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 Credit Card v13

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uhlaw
post Dec 12 2010, 02:41 AM

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Is it true that HSBC cc got many privileges? Most of the shops asked me whether I have HSBC cc or not, so that I can get further discount for the item that I purchased.. sweat.gif
Currently I only have Maybank Sony cc.
Hong Leong classic and CIMB Gold DirectAccess are still on the delivery to my house doh.gif
uhlaw
post Dec 12 2010, 02:47 AM

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I thinking of not going to activate that Hong Leong cc once I received it.
But I still need to pay RM50 government charges even I not activate it?
uhlaw
post Dec 12 2010, 03:00 AM

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QUOTE(erry- @ Dec 12 2010, 02:54 AM)
yes u are.
once card issued, considered u want it, no matter if u dont want to activated it. so need to pay that gst rm50.

but, if u currently using gold card, then bank just send u platinum card (free upgrade), this 1 as long as u dont activated it, u wont be charged with gst (continue using gold). same goes to replacement card, wont be charged gst too.
*
Hmm.. Then I just have to activate it bah, since now HL can waive that RM50 for new application.
Btw, how long I need to keep the card before I can really cancel it without any penalty or charges?
uhlaw
post Dec 12 2010, 03:07 AM

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QUOTE(erry- @ Dec 12 2010, 03:03 AM)
cancelling wont get any penalty or charges. only if u still have outstanding amount, then it will continue with the interest (better do balance transfer).
but since u are going to pay gst rm50 for a year, so better cancel it on the 11th month.
unless, u already received enough cash back to cover the gst, so u can cancel it anytime (usually after 6 months).
*
HL told me the cash back GST will be credit to my cc on the 5th month sweat.gif
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