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

This post has been edited by ken_ng: May 5 2011, 10:00 PM

email this to BNM. keep all ur receipt and agreement as the proof of BNM require these documents. next time be careful

This post has been edited by gerrardling: May 5 2011, 10:26 PM

i don't find any problem applying HLB.
Maybe it's just because u walked in, that's why they don't care much bout your application.
Applied my card in a roadshow and the sales girl followed up every week on the card and even when it's approved she gave me a call.
What i can say maybe it's just different people different experience.
My colleague advised me not to apply at their branch as their staff won't "***" you.
But as for the sales team on roadshow, maybe wanna get sales so will follow up each and every application.

Different people will have different experience ... yours is good while the TS was bad.
Personally I didn't remember my own experience applying for HLB card to be bad, my plat card was approved within 6 hours of application. And I got the call around night time time but waiting for the physical card took some time. In the end, I cancelled the card coz it didn't meet my spending patterns and expectations.

@gerrardling, I don't see what would TS stand to gain from informing BNM. The bank are just going to tell you that card rejection is normal and it could backfire because TS was rude to the CS (I'm just stating what's obvious at this point, sorry TS if I got it wrong. Plus there's a possibility that the incident was on CCTV) whereas CS has no power to approve / reject cc - they just collect and pass on information.

This is a case of Bad Customer service on the part of the bank. The CS/bank could have tried to salvage the customer but obviously the CS didn't have the training to pacify of his bad experience. TS should have kept cool as attacking the CS now shifts the shame to TS - TS shouldn't have done that. (Again, I apologize if I got it wrong as that's what I understand from my reading)

One tip which I do sometimes ... if you really want that card product, write a note in the form - "If in any event, my application for xxx product is not approved then please cancel and destroy my application". Psychologically the person on the receiving end thinks that you are a veteran card user and will pay attention to your application. And I always ask the person who photocopies my documents whether the copy is clear enough - and I ask for a copy of my application + the person's card (or better still) the stamp with the person's name to be on my form.

I never had to attack anyone ... doing all this ensures the person processing my form to be extra careful in handling my application.

Even the way you fill up the form helps. A few years ago, I got scammed by a Citibank staff which applied multiple cards under my name without my consent and knowledge. I reported it and the bank manager called me personally to offer an apology and the staff affected was taken action. What I learn from this mistake is to not only tick the card I want but to also cancel the cards that I don't want. Ambiguity / opportunities for scammers disappear should you cancel the cards you don't want. (It is very clear now the card you want and only want)

Again, I sympathizes with TS for his bad experience but TS should not have attacked the CS when he receives the card.
Should have offered suggestion (nudge) the CS to do something if he/she was not happy - leaving a note to the bank could have helped. TS would have walked out of the bank head held up high for the professional response despite the bad experience. Share it with us and together as the consumers .. we would have avoided HLB cc product like plague.

Unfortunate in Malaysia, consumer unity is rather weak. So that's why this problem persists everywhere. (Not just in HLB yea )
And there're are many HLB advocates ... so bank does not learn or feel the need to take care of their customers.

This post has been edited by hye: May 5 2011, 11:28 PM

i hope u haven't use the card at all
gv them a call and cancel the card, GST shud be reversed if it has been charged

ya..mayb juz the person that serving u..i also got same problem last time i apply for HSBC card..also said fax copy not clear..bla bla bla..

ken_ng, just cancel the HLB card since you already got Maybankard 2 Cards.

Email your above complain to them.

HLB not very efficient in updating their system, that I 'll agree. The last time I had a problem with them because the stupid CS deducted less points to offset my GST and I was imposed penalty and it took them two months to rectify/update.

But I must add, not all CS the same. Once I call up HLB CS late at night and the girl said to call back as can only report stolen card. I hang up the phone and call back and another CS could attend to my queries.

