1) what your question has to do with cc cancellation?
2) if you settle your loan earlier in full, you may save on some interest. but if you settle your cc amount in full, that is what you must. and if you fail to do so, you will be charged with late payment charges as well as interest.

these were the new set of guidelines from bnm on 18/3/11 regarding credit card.
this no.15 faq means that if you were holding many credit cards and were affected by these new rules at that time, you need to terminate your extra credit cards.
let's say you have more than 2 credit cards but is earning less than rm36k, so you can only choose to keep 2 cards and terminate the rest.
so for the extra cards that you need to terminate, you don't have to settle the outstanding balances immediately, as it will be unfair for those who have outstanding balances in many cards.
so they were given a 2-year period (from that time) to settle those balances after cancelling the cards.
this means that by april 2013, you need to have fully settled all outstanding balances of those cards which you have terminated.

and for now, this no.15 faq is no longer applicable as it is only referring to that time when this new rules/guidelines takes effect.

just be firm with your decision to cancel and don't allow them to play tai-chi with you, sure no problem.

let me guess...
1) to prove the cimb instant card issuance service
2) to go for a collection of different credit cards
3) to get the free gifts
4) got cheated by the promoters
5) all of the above

it's better if you report her as the reason you cancelled the cc.
i think it's not the centre's fault, it's this agent trying to get some easy successful application since the people who comes in by themselves are those who interested to apply the cc, sp the rejection rate for her will be lower as compared if she go around other places asking randomly for people to sign up.
since they gave you the rm50 cash back, you can also use it to strike off the rm50 gst when cancelling.
you have a valid reason to cancel and just insist on it that the agent is unethical to have done this to you.

maybe they will offer you a jazz hybrid?
just announce you as the winner will do...

1) yes, it takes time to revert back the money to you
2) at the same time, if you want, you may file a dispute with your cc bank. they will investigate this issue and will eventually push the other side to revert faster

when you being offered a cc, you should know that there's a rm50 gst to be imposed. if the cs did not inform that you need to swipe 3 times to offset the gst, which means you know that the bank is not absorbing the gst and you need to pay the rm50?

most probably negative for gst. once the cc is approved, gst will be imposed to the bank and bank will transfer the cost to the user. however, retail interest or finance charges or late charges are more possible to be waived by the bank upon request.

good to hear that! congrats to you then!

via phone call will do to terminate your card.

how much is thr small fee? and how about the gst charged?

maybe the rm2 is for admin fee.

yes, gst is being charged by gov not bank, so bank couldn't waive it even if you have not activated your card.