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 Credit Card v12, Credit card GST remains....

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alexwsk
post Oct 20 2010, 06:10 PM

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QUOTE(WhiteWing @ Oct 20 2010, 06:05 PM)
Received a sms from AmBank saying my credit application was unsuccessfull .. tongue.gif , I was so happy that they fail me ... wahahah ... Atleast I got the free gift on the spot ..
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sweat.gif
alexwsk
post Oct 20 2010, 07:58 PM

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QUOTE(romariotan82 @ Oct 20 2010, 06:16 PM)
How can we check whether we entitle to cashback ?
Or can we call to CS to ask ?
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you can't chk but you can always call and ask


Added on October 20, 2010, 7:59 pm
QUOTE(chemistry @ Oct 20 2010, 07:46 PM)
If Ambank surprisingly approved your cc application, then you receive a statement containing RM50 GST, you come to here and blahblahblah curse the hell out of Ambank.
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laugh.gif

This post has been edited by alexwsk: Oct 20 2010, 07:59 PM
alexwsk
post Oct 21 2010, 08:52 AM

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QUOTE(ronnie @ Oct 20 2010, 11:47 PM)
Anybody used Hong Leong Bank for IBG ?
Basic Savings / Current account: RM0.50 per transfer
http://www.hlb.com.my/eb/personal/hlop_ft_...sp?flag=hlop_ft
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i used it

and I also always transfer from my pbb normal savings to pbb basic savings b4 performing IBG biggrin.gif


Added on October 21, 2010, 8:53 am
QUOTE(WhiteWing @ Oct 20 2010, 09:33 PM)
Haha .. I don't think they will approve my application .. bloody salesgirl .. go put ambank islamic platinum credit card wo ...  laugh.gif ~ I am high risk profile player tongue.gif , not that easy tongue.gif .. I don't have CCRIS tongue.gif
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how come u don't hv CCRIS? u oledi hv a few cc ma


Added on October 21, 2010, 8:55 am
QUOTE(chemistry @ Oct 21 2010, 12:54 AM)
But I was charged sweat.gif  I am sure mine is a BSA. What's going on?
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did your online banking show "HL Basic Savings Account"?


Added on October 21, 2010, 8:57 am
QUOTE(Gen-X @ Oct 20 2010, 09:38 PM)
alexwsk: Airport Lounge for RHB Plat - 4X a year at KLIA, LCCT and Senai. 4X access share with supp card (i.e. Supp card also can enter free).
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added, thx for the info

This post has been edited by alexwsk: Oct 21 2010, 08:57 AM
alexwsk
post Oct 21 2010, 12:10 PM

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QUOTE(chemistry @ Oct 21 2010, 10:50 AM)
No it doesnt show what you said. it's a Savings Account-i.

I felt something must have gone wrong. The bank has not completed the account conversion process but told me that it's already done. i have filed an official complaint via email to HLOnline.

I requested a refund of RM8 atm card fee as well, as MilesAndMore said HLB's BSA does not have atm card fee.
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yup, savings account-i is normal account
miles is right, my HLB's BSA does not hv ATM card fee


Added on October 21, 2010, 12:12 pm
QUOTE(hye @ Oct 21 2010, 11:13 AM)
Oh yes .... sorry miss this part.
You can only execute the BT once you receive your statement. All cc providers (not only OCBC) would require the cc statement that you want to BT from.
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not all, just did PBB BT last month, no statement required


Added on October 21, 2010, 12:15 pm
QUOTE(chemistry @ Oct 21 2010, 11:27 AM)
How could the Officer say the account has been successfully converted? She said she checked through HL database wor...I asked for a clear explanation from the bank, and not forget to tease HLB's incompetence.
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did u ask for a photocopy of the conversion form which u filled in?
if u hv, screw them kaw kaw biggrin.gif

This post has been edited by alexwsk: Oct 21 2010, 12:15 PM
alexwsk
post Oct 21 2010, 01:54 PM

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QUOTE(chemistry @ Oct 21 2010, 12:49 PM)
No I don't have the photocopy. The teller took the ori form.

However, I asked for confirmation from HLB Online, and an officer replied that the conversion was done and effected. I made a screenshot of that message.

Later then if I drop by HLB I'll try to get a photocopy of that form. I wonder the bank would entertain my request.
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if the conversion was done and effected, how come still got charge rclxub.gif
if u walk in to the branch, just ask them to reverse the charge straight away
alexwsk
post Oct 21 2010, 04:04 PM

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QUOTE(chemistry @ Oct 21 2010, 03:58 PM)
Last night I just email HLB and asked for reverse charge for atm fee. Just now when I stepped in to the bank, the branch manager recognized me & passed me a credit advice RM8.

I wonder if anybody kena screw kaw kaw for the error. Could it be purely server error? HLB sees my account as BSA-i, but my Online Banking shows SA-i. This is weird. Anyway, now they are aware of such error, I hope this doesn't happen to anyone else.
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glad it has been sorted out, in my opinion most likely system error, branch system and HQ system not sync

and wow, the branch manager even recognized u biggrin.gif
alexwsk
post Oct 21 2010, 04:48 PM

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QUOTE(chemistry @ Oct 21 2010, 04:28 PM)
lol. I am not a VIP though. It's just that my parents are their customers since MUI Bank era. I always deposit cash/cheque on behalf of my parents, all the tellers know who I am actually.