This post has been edited by Gen-X: May 6 2011, 12:30 AM

Some good pointers there hye, especially the ticking part

Agree. Hlb, one of the worst bank servicing customer.

bro hye, i did not act/talk rude to the CS at all because i know it is not her fault because she is not the 1 approved my application. So i controlled my emotion when i talked to her. But the way she talked is abit like look down at me that i din meet the salary requirement. Besides, she dont even know what is the requirement of salary for the Essential card because she asked me to hold on and asked the other ppl.

I totally agree that different people will have different experience. So what i complain is just the CS shd try to find a solution for the customer and not looking down to those who dont have $$$$ salary per annum. In addition, if Hong Leong rejects my application of Essential card, then Hong Leong shdn't simply send me a DOWNGRADED card (from essential -> classic) which i did not apply.

Besides, the Hong Leong Bank (Pandan Indah branch) which is the place i applied for CC is soooo UNPROFESSIONAL. As i said, the guy who filled in the application form for me didn't know how to spell some simple words. And the environment in the bank is just like a MARKET (PASAR), those staff communicate in cantonese LOUDLY like they are in their own house. WHAT A BANK!!!

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Added on May 6, 2011, 10:16 amya, i agree that roadshow is much better because as we can see that majority of them are so desperate to persuade us to apply for the cc

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Added on May 6, 2011, 10:22 amyup, i agree that we cannot judge the whole CS by an individual...Of course i believe there are who treat us nicely...somemore may b the sound is so sweet hahaha...

Last time i called HSBC cc CS before. The 1st thing the CS did when she pick up my phone is she intro herself, telling me her name. Then only ask how can she helps me. She's very polite, sound is sweet and i can listen to her clearly. Then i tell her my problem and she said she'll call me back. Few minutes later, i received her call. SO EFFICIENT & EFFECTIVE!!!

This post has been edited by ken_ng: May 6 2011, 10:22 AM

She introduced you her name but you never ask for contact ?
The one who submitted my application is sweet too
That is why if my friend is going to apply for card, i'll direct them to her

bro, your "her" is from which bank ah? hehe

HLB lor. We are discussing bout HLB ma..
haha!

tl dr

moral of story is

dun waste time applying for CC from HLB

mind to intro me ah? haha... or she's from which branch? coz i hardly see HLB got roadshow...

You let me know your number through PM and i'll ask her to call you on it shortly

ok, let me settle my current card problem these few days. then i pm u my number, k? thanks bro for kindness, cheers

ken_ng,
if u have not use the card, write a letter & fax to them stating the reason of cancel which is the card is not the type that u initially wanted & applied for.

Sure do.
Just update me anytime in inbox and i'll forward the contact to her promptly

HLB is famous for being kaim sap one lah, their risk tolerance is very low that's why they always check your info and everything like crazy. HLB is one of the hardest banks to get loan also. any reason why you picked HLB CC?

anyway, i applied mine online and i think those that do it online will be followed up by the sales people in HQ which was pretty efficient as everything was done in 1 day. required a couple of calls and faxes.

**MOD notes** Post partially edited due to less than desirable language. Please watch your language.

This post has been edited by hye: May 6 2011, 03:02 PM

i din use the card, i called the CS directly when i received the card. bro thanks for the valuable info.

So far I haven't experienced any bad feedbacks during the progress of my CC application with HLB from Classic till Gold Card. The only negative ones that I've encountered so far was the Flexi Payment Plan for the 0% Interest free after swiping the LCD TV 3 days later I called up and they said it will be processed and wait for the bank's call.

In the end, no calls or updates from them and ended up the whole amount is listed in the bill statement.

wow, it's a pain...if some1 is not able to pay the amount, then the interest will be $$$...

Bro,
we're sitting on the same BOAT... i had bad banking experience with HLB also... From that day onwards, I'd NEVER consider ANY HLB products.

Yea. After that incident onwards I will not try to convert the purchases to the 0% interest free method myself. Preferably by the shop.

