QUOTE(PPZ @ Jan 12 2011, 09:05 AM)
it is not they charge me for the early installment but they charged me for the exceeding usage of my credit card. i thought i have payed them off but they took my early payment as payment for installment.
You cannot fault the bank. The way I read it you did not understand the concept of payment due every month as indicated by your bill and payment hierarchy. It shouldn't be a problem under normal circumstances but you had installment plans which then triggered early settlement fees.
All the senior folks here at one point or another make mistakes with their cc. Just accept it was a mistake on your part and move on.
I would appreciate it if you don't write discouraging people to pay early coz that creates another problem when people pay late, they get charged late payment fee and they fault the bank for not waiving it off.
Added on January 12, 2011, 9:38 amQUOTE(HJebat @ Jan 12 2011, 07:45 AM)
Guys,
i have cancelled my HLB cc since 2008. But in august 2010 they send a statement stating tat i have an overdue payment. After several emails, this is what HLB officer have to say:
"As per our previous email, we would like to advise that there is no record of your cancellation request received at our end prior to service tax imposition. We wish to take this opportunity to advise that for each credit card issued the bank is authorize to charge a service tax of RM50-00 which is then make payable to the Royal Customs Department. The bank has indicated that with effective 1 January 2010, all individual holding credit cards will be imposed a service tax of RM 50-00 per principal card.
In view of the above, it is with regret that we are unable to reverse the service tax of RM50-00 which was levied in the Visa card on June 30, 2010. Nevertheless, we are pleased to advise that we have since reversed the annual fee and finance charges derived from the service tax on goodwill basis. We would appreciate if you could make the necessary arrangement to remit payment i.e. RM 50-00 before your statement due date."
I do not intend to pay for the service tax as my card was cancelled before the implementation of the tax.
Guys, would like to know what should i do?
1) do i really need to pay for the service tax?
2) if i do not make the payment, what is the consequences?
HJebat, you should have made follow up calls to ensure that your card was cancelled in the first place. While Gen-X mentioned that it is possible to reverse the GST but not all banks are willing to do so and HLB isn't known to be one of them. You can try to appeal to them but if they decline (likely to happen) then just bite the bullet and pay to avoid a black mark on your CCRIS. Take the RM50 as a lesson learnt from the mistake made.
I know I sound harsh but the reality is that banks are commercial entities, least likely they will take side with the customer. In this case, I see that you assumed the card is cancelled and never checked with the bank at all as to whether your card is still active or not.
This post has been edited by hye: Jan 12 2011, 09:38 AM 
Jan 8 2011, 08:48 PM
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