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

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 am

ya, 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 am

yup, 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!!! 

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

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

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