Its a matter of luck I guess .. but their promotion for the CC especially the Kids eat for Free is really good for family based.

i got bad experience on HLB insurance also..service really sucks..

i got HLB card, no have any problems

Mayb u lucky :S

My banking experience with HLB is always disappointing, either Over-the-counter service, Card Centre, Roadshow cc sales, account-opening, loan interest enquiry etc.

which CC do you hold with HLB ?

HUh? i thought hong leong "essential" card unavailable for registration already ??

This is what i heard from hong leong staff during the roadshow at KLCC pc fair as Hong leong are promoting their "Fortune" card thats why they close the registraion for essential card ~

yakah..mayb like that he only get others card instead of getting hl essential card..

oh, Essential card is unavailable dy? when i apply, the staff didn't tell me at all.

besides, the reason y i choose Essentaial card over Fortune card is because:

Essential card - 1% unlimited cash back. According to HLB website, it said "And there's no cap on how much you can get. The more you spend, the more cash back you get." extracted from (http://www.hlb.com.my/pfs/cc/ccessential1.jsp?flag=ccessential)

Fortune card - 1% Real Cash Earnings on your purchases* (http://www.hlb.com.my/pfs/cc/ccfortune_f.jsp?flag=ccfortune) I noticed that there is an extra symbol * there so i try to find out what are the HIDDEN terms & conditions. According to a blog, it said "in order to earn the 1% cash back one has to spend minimum RM1K/month with the card". In addition, "cash back is capped at RM50/month". extracted from (http://creditcardsmalaysia.blogspot.com/search/label/Cash%20Rebate)

So i have decided to go for the Essential card. The CS said they will investigate and call me on Monday. So i'll wait and see.

This post has been edited by ken_ng: May 7 2011, 01:01 PM

icic..juz go for others bank lo..for sure got more benefit then this 2 cards..

Essential

Bank's experience with service varies from on another. It's the people and the management that lacks the ability to control the system. Also the lack of initiative taken. Been working in few banks but then again there is always one lousy bank. Maybank. The people working in the call centre. damn lazy.

HLB already taken over EON bank, does it mean we will have the same bad CS experience later in both consumer groups?

wonder how it operate since i have 1 HLB and 1 EON bank CC. Will this 2 card merge and form 1 combine credit limit?

just wait and see?

btw TS, since ur salary is rm30k/year, better go for Maybankard2 (AMEX + MC/Visa).

the AMEX card give 5x points plus 5% cashback on weekend (max rm50/month).

the 5x points is equal to ± 2.3% cashback ~
to redeem rm50 voucher, std is 11,000 points. and to get 11,000 points u only need to swipe rm2,200.
in other words, swipe rm2,200 and u can get rm50 voucher already.
also got rm50 voucher that can be redeemed as low as 9,300 points.

better than hlb essentials 1%?

(note: i'm not maybank staff/agent! i'm just a happy mbb2 card user )

u can refer here - http://forum.lowyat.net/topic/1791925

ya bro. I already have the Maybankard 2 I use the Amex on weekend only. So i need Essential card for my weekday usage to earn cash back

as i mentioned above, even u use amex on weekdays, still equal to 2.3%

for place not accepting amex, yes hlb essential is good.

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Added on May 10, 2011, 12:30 pmeh if u dont mind using debit card, alliance plat debit mastercard give u 1.5% cashback on everything max rm60/month

This post has been edited by erry-: May 10 2011, 12:30 PM

Weekday use OCBC Titanium. 5% and 1% rebate. Isn't that better?

