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Credit Cards Ways to CANCEL your credit card, Updated since 30/07/12
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TSgerrardling
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Apr 16 2012, 09:32 AM
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QUOTE(xtjs @ Apr 15 2012, 06:33 PM) really true what some ppl have been complaining on the difficulty cancelling ctb cc. i have been a long term user, more than 10 years with this bank, and i will never use them anymore. More than a week the cancellation form faxed in, account still active and no calls. I called the cs and they just said card is still active and put me on hold for 10 mins to get thru the cancellation dept officer, but yet cant get thru. Then the cs took said the cancellation officer is busy and will get them to call me back but no calls too. Will email them and fax a letter this time to cancel this card! Shall i cc a letter to bank negara? Last time i cancel my citibank card by phone call. They called me after 3 days to confirm whether i want to call this card or not. U better forward this matter to BNM. When is your card anniversary month ? sometimes they keep on delaying so that they can charge RM50 tax into your statement and you have no choice but to use it for another year
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TSgerrardling
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May 16 2012, 04:56 PM
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QUOTE(ronron @ May 16 2012, 04:20 PM) hello guys, need some advise: I have a question here: I want to cancel my credit card, but the card now still have some items that I purchases using 0% monthly installment method. Can I just pay off the total balance and cancel it or I need to wait until the monthly installment finished? Sorry for asking this, I am first time credit card user here thank you advance for your kind reply and advise.  check with credit card issuer whether you can settle your installment early or not without any charges. If there is any charges, then it is up to you whether u want to pay that extra charges
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TSgerrardling
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May 24 2012, 04:01 PM
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QUOTE(myee888 @ May 24 2012, 03:57 PM) I have the same problem also. Using MBB Petronas with 0% ezpayment, balance is another 6 installments. They asked me to fax a letter to ezpayment to cancel the monthly installment and they will settle with the bank. After that then only I can cancel the card. I'm doubt it works - They just give me a Fax number without any other phone contact, and expect there are people who will processing it with my credit card number??? I have cancelled another HLBB card with 0% ezpayment. But that one no need to go thru such troublesome way. Looks like I have no choice and wait until they charge me another RM50 government service tax. Anyone with similar experience can share? Use your maybank treatpoints to redeem RM50 GST
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TSgerrardling
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May 25 2012, 04:16 PM
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QUOTE(zzzxtreme @ May 25 2012, 04:01 PM) i remember vividly how difficult it was to cancel my Alliance bank card. HLB i remember too, they send me statement with zero balance for almost 1 year , I have to complain few times. It was so easy with stanchart and citibank Mind to explain how difficult it is to cancel your alliance bank card so that in the future, we as a user wont fall to their same trick again
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TSgerrardling
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May 28 2012, 09:21 AM
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QUOTE(fruitie @ May 25 2012, 11:37 PM) I just realised my CIMB DA's anniversary is every year's 06. Before they charge me again on the GST, can I cancel the card? I still have one more installment to pay, June is the final month. I can even pay the amount now and close everything. If anyone has the similar encounter, please share or I'll call the CS soon.  that means ur final installment will appear at ur june's statement which is same month as they charge you GST. what is the early settlement fee ?
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TSgerrardling
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May 28 2012, 02:49 PM
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QUOTE(fruitie @ May 28 2012, 02:42 PM) I haven't called CS yet.  If I remember correctly, it was RM 50 for the early settlement fees. My installment is less than RM 200.  Anyway, will try to negotiate with CIMB to let me go without paying the fees. However, I was charged with GST only in July's statement if I remember correctly.  If it is charged already, nothing much I can do... Looks like I have to continue using it for another year.  should be on your june statement for GST service tax. Nevermind lar, just keep it, who knows later u want to buy another gadget again This post has been edited by gerrardling: May 28 2012, 02:50 PM
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TSgerrardling
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May 31 2012, 02:23 PM
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QUOTE(fruitie @ May 29 2012, 09:53 PM) I managed to call CS on my case. I still need to pay for the early settlement fees if I were to settle everything earlier. Fortunately, he helped me to check that GST will not charge to my June statement yet, only on 21st July.  So, I'm still in time to cancel my card after this last payment.  strange, normally rm50 GST will be charge on ur anniversary month's statement. if i am not mistaken, there is a notice when the GST will be charged on your monthly paper statement.
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TSgerrardling
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Jun 6 2012, 09:42 AM
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QUOTE(mooo88 @ Jun 5 2012, 08:54 PM) hi, guys i need help here.. my sis is a primary scl teacher..therew was 2cc sales come to their acl and minta their support.. so she had apply hlb and rhb cc.. she ady gt mbb dual card and jz apply the cc for getting those freebies.. so here is my question 1.if the cc still seal in poslaju packet and didn't activate, do she kena charge 50 gst yearly? 2. if she wana cut hlb and Rhb card, cn she terus go brAnch and do so? even she just gt the card 1week? 1. not sure. Different bank different policy. Some charge you RM50 GST even before you activate the card already. Do call Bank CS to ask. 2. Yes, she can just cancel the card, but she must clear any outstanding balance including RM50 GST
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TSgerrardling
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Jun 6 2012, 04:31 PM
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QUOTE(chubbybobo @ Jun 6 2012, 04:15 PM) I want to cancel the Aeon credit card, and actually i still do not activate it, so did i need to pay the gst? what the step to do? just drop them the letter with the 'cut' card? i think u can check your online statement whether they have charged you GST or not. If yes, then just use it, if no then you can call their CS or go to any credit service kiosk to cancel it
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TSgerrardling
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Jun 6 2012, 05:33 PM
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QUOTE(chubbybobo @ Jun 6 2012, 05:19 PM) i never received any online statement, even do not open an online account  or you can call their CS to ask lor. It is not difficult to register for their online account
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TSgerrardling
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Jul 30 2012, 07:34 AM
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QUOTE(wookayhua @ Jul 21 2012, 03:47 AM) For OCBC - call 1 300 88 5000 to cancel the card. I did this on my Great Eastern Visa Gold before but keep my Great Eastern Master Gold because Visa's annual fee is higher than master's annual fee. Than later they upgrade my Master Gold to Master Titanium. added in the first post. Thanks
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TSgerrardling
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Jul 30 2012, 05:24 PM
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QUOTE(williamjr @ Jul 30 2012, 10:36 AM) 5000 points can get RM25 to be credited into cc account but u still have to pay another rm25 just for the GST. CIMB is good for nothing nowadays except for dining promo
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