Yes, most people were being conned into signing up for credit cards due to desperate promoters. I was at The Curve last October where I met this HSBC Senior Card Sales Executive. After listening to his explanation on the promotion of the HSBC Visa Platinum, such as cash bonus of RM50 on 1st swipe to cover the GST and 10% cash back on the 1st RM650 spend, I also signed up for the application. The promoter was so confidently told me that next year's GST will be cancelled. That was before the 2011 Budget was announced. When I received my new card on the same month itself, I did the necessary spending wait for the GST and other rebates to be credited back on the following month statement. Still no refund on first month. Tilll this month, there's no refund being given. So I called up the Customer Service and they are unaware about the promotions. I cancelled the card on the spot. My advice to all who wants to apply credit cards, please be careful when you meet this kind on unscrupulous promoters.