It is TS personal preference, never mind.

bro, thanks for suggestion. but minimum income for OCBC titanium is 36k per annum. I'm only 33k per annum so i'm not able to meet the requirement.

juz a small gap edi wat..u can go and try to apply..including ur bonus also

TS already mentioned earlier that his salary is around rm30k/year

and he repeated it again there in latest reply ~

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Added on May 11, 2011, 2:31 amand OCBC is very hard to get

This post has been edited by erry-: May 11 2011, 02:31 AM

OCBC hard to get? how u define the hard?

already post it in previous CC thread

there are few people in CC thread with clean record (no debt/loan) apply for OCBC and being rejected without any reason


This post has been edited by erry-: May 13 2011, 12:50 AM

icic..gonna have a try on this month i think

I just received a sms from HLB telling me to go to the branch to collect free Starbucks coffee voucher because my children using their HLB Junior Debit Card for iTunes account. click here to read my article on getting your child a HLB Junior Debit Card for iTunes account.

Anyway, I received a "letter" from HLB ("signed" by Yvonne Chia), wow, first time received letter signed by the CEO, haha. It says that EON Bank is now part of HLB. It also said that it will take time before they operate as a Single Bank. So for those not happy with HLB but having EON bank account, well you are supporting HLB now

Wanna ask a question on CL increase for HLB, after providing CC statement by other bank to HLB for requesting increase in CL, will they check my CCRIS?

You can just try and may stand a good chance for CL increase.

HLB is known for granting super high CL, alongside with CIMB and SCB.

There is a new card form Hong Leong - Fortune which give 1% cash back on everything. Worth to apply or is there anything else? I primary want to use for my business. Getting 1% cash back is like adding commission, very nice!

go to general thread post#2 and click on my article. After reading it decide if the Essential is better for your case.

Out of a sudden, got a call from them regarding the Cash-On-Call scheme. Normally what makes them call you ? Any specific criteria ?

I get calls from banks almost every week offering Personal Loan and BT offers.

i got call from eonbank, offering me personal loan, i said no need, then they ask i need BT or not...haha
between, HLB essential card still available to apply now??

Have anyone encountered incidents like a amount of money been frozen or deducted from your savings account and there wasn't any info stated that why is it has been deducted ?

I've tried calling Customer service few times as well as the branch outlet that I opened the account with but no one is manage to assist me on this matter.

What should I do ? Wait for it to be processed ? Its been a week.

It is odd that the branch or CS cannot give you a satisfactory answer. More like they not willing to disclose the reason. I guess you should have the right to know. Write to BNM if they fail to release your funds.

Anyway, collected my free Starbucks voucher from my HLB branch today

Thanks for the feedback. I am quite dissatisfied with the way they speak to me as well. Keep repeating the same statement that the funds are being frozen and deducted and under processing stage. But when asked for what purpose the funds been frozen, they just ignore and said they've got no idea.

Strarbucks voucher ? How to get them ? Any pre-requisites ?

being deducted? On whose instruction? You better go find out and why.

As for the Starbucks voucher, it just shows that you don't even read the posts in this thread, hahaha see amy post above.

Yea, miss that particular post ..

Correct, being deducted by what they said HQ Office but without proper reason being announced. I guess I will give them a call tomorrow again and see how it goes again.

Still didn't get back RM50 (GST) which promo launch at Jan 2011

U mean Hong Leong? That RM50 cashback only for selective new approved CC application. I feel been cheated and that is why I cancelled my Hong Leong CC last month in May

ya, HLB

i am so so regret that i am taking mortagage loan from HLBb.. any staff or management who work in HLbB.. i really wish u guys can make a feedback to yourself what the f*** service u offer to us instead we give u money but u just use number to make money!!! CDM not even until 12am already out of service. wont give any advice!!! i promise myself i will not take any loan from HLBb.. think twice for those who are new to Hlbb.. stay away from their sales rep... will move my loan to other bank soon

Please keep this thread related to credit cards only

I left my contact details with HLB at 1-800-38-8888.. but didn't get any call-back

leave online message in their interner banking if u got access

Decided to call the HLB branch closest to my home.
I received a call back after 2 hours from their CC Salesperson from that branch.

