I'm perfectly in support of this idea but still a generic cc thread is still useful for those asking generic questions regarding the use of their credit card. Personally I don't think opening up a specific thread just to answer some generic question is useful coz the question 99.99% of the time can be answered in the next post.

Oh yes .... everything about HSBC but HSBC marketeers, please keep out or you'll be booted out as there are other thread to market your card/products.

+1. I hate those requiring to register coz it is so complicated to follow and SMS contest are sometimes ambiguous in nature.
Not to mention, you'll get charged for those premium SMS that you need to send/reply to.

What special shops are you talking about ? What special discount are you talking about ? Is this your first time using any form of credit card hence the unusual expectations? All credit card promotions are dependent on merchant's current promotional programs and this are not necessarily in the form of discount.

That's the whole idea ... consumers spends like mad with the hope to get some prizes but later make a mistake.
Fussy criteria is to ensure spending happens ... T&C are written with the bank in mind, not the consumer.

I normally avoid these promos as I don't feel the bank is sincere. Just want me to spend my hard earned money using their card. So I just say NO!

I suggest if you guys want to get a replacement card due to the card being faulty ...

- Call in and say that you suspect your card being faulty and provide proof.
- Don't suggest you want a replacement card but instead ask CS what shall you do about it.
- At the point likely CS will offer to replace card FOC or ask to pay for replacement card.
- If the ask you to pay for the replacement card then calmly ask the CS to block your card from further usage as you do not want to replace the card if payment is required.

By this time, the situation would work to your advantage but be prepared with a backup card should it backfired. Please don't abuse this advise and it should be used for genuine cases only and not for serial credit card collectors.

And please talk nicely and calmly, under no circumstances threats or strong verbal language should be used.

The number you gave need to be contactable (99.99% preferable DID number and not the office main number) and the person who answers the call need to be either yourself or someone from HR who can verify your existence in the company.

Are you aware of this ?

Please do make an official complaint to HSBC and ask them to refer the case to their management.
The person claiming from Takaful is sore you said NO. Even if it is true HSBC furnished 3rd party with your information, they are not supposed to behave or arm twist you. Such behavior is clearly out of conduct and in violation of their own T&C.

Make sure you report the case and do not let it go unnoticed as what my counterpart MilesAndMore have mentioned.

This post has been edited by hye: Jul 16 2011, 08:32 AM

You always need to read the fine print. Don't get too excited with the bold prints and jumped in. It is a mistake many consumers would do. I was nearly fooled too when I saw the ad and the potential 6% rebate was an eye catcher.

Then when reading the fine print, saw the T&C.

In most cases once. If you are lucky or if the person is in a good mood - two.

Beyond that then consider yourself rejected already because they will consider not answering the phone call as a possible risk. Don't blame the bank because in actual fact there is a lot of cases where card applicants gave false contact information. Bank don't want to waste time because you are not the only person which they need to call (hundreds of applications/call need to be done per day) and there's daily KPI which they have to meet.

Miss the call then it's good bye to your card application.

That's why we always asked our readers to read the fine print. Cancel anything that you don't want.
Many just want convenience expecting the sales rep to fill in the form and we just sign on the dotted line.

Myself a few years back a Citibank sales rep multiple tick cards which I didn't want / intend to apply after I left. (So much for good old honesty) I raise this issue with the bank and the manager called me up personally to apologize for the staff wrongdoing.

No.

Don't argue lah ... there's a fee charged on top of the exchange rate.
Like the folks said ... make a comparison between the daily rate and the exchange rate imposed on you. You'll see it.

If there's no fee then wouldn't you think all of us here will suddenly make a jump to Citibank (or whatever bank) that does that charge that fee ? And we would also change our recommendations to the card to be used while overseas ?

This thread and this section is not the place to solicit such answers. I have even highlighted this in the MOD notes as too many people asking until the forum is plague with such questions all the time.
You don't want to pay (refuse to) RM50 service tax then please use debit card. If you are that poor to pay RM50 then please use cold hard cash.