Somehow, banks without CDM know their customers better.
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agreed
nowadays all machine or online sweat.gif
alexwsk
post Oct 22 2010, 04:09 PM

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QUOTE(MilesAndMore @ Oct 22 2010, 04:03 PM)
Wrong choice of word  sweat.gif
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yea, maybe you shud just say platinum card will have the "platinum" word on it tongue.gif
alexwsk
post Oct 23 2010, 11:38 AM

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QUOTE(chemistry @ Oct 23 2010, 01:39 AM)
KFC Bahau, KFC (Jalan Tun Dr Ismail) Seremban, KFC Jalan Pudu, KFC Kota Damansara, KFC SS2.
This is the list of KFC outlets I ever patronized with successful swipe.
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Bahau?
Chi wen student?
alexwsk
post Oct 23 2010, 04:14 PM

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QUOTE(chemistry @ Oct 23 2010, 11:46 AM)
Yup, I am.
Wat's up yo? lol.
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hehe, glad to find bahau ppl here
same school somemore biggrin.gif
but i remembered some yrs ago, not many places can swipe card there


Added on October 23, 2010, 4:15 pm
QUOTE(WhiteWing @ Oct 23 2010, 04:09 PM)
Today I received my PBB statement,I have to pay RM 135++ for my swipe recently,when I open it .. I notice Monthly Reward Cash Back was there .... PBB credit RM 130 into my account and I only need to pay RM5+++ now rclxm9.gif
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cash back month 2?
did you get any for month 1?

This post has been edited by alexwsk: Oct 23 2010, 06:15 PM
alexwsk
post Oct 23 2010, 05:02 PM

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QUOTE(WhiteWing @ Oct 23 2010, 04:34 PM)
Yes , over there written Monthly Reward Cash Back Month 2 biggrin.gif ~
I get none for month 1 ....  sweat.gif
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did u hv any qualifying transactions for month 1 - july 2010?
i oso get none for month 1 and RM130 for month 2
alexwsk
post Oct 23 2010, 05:46 PM

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QUOTE(WhiteWing @ Oct 23 2010, 05:10 PM)
I not aware .. I only know I spent RM 1,8k+++ within that period.
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most likely eligible then, i was sure i were eligible for RM150, unless the quota finished
alexwsk
post Oct 23 2010, 11:10 PM

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QUOTE(rickkywong @ Oct 23 2010, 09:35 PM)
THANK YOU FOR THE LINK BUT FEEL DISAPPOINTED EVEN THOUGH I SENT IN THE SMS AT 9:01AM (STILL NOT FAST ENOUGH) AND NEVER MANAGE TO WIN ANYTHING WITH SPENDING OVER 20K FOR SEPTEMBER MONTH.... sad.gif
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since it's SMS, even if you send in sharp at 9:00am, you might not win as well
lots of forumer encountered the same with SCB promo b4 this oso
alexwsk
post Oct 24 2010, 12:30 AM

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QUOTE(rickkywong @ Oct 23 2010, 11:24 PM)
But, i thought that they said....(Spend & Redeem. Be the quickest to send in your sms on the redemption dates)
So, time send in sms is very important....If not, then they shouldn't write like that. I feel like cheated.  vmad.gif

To be fair, i suggest that they listed the time of the winners sent in their sms... hmm.gif
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well, i thk in the tnc, they sure hv a rules said winners selection is their decision and it's final and unquestionable biggrin.gif
but luckily for the SCB promo, they hv guaranteed prize, so at least get something
alexwsk
post Oct 27 2010, 11:10 AM

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QUOTE(winner @ Oct 27 2010, 11:08 AM)
If you don't mind, you may scan and post your letter here. I inquired about this 5% cash back promotion with SCB CS. The officer replied, NO SUCH THING!
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if applicable to all SCB card holders, then can stack with my JustOne drool.gif
alexwsk
post Oct 27 2010, 09:51 PM

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QUOTE(WhiteWing @ Oct 27 2010, 09:43 PM)
W00t ... Standard Chartered bank staff call me and ask me 1 question only " sir,do you apply SCB cc ? I said yes then she end my call sweat.gif " ... is she scam ?
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did u apply in the first place biggrin.gif
alexwsk
post Oct 28 2010, 02:41 PM

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QUOTE(WhiteWing @ Oct 27 2010, 09:56 PM)
Yes, I told you that last 2 weeks I apply it because of free gift and I ask someone here before I apply it. 1 forummer said is free cash to us to I apply it.. biggrin.gif
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hehe, i forgot liao laugh.gif
anyway, if approved, got free cash
else oso received fre gift oledi thumbup.gif
alexwsk
post Oct 31 2010, 10:29 AM

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QUOTE(rockefeller @ Oct 30 2010, 10:39 PM)
HSBC Premier World Mastercard can be included in this category. Criteria: Only for HSBC Premier customer (RM 200k in deposits)
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HSBC Premier CC is World Mastercard category?
alexwsk
post Nov 1 2010, 09:39 PM

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QUOTE(winner @ Nov 1 2010, 07:28 PM)
Your combined CLs from different banks will be treated as potential debts and thus affecting your loan repayment capability.
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true, but if you always pay in full and no other outstanding credit facilities, your loan app shud hv no prob

my total CL almost = my annual salary (previously exceeded, but request to reduce CL for 2 of the cards), but I still manage to get housing loan from 3 banks recently (applied 3 banks only)

of course, if you don't need the CL, reduce it
alexwsk
post Nov 6 2010, 04:44 PM

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QUOTE(rickkywong @ Nov 6 2010, 04:39 PM)
One of the point that banks DO NOT want you to know..... doh.gif
please read through this article...
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it's normally printed at the back of the statement, if anyone bothers to read rolleyes.gif

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