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Credit Cards Ways to CANCEL your credit card, Updated since 30/07/12
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kelvinlzy
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 Jul 3 2014, 02:40 PM
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QUOTE(tslim2531 @ Jul 3 2014, 06:56 AM) Alexwsk, will do. Thanks a lot! Just in case they still do not want to waive it for you, maybe you can swipe it once or thrice (need to check with CS) within a certain period of time after your card approval date and they will credit it back on the 3rd or 4th statement. QUOTE(ldhong @ Jul 3 2014, 12:02 PM) Guys, I plan to cancel my RHB travel money Credit Card. Do i need to walk in to the banks or i can do it via phone calls? Balance all settled and the card has not been used for more than two month. When my gf asks to cancel this card the CS said since the GST is credited back you can only cancel it after 1 year. If you want to cancel now you will have to pay back the RM50 GST.  |
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kelvinlzy
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Jul 3 2014, 07:59 PM
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QUOTE(Human Nature @ Jul 3 2014, 03:02 PM) I am against this idea. It will only encourage these unethical agents to do the same thing to others. The bank needs to apologize and take action on the agent. Of course the most righteous thing to do is to complain to the bank and cc Bank Negara. It is just that I have a friend who was also conned by an agent so he requested to cancel the card and did not pay the fees. Later on his CCRIS was affected and so was his loan application. Only then he found out that the bank did not waive the fee and charge the late payment and interests as well. After complaining to BN, it took quite some time for his report to be cleared. Furthermore you need to retain the CC for at least 6 months so that the agent will get his commission. I am just saying that it can be the last resort in case everything didn't work out. |
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kelvinlzy
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Jul 3 2014, 08:02 PM
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QUOTE(ldhong @ Jul 3 2014, 05:44 PM) My GST is coming up this September. Havent reach yet. Btw, they can reject cancelation? Since, we also not using it anymore...Collect dust...  By right we can opt to cancel our cc anytime we want. Might forward to BN if they still reject the cancellation. |
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kelvinlzy
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Jul 4 2014, 01:29 PM
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QUOTE(Human Nature @ Jul 3 2014, 08:07 PM) Your friend was partly at fault for ignoring the fee and did not follow up on the cancellation. That is why he faced such problems. When he reported to BNM, it was already late. The agent already con your friend and he still care to wait 6 months for the agent to get his commission?  Many people have reported that they are being conned by these agent because of this so called last resort. It is time to teach them lessons. What I meant was since the agent needs to wait 6 months or so to get his commission, once the GST has been credited back on the 3rd or 4th statement we can directly cancel the card, that should also teach the agent a lesson.  |
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