She's willing to come to my office to let me sign the CC application form.... surprise why they can accept faxed/scanned copy

wow so nice...probably worth your effort and waiting

juz forget about HLB Essential GOLD card... i got the card last few months from AlorStar branch and i cut the card into half eventhru i paid for GST d...

i got the stupid essential card bcoz the agent helped me to "applied" for it without my consent and of course , i made a mess in her career due to the RM50 matter.... dont bother to get the stupid card in my opinion....its juz not worth

hlb essential somemore need annual fees

I have bad experience with HLBB as well. It took me forever to cancel my MTV card 3 months after I called, sent in letter blah blah. Even Eon Bank was better. All I do is to call and it is automatically cancelled with a confirmation letter about a week later. Good thing I cancelled my card before the takeover. The sickness have spread to EON bank now I bet.

It has been a nightmare for me as I have been trying to cancel my Hong Leong Bank credit card ever since March 2010 and has been going on for 1 year and 5 months already. I have faxed the form and later cut the credit card into half and later with the original form delivered back to the bank. Since then, I have not received response from Hong Leong Bank on the cancellation of the credit card and yet I am still receiving the monthly statements until June. To add insult to the injury, I was slapped with a charged of RM50 government tax and late charges to my statement.

Later, I called the call center to seek clarifications and few days later I received a call from Ms. Rafidah. She gave me two options; either to hold on to credit card until the following year 24th March 2011 or I would be charged with the penalty fee of RM160. I was shocked as it seemed more like a day light robbery and I was not aware there was such penalty fee in the first place . According to her, I initially was offered 15K points to waive the tax for the credit card and that was where the penalty charge comes in if I proceed with the cancellation of the credit card. Now that I have accepted the offer for the additional points, I have no choice and forced to maintain the credit card until next year. This seems very unfair to me. I do not see the point where I have to keep the card if I do not intend to use it anyway. I even voiced out that I would complaint to Bank Negara but she challenged me by saying “you can go ahead!” Wow! These people working in Hong Leong Bank are really thicked-skin. I am truly very disappointed and dissatisfied with this kind of service provided by them. With this, it seems like there is no way I can cancel the card so I kept it and not use it until 24 March 2011.

So the day finally arrived and a week earlier, I took leave and went directly to the Hong Leong Bank KL Branch near Petaling Street to cancel the card with the bank face-to-face. This time, I filled up the form in front of the staff and seen the credit card was punched with holes before submitting to them. The following week I received a call from their customer service officer again harassing me with offers despite of declining many times. They began to offer me with a new card giving excuses that the card is not due for cancellation yet (only 7 days more to 24 March 2011 due date) and it will be posted to me soon. I was wondering when will this ever end . To me it was only a few days difference moreover, at that time I will not be able to cancel the card on/ after the 24 March 2011 as I was going overseas. Due to this, the officer finally relented and confirmed that my card was cancelled. After this, I did not receive any statements from Hong Leong Bank in the several months. I felt so relief and thought my ordeal and hassle of cancellation of credit card with Hong Leong Bank was finally come to an end. But I was wrong, just last week out of the blue I received a statement from Hong Leong Bank and I was slapped with a charged of RM50 government tax again!!! OMG!!! This is getting really ridiculous. The cycle repeats itself all over again!! When is this going to end?!?!?! How can they charged me RM50 government tax as my credit card already cancelled and I am no longer using it anymore?? Isn’t this an unethical practice? Do you think being desperate and using tactics like this can win customers hearts!?!?! It will drive them and other potential customers away even more!!!
I'm at wits end. I wonder if anyone has experienced this before. Advise needed from anyone.

go bank negara, then everything can be solve

bnmtelelink@bnm.gov.my

furnish all proofs

Why on earth that you're not allowed to cancel the CC? It's pretty ridiculous and nonsense of not able to terminate an existing CC.

That's why I never like HLB products especially with the change of management from 10 to 20 years ago. Their CC products are so confusing as well!

