Wow, today I paid RM 50 GST to cancel my HLB card.
What happen was I applied a card due to a friend needed to meet his target as well as to try my luck.
I submitted the application on the first week of nov. so everything run as usual till it was "approved" on Nov 29 and no email/sms/letter from HLB to me. My agent has no idea of card status as no details of approval or rejection were email to him. I called HLB last week and their self help system said my IC does not have any application. So I talked to the CS to check and to cancel my application as I am lazy to wait. It has been 1 month.
Today I receive a card collection reminder. Its not even a card approval or congratulation notice. Called up HLB for explanation and they said my first statement has already been sent out last week. So the CS advice to pay the GST and terminate my card to avoid late charges and interest. He also sent an email to the person/department in charge.

Thus, I paid RM 50 GST and canceled my card

What the hell is this >.<. The letter of reminder that I received was dated 17/12/2011 and the CL is pathetic.

Actually the RM50 GST payment is NOT to cancel the card. Since you applied for it, you ought to know that you be will charged RM50 GST sooner or later, unless you can prove that you have cancelled your application before hand. And since you have paid for it, you can actually keep the card for 1 year

No need to help friend the next time... if he could not achieve his sales target... JUST QUIT lah !!!

Haha, well the problem is not the GST. its that I didn't know my card has been approved. Guess their mail system have problems or I am just being unlucky on applying all my cards.. even maybank will sms me and called me to let me know my card have been approved. I called HLB and they said my application does not exist and now they tell "hei your card has been with us for 1 month, come collect".

you mentioned you wanna 'try your luck', so consider lucky la as your application is succesful

Now unlucky then coz i applied for other bank with better benefits.. how the hell would i know since MBB rejected me 3 times before they approve me. ;/ hope the credit department will call me before rejecting for having more then 2 cards? lol

received sms that my hong leong credit card limit will be increased, to accept sms YESINC <space> ICNO by 15/01/12..

All this wouldn't have happened if you did not apply for the card. I think it's rather unfair to fully fault the bank whereas you had a role to play as well. You started the ball rolling ... anyone who read your story would have agreed with me.

Yeah ... like the folks said. No need to help friend. Friend not going to help you pay the RM50 in this story.

well hes a nice chap, he offered to pay but I said its my fault that I applied it. so I rejected. But the only disagreement is why does the CS unable to detect my card existence 2 weeks back and it got approved 2 months back.

Well CS has no control over what happens in the background. They only read out what is displayed on their screen. Could be the card is approved and it does not appear only until recently or the previous CS you spoke to did not read their screen properly.

Still ... friend or no friend, if you don't need the card then you shouldn't have applied. Then all this mess would not have even happened in the first place.

Well true enough. I am just wondering why their system so high end.. statement released and still can't detect me.. strange lol..
Anyway what done has been done. Never going back to HLB.. CS promised explaination but no called after a week. Too lazy to follow up la..

They are busy in migrating EON's customer info, credit cards etc. It is not surprise their database is not updated real-time for credit card application. Just stay with it

Shiroi sounds quite well-informed, do you work in HLB?

Nope of coz not working with them. Since HLB and EON merged, they will need certain period of time to do the data migration and it is not easy to do so and data migration for bank really take up months to do with their huge database.

expected to be better after may,after SPD 1..currently both team ex-ebb & hlb in the middle of process to migrate customer data..hopefully the service will be better after this

By that time then all the customers hop over to another bank already and bid their goodbyes to HLB! Sept is 8 months away and I don't think if I were their customer I'll be that patient coz I'm not compensated in any way for my inconveniences which the bank creates for me.

I think other banks card promos are anytime better than HLB.

HLB serve me well...

my all loan approved by hlb with the lowest rate.. XD

i tot the essential card is the best choise?

HLB cards, hmmm.... let me see what Promo is good? Answer: none!

Click here to read what I have got to say about their CNY Promo for their HLB Pavilion cardholders.

This post has been edited by Gen-X: Jan 18 2012, 04:58 PM

it's a must for long term benefit..if i not mistaken any bank with merger issue also suffer same side effect..it's not a one day discussion and decison to make sure also job can been done..it involve all team from 2 different banking entity to come up with wise decision..

the hello kitty card got charges or not?? most i see is rm8 per year