This post has been edited by hye: Mar 2 2012, 01:08 PM

Annual fee are charged by the bank and therefore the power to waive it resides with the bank. More often than not the bank will waive it if they like you and your contribution to the bank. Since it is part of the possible revenue - they can choose to waive it.

However, GST are tax imposed by the government and collected by the banks. Banks will then pay the GST to the treasury (government) GST waiver are therefore resides with the government.

There's the wrong idea that everyone has that bank waive the GST whereas in such cases the bank "pay" the GST on customers behalf.
From the beginning the government strictly disallow banks using GST as a tool to retain customers. Those who claim that such is provided to them - I challenge you to search for any banks that openly publicize they waive the GST for the credit card holders for free and offering it as part of the incentive to signup as a credit card holder.

We don't want to break the law so don't ask us how to break the law. Waiver for GST in actual fact does not exist. If anyone wants it then go and ask the government to waive it for you.

Obviously kyleen have no understanding what the RM50 GST origins and the difference between annual fee and GST. The above for specially for his benefit since it would appear he is bashfully challenging his rights despite his clear ignorance of the subject. Hope this clears the difference between annual fee and GST. kyleen you may Google, call BNM / or the banks and check the (Malaysia's) credit card GST information if you are in doubt and wishes to challenge this information.

This post has been edited by hye: Mar 7 2012, 02:03 PM

If you are grumbling about the calls then just pay your dues and the calls will stop right ? No need to bother us here to confirm your "experience".
And it is a troubling fact your card is over limit ... spending too much or too much debt ?

Bank are strict about income requirements these days. And card types are segregated by market segment thus you see card types.
I believe you want the Visa Signature because of the perceived "status" value - if everyone qualifies for it then where's the perceived "value" ? And i'm sure you don't want such a card.

Simple hypothetical test

Citibank VISA Signature
MBF VISA Signature

From the above, which one people think has better perceived value ? (hypothetical same card type)
You know your own answer right ?

That's what happened when you use it as a marketing ploy. We don't blame them as a large percentage of the readers who come in here want nothing less than a Platinum and sometime Premier range cards - unfortunately in most cases as well they don't qualify for it. With the credit card market tightening due to BNM rules so how else to attract customers ?

Don't blame the banks ... banks offer products which are driven by customers demands. Customers want "perceived" prestige / class and that's exactly what they will get.

Sorry again ... but CL these days are "conservatively" awarded by the banks. Card type would not impact HSBC CL decision.

If you are firm to cancel the card then the card will be cancelled. Nothing the bank can do to stop you if you are firm.
If you are weak and accept the "recovery" method employed by the bank, the card will naturally "boomerang" back to you.

HSBC have no such thing as VI. It is VS.
HSBC VS to me is not even a premier card coz about all of HSBC Plat holders got upgraded to HSBC VS - so what's so exclusive about it if just about the whole bunch of their Plat holders own the card? As ZiNKaK mentioned ... Premier or not, it is all in your head and HSBC so called Premier cards privileges are nothing to MBB's VI or WMC range and maybe CIMB Premier range cards - CIMB VI / WMC / Enrich WMC.

You want Premier status ? Then go apply for MBF VI or WMC range. You will a have perceived "Premier" status.

This post has been edited by hye: May 25 2012, 08:12 PM

I would like to mention (possibly) a fraud by HSBC agents which occured during the recent Gas Conference in Malaysia. Unsuspecting customers (who were after free gifts) were asked to signed up for the cards which they could cancel with zero charge if they didn't like the card upon approval.

Of course we all know that the RM50 GST were payable the moment the cards were approved. To make matters worse, some of the greedy customers signed up for 2 cards and the bank refused cancellation of the cards unless both cards have been delivered and accepted by the customer + over the phone cancellation is not accepted.

I'm appalled that HSBC Malaysia has now stooped to such a seedy tactic to grow their customer base. If anyone here came across similar incidents, please do not hesitate to report such cases to HSBC Malaysia and BNM for further action.

This post has been edited by hye: Jun 26 2012, 02:57 AM