Fill up ur complain here E-Aduan:

http://www.nccc.org.my/v2/index.php/e-aduan

heard they acting super fast now...

@T.a.n.y.a

Which HLB CC is that?

Gold Visa CC

Even if the bank offer you free points to waive the GST & you did not sign any agreement on penalty, the bank cannot stop you from cancelling the cc.

This is the first time I heard of such bad experience with credit card cancellation.

Just before GST kicked off, I immediately cancelled my HLB Gold without having any issue like your case.

Your case is really puzzling. Simple cancellation turned out to be a nightmare for you.

Advise you to involve BNM to resolve this once and for all.

This post has been edited by milentechie: Jul 27 2011, 11:35 AM

i just cancel my maybank CC once they charge me RM50 service tax even the card is still new (about 3 months)
then they just waive the RM50 and direct cancel

i guess i'm the unlucky one...

@milentechie: May i know how long have you been using the HLB Gold CC?

Last time I used my HLB XISA Gold CC for 7 months and canceled it in March 2011, the process gone smoothly. After I canceled the card I even rewarded some spending rebate (dunno wat promotion was going on at tat time) and they transferred the rebate balance to my MBB savings accounts.

I am one of the victim too
http://forum.lowyat.net/topic/1888861/+660
Bank negara say not under their ruling.Now I dont want to hold anymore credit card...it is ah long (shark loan ) card. Bank just know how to charge and charge. They designed to aim at every single cents out of your pocket. They will silently charge annual fees, this fees and other fees into your bill, hoping you forgot to call them to waive.Cruel world

You know, i was using this CC for 8 years already....well i started off with MTV CC then HLB upgraded it to Gold CC.
i'm assuming that they didnt want to let me go and giving me a really hard time trying to cancel it....sigh!

who ask u to pay the GST? if it were me, i will ignore it and lodge a complain to BN. give them all the proof that i already ask them to cancel my card

did HLB send u cancellation letter?
did u have photocopy of the cancellation form?

scan and email to bnmtelelink@bnm.gov.my, enquiry@fmb.org.my and copy the same complaint here

TS ... and whoever else is complaining in here.
Can you guys do something instead of whining non-stop about your problems ? I have been watching since TS started and nothing has been done to correct the situation.

If I don't see anything being done to rectify the problems after all the suggestions given by the members, I'm closing this thread in 2 days.

May I asked what you did with the balance of the 15K points after deducting GST ?

When I wanted to cancel my HLB Plat back in 2010 before my anniversary date, HLB called up and offered me 20K points on condition that I keep the card for three years and that the annual fees will be waived. HLB card do not benefit me but they have been waiving my annual fees since the very beginning and I am happy with their service. So accepted their offer. Moreover, at that time, I only needed to use 7K points to offset GST and I had 5K+ points in the account, so I thought I would have enough points to offset GST for the following year and the next.

You got a better deal than me, 15K points for keeping the card for a year. And yes, it is only fair that you keep the card for a year since you accepted the offer.

Well, she is right, it is your prerogative to complain to anyone you like. And you saying she challenged you is not accurate at all since you were the one that accepted HLB offer and then making a U-turn and when things don't go your way you want to complain to BNM.

This I have to agree that HLB is in the wrong for charging RM50 GST when you have cancelled the card and did not accept their new offer. By the way, did you call HLB to clarify on this? HLB is kind of slow in updating thier system, Whenever there's an error in my statement, it would take another 2 statements before it is rectified and me calling them at least 2 to 3 times to follow up.


Well, can I suggest that you merge it with another HLB bashing thread below:

http://forum.lowyat.net/topic/1865452

I did not pay the GST but HLB offer me points to waived it...

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Added on July 28, 2011, 11:15 amThanks for the link.
So far no cancellation letter from HLB and yes i do have a photocopy of the cancellation form.

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Added on July 28, 2011, 12:07 pmThis post has been edited by T.a.n.y.a: Jul 28 2011, 12:07 PM