What ? RM80 ? That's a new high ! The highest i've come across is just RM50.

But swiping at Jusco entitled to the 5% rebate?

Never swipe at Jusco.
But many forumers mention jusco only entitled for 1%

Jusco is definitely only entitled for 1% rebate (even in supermarkets) after verified by some forumers at different outlets. I tested with small amount at Jusco and the statement categorized it under 1% rebate.

But some have tried for speedmart 99 which also entitled for 5%

Anybody tried OCBC Titanium at Cold Storage ? Is it entitled to 5% or 1% rebate ?

I was in Pavilion KL today to do some shopping and I saw at least ten people paying for their purchases with either CIMB Visa Infinite or World Mastercard. Somehow, it's like a common sight that doesn't make both cards look exclusive anymore! Soon black will be the new platinum just like how platinum is the new gold! Mind you that also means having a minimum CL of 100k is so common these days!