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Credit Card v15, Ask general questions here, Please read the 1st post before posting
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shauyan
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 Mar 4 2011, 10:18 AM
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Getting Started
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Stupid MBB.
I applied Platinum MBB 2 cards. There approved Gold card for me only. My monthly salary not >5k but my annual is more than 60k.
Fine, if they give me Gold Card. But my CL still 7k. Because my old MBB petronas gold is 7k CL only. WTF, i submitted all my payslip and they never bother to increase my CL. What for i am holding 3 cards but CL only 7k? Pay my insurance already over 7k. MBB is really sucks. Very angry now and thinking to cancel MBB 2 cards even though i havent receive the cards
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shauyan
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Mar 4 2011, 10:37 AM
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Getting Started
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QUOTE(chemistry @ Mar 4 2011, 10:24 AM) What insurance are you paying? if it is Great Eastern, they don't accept AMEX. Other insurance companies I'm not so sure. You may inquire the Customer Service whether they accept AMEX. The point is not insurance. The point is i'm holding 3 cards but they still dont want to increase my CL of 7k. |
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shauyan
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Mar 4 2011, 10:54 AM
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Getting Started
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QUOTE(milentechie @ Mar 4 2011, 10:39 AM) I got 3K increment only in CL with MB2 Gold approval (without applying it). Mind you, I have been MB cardholder for more than 10 years. It still can't match the generous CL adjustment for my Citibank card, which I have been using more than 10 years. CT is more generous whereas MB is very kedekut. Among the cards that I am holding now, MBB gives the lowest CL. I knew they are "kedekut" on CL therefore i am still using my Petronas Card for 5 yrs, CL still 5k. But last month just increase to 7k. Therefore when i applied MBB 2 cards, i purposely submitted my payslip to prove my eligibility. But they still dont bother. |
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shauyan
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Mar 4 2011, 11:13 AM
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Getting Started
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QUOTE(Gen-X @ Mar 4 2011, 10:53 AM) Call CS now and said you applied for Platinum Cards. As for CL, not necessary they will increase your CL when you got a new card approved AND MBB standard where all your MBB cards share same CL. Already called MBB CS. Since they already approved the Gold Card, no way they can revert. I can only fill another form to convert the Gold Card to Platinum Card. It is so troublesome and waste time. Darn, i thought MBB will improve since they want to increase CC market share but still act ego, thought they are the best. Shxx! I dont mind Gold or Platinum and already put up request for CL increase. Waiting for approval. |
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shauyan
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Mar 4 2011, 11:36 AM
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Getting Started
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QUOTE(hye @ Mar 4 2011, 11:29 AM) I second that. I just got my card approved with a happy CL increase. I would like to reiterate .... the bank generally approves CL based on what they see as your total credit exposure. Your total credit exposure will be visible across all banks. Plus ... doesn't mean you pay RM7k in insurance that is a lot of money. I know people who pay cc bill like 5x more than that every month, they don't even blink and they don't go about cursing the bank like what you did in the last few posts. You are only successful in making a fool of yourself of so called being "victimized" What you are saying is not true. I traveled overseas a lot and used my CC more than 10k every month average yearly. So if you are saying my total credit exposure is visible across all banks and it will be MBB's fault because very clear they did not check that. I am not trying boost i'm very rich or whatever, but we know 7k CL for 3 cards based on my spending pattern is not enough. If MBB really did their job, sure they will know this is not enough for me. Maybe you are MBB supporter but I'm not. I have savings, fixed dep and CC and even etiqa with MBB for 5 years. Their service is really bad and i;m not blamed it without any reason. This post has been edited by shauyan: Mar 4 2011, 11:38 AM |
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shauyan
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Mar 4 2011, 01:00 PM
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Getting Started
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QUOTE(hye @ Mar 4 2011, 11:59 AM) Whatever it is ... the main thing is that this thread is for discussion purposes and not a place for you to let out steam. Unless you are able to provide proof of MBB not doing their job and concrete proof that your own credit exposure to be low (anyone can write anything they want) ... you can't decisively say that here. Please do not ask the readers here to be your jury. If you are not happy with the bank (since you say that you have been supporting them for 5 years) then change and the power has always been in your hands. I did not ask anyone to be my jury and in fact we are adult, we knew how to define good and bad things. I am not intended to offense anyone and i'm here to share my experience. I thought to share my bad experience and hope to help other ppl who is same situation as me. (which is no way to revert to Platinum and ask for CL increase to CS) Of course I was expressed some dissatisfaction but it is only my own opinion. This post has been edited by shauyan: Mar 4 2011, 01:01 PM |
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shauyan
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Mar 4 2011, 01:12 PM
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Getting Started
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QUOTE(Gen-X @ Mar 4 2011, 01:07 PM) Besides you not wanting the card you want and also people reporting that they were issued AMEX Gold CC instead of Maybankard 2 Cards. If you had read my post in my blog, I have informed all that my application was being process for MBB Dua Gold when I wanted Plat. Luckily I followed up on my application. My advise is to follow up on your application 3 days after you apply and not more than 7 days to check what is in MBB's system. Call Amex 1800-88-9559 and tell them "I have applied for the MBB Dua, can you please check my application status i.e. is my application being process and if yes when it started and secondly what card is being process. Thanks for your advise Gen-X. In fact, I faxed my document on Monday night, i received SMS about application approved on yesterday night. It is only 3 working days I have to admit that their CC processing is REALLY FAST  This post has been edited by shauyan: Mar 4 2011, 01:13 PM |
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shauyan
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Mar 4 2011, 02:14 PM
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Getting Started
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QUOTE(tgeoklin @ Mar 4 2011, 02:01 PM) Seriously, with such commendable spending streaks, why do you even bother with Maybank???  haha... seriously, i am attracted by AMEX 5x treat points it is already 2.5% points. I traveled to US, so acceptance of AMEX is not a problem for me  Previously i'm using Citi Cashback platinum, but for other retail transaction on 0.3% Hence, this is why i'm going back to MBB, even though i had bad experience with it but i have take care of my wallet too  |
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