2 days ago they called me, telling me last time i got a card application canceled and they would actually like to approve it now.. seems like business not so good eh? hehe

Below is my VERY VERY VERY BAD experience towards Hong Leong Bank CC application processes.

I applied leave on 7th of March purposely in order to go to Hong Leong Bank to apply for credit card - Essential CC. A young guy served me on that day. During the process of filling up the cc application form, that guy dont know how to spell some english terms such as "commerce" & "engineer" so i told him the spellings    he checked my pay slips and i'm eligible/meet the requirement of salary 30k per annum, so i submitted related documents(photocopy of IC, pay slips) to the guy. That guy told me to call the customer service if i didn't receive any news on the application.

Then i want to apply for a CDS account and another lady gave me the aplication form. After I have filled in the form and submit to her, she told me that NO REMISIER/AGENT in that branch and i STILL HAVE TO GO TO HLE main office at jalan ipoh.  so i didn't apply the CDS account at Hong Leong since it is so TROUBLESOME

After 2 weeks plus, I still haven get any news from Hong Leong then i call the customer service. Then the person in charge checked on my status and told me that my DOCUMENT IS INCOMPLETE. Then i'm wondering how come Hong Leong didn't inform me about that. Is is I HAVE TO CALL only then they will tell me why my application is pending   Then only there come a person called me and asked me to fax my IC, driving license to her. So i faxed to her. After a few days NO NEWS AGAIN    Then i called this person to ask for the status and she promised to find out whats the problem. Then she said my fax copy is NOT CLEAR ENOUGH and asked me to fax to her again so i faxed ANOTHER TIME to her. Then NO NEWS AGAIN    and i called her again and she asked me to send soft copy to her. So i sent to her. After a few days she smsed me told me the application is approved, do i want to proceed. Of course i told her to proceed. The whole process is sooooo troublesome!!!

Then i've decided to apply for Maybank Card 2. The person who serve me is so nice and I RECEIVED THE MAYBANK CARD 2 WIHOUT ANY HASSLE on the 1st day of the 3rd week from the day i applied. MAYBANK IS SO FAST & EFFICIENT 

By the end of April, i received a letter from Hong Leong saying that my application was rejected as they required additional information/docment  BUT the date of this letter is 11th of April. So i'm wondering shd i follow this letter that said i'm rejected or shd i follow what she said that ask me to proceed.

Today, 5th of May (which is almost 2 months) i received the CC from Hong Leong. When i opened the envelop, i found that Hong Leong did not give me the card i applied(Essential Card), Hong Leong gave me a CLASSIC Card. WHAT IS THIS !!! AFTER TONS OF HASSLE AND THEY GAVE ME THE WONG CARD !!!    Then i called the customer service immedieatly and ask about this. Then the person in charge told me that "Essential card is same category with Gold card. While for the classic card, the annual income is ONLY 18k." -- she had some kind of meaning that i cant meet the requirement thats y i get Classic card    Then i told her i know that Essential card requires 30k salary per annum and i meet the requirement, then she ask me to wait(she is going to ask some1 bout that). Then do u know how she answer me? she said "THE APRROVAL IS BASED ON THE MANAGEMENT DECISION ".  i'm eligible to apply for the card and now she told me THIS KIND OF ANSWER !!! Then i suggest Hong Leong to include a note there stated "IT IS SUBJECT TO MANAGEMENT DECISION ALTHOUGH YOU MEET THE REQUIREMENT"    WHAT KIND OF EXCUSE IS THIS. GIVING THE WRONG CARD THEN SIMPLY FIND AN EXCUSE TO COVER UP THE FAULT 

Besides, if Hong Leong feels that i dont meet the requirement, why they approved my application and ask me whether want to proceed. Actualy they can reject me directly and eliminate all the hassle.

Hong Leong Bank = TONS of HASSLE + GOOD in MAKING EXCUSE

LOL. Hong Leong declined my application.. huahuahua

HLB declined my visa signature. the reason is that I already have plat card with HLB and they cannot issue me VS as it is not possible for these two cards to share credit limit. They asked me to reduce my plat card limit at branch and will issue VS with credit limit following the amount that I reduced. 

Before that, they asked me to fax them my statements, which I felt a bit weird since I already have credit card with HLB. Well, I just fax to them again thinking perhaps they wanted to update my profile in their system.

It seems even though HLB and EON are merged, they are still under two different management but sharing one credit system. I asked them to help me cancel the plat card and re-issue the VS to me, but they refused by stating they are from different departments, blablabla, and insist me to go the branch.

Instead of solving this matter themselves internally, they prefer to hassle me as their loyal customer for like 5-6 yrs (personal, current, credit card, home loan all with them) to solve the problem myself. In the end, I told the officer "you want you just give, dont want dont give lah. why want to trouble me?" as I found it so troublesome to have me go the bank for this unimportant thing.

It is no surprise that the topic of this thread mentioned "worst service, bad experience".  Previously, I kept telling others that I think HLB is as good as PBB, but now sighhh... rather offended and unhappy by how their system works.  feel to cancel my cc with them and move to other banks since their plat cc has nothing to shout about.

HLB do sucks...their customer service exec's sucks, rotten English on the phone & face-to-face when going to the branch to pay certain transactions.
I have house loan with HLB and im waiting for my house period over then i want to refinance to another bank, indeed not under this bank even if they counter good offers.

I made payment to my CC Fortune card amount 1540 and got extra 4.93, so called up CSR to transfer to other BT account. Transfer successful, statement also show had been transfer. Come to my surprise, actually it didnt.....I found by counter check with my spreadsheet to track my expenditure

It is not reflect in the BT account, I called ask, even the CSR was surprise tat their system, zero at the CC and said the amount had transfer to the BT account.

Now I seriously not believe their system, if i did not found out and others not found out. HLB suddenly make money out of no where....

Just imagine 1 customer RM5, and maybe Malaysia wide not sure how many case liao... HLB would be very happy....

Ppl using HLB please counter check tat this did not happen to u....

seriously, this one need to be reported to BNM

where to report? send email?

send email together with all the proofs to bnmtelelink@bnm.gov.my

ok, thanks

i just take picture at statement ok ar? but the request is by phone, can report also.....

so far, i hav not get ans when they refund the miserable 4.93.....  

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Added on October 25, 2011, 3:26 pmThe manager of CSR HLB called me up regarding to my complains, finally got someone look into it....

I encourage her to come here read and I challenge her to identify herself....

I hope this 9 pages of complains tat had been discuss can be address....