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

It is TS personal preference, never mind.

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.

Thread merged. All the best to T.a.n.y.a to solve the issues with HLB.

That's what happened to Southern Bank / CIMB credit cards back then. With the exception of the Direct Access brand which were retained.

Well ... my personal take is that credit card business has never been one of HLB's strength. EON was better at this although they could not beat the offers from MBB and CIMB.

Remember Southern Bank before CIMB took over ? Southern Bank was better in their credit card business and Direct Access products were changing the credit card landscape in Malaysia. CIMB credit card back then was ... OMG.

Look at it today. FYI, CIMB credit card business is headed by ex Southern Bank credit card chief after it was merged. Come back to HLB ... well HLB got to be smart lah.

Whether anyone here choose to support HLB / EON cc products then up to you. Not happy then just jump over elsewhere and don't let the bank bully you. I am rather speechless reading HLB CS customer retention methods. They'll probably wake up when they lose customers like hell but don't be surprised if they choose to ignore the cc market to concentrate on other segments of their business offerings.

This post has been edited by hye: Sep 6 2011, 08:00 PM

Yup (probably) ... that's what normally happens when business dips.
Especially when the BNM enforcement / implementation of the credit card limit is just around the corner. The GST implementation itself caused a dent in the market.

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 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.

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.

@To Everyone in this thread.

We allow discussions but if this thread kept on getting users (Post#242 is one such example) who do not hesitate to use vulgarities and etc, I will immediately close this thread.

You can express your anger minus the vulgarities. I have mentioned the no tolerance to such nonsense in the section T&C.

Personally if you all have issues with the bank, just close your account and move it to another bank. There are even legal avenues (e.g BNM) who will act upon a valid complaint ... throwing vulgarities here will not solve the problem.

This post has been edited by hye: May 8 2012, 09:29 PM

Retail interest is charged by the bank based on the outstanding balance after the settlement date has past.
Late charges is a fee/penalty and not an interest because the value is fixed and not based on the outstanding amount.

If anyone still not clear what is late fees or interest ... please ask me or any of the seniors in this forum.

Yup ... I totally agree with you. If the product cannot make it then just cancel it and no need to feel heart pain.
Keeping the card just because don't want to queue @ GSC is just a lame excuse ... the guy still need to queue for just about everything else in life so what's so great about the card ?

In case anyone didn't know who is she
- Formerly from Southern Bank and was in charged in the credit cards division. Southern Bank credit cards was more well known back then as compared to CIMB credit cards. In fact, nobody wanted CIMB credit cards back then.
- Established the "Direct Access" brand and perhaps the first card in Malaysia which was promoting the "Free For Life" AF concept. In fact other cards products emulated this concept.
- Post CIMB acquisition of Southern Bank, the CIMB credit card brand grew to what it is today. I believe, I need not give any introduction to this.

As Ronnie mentioned, let's see what she will do with HLB credit cards but it won't be overnight. Probably the first thing she'll do is to make the product simpler to the customer, brand strengthening, customer support and promotional collaboration. All of these 4 areas are what HLB lacking and very weak today.

Probably she won't ... I'd expect this forum not to be taken seriously by professionals.
I'm sure she could figure out the problems and the probably transformation required to turn things around. It would depends on the bank as well on how they want to grow this business segment. For example, public has high esteem of Public Bank for their banking / loans needs but when it comes to credit card ... well, it would appear they are not among the strongest providers among the banks in Malaysia.