Just something to share, stand chart CC took me 6 mths to receive to my hand.

1) I tell them must send to my current place but was insisted to be send back hometown which is 300km away.
2) The system will cancel the card if not active in 1 wk if not wrong.
3) Instructions given that will come and collect the card at branch was not follow, so need rerequest.
4) The CC card must be receive personally by the card requester.
5) The customer service and staff r very lansi, because they oversea bank.
6) Government service tax was waive and a lot of funny excuses
7) ATM machine claims to run 24 hours not working

So, what so good about stand chart card....

11 000 points for GST, there many other banks is much lower than tat...

R u going to spend yearly 11k? Logical?

This is the real experience above....maybe u guys here are to good so will not experience the above....

Not really, CIMB Direct Access is 10k also but the can claim at 5k point = RM25, 2.5K point get RM12.50

HLB if not wrong is less than 10k points, around 8k or 9k if i not remember wrong....

thanks for your information....
Anyway canceling CIMB this yr b4 GST no more points d, just redeem the balance then bye bye CIMB

HLB no more need the points, now using Fortune Card. I wonder how to redeem the balance almost 7k points left from previous cards......

Depends la got chance try again,since u say std chrt card good ? any card better then UOB platinum 1 card?

This post has been edited by NewGUY: Aug 11 2011, 01:47 PM

thanks, bro but never met the agent....

Maybank walk in is it?



Just asking, wat do u think of HLB Fortune?

It gives 1% cashback and if the cashback not withdraw, then they give interest based on 3 months FD interest (current interest 3.9%)...

So far spend d, now waiting for 2nd statement to c the interest....

Besides the CSR sucks in follow up things just need to push a bit, others ok la....

Hmm, my fren recommended.Looks he got fool by ads also.Cost never c the comparison, nvm.

I ll maintain spending if possible for 1K, then slowly divert to UOB la....

Only use for 2 mths....actually like to use the BT, convenient...


Is there other bank just by call? I know citibank got but I do not want use that card.....

Maybe next cancel HSBC, need to maintain 200 to get rebate 6%....

and cancel AMB after promotion end or kenot get the cash back.....

By the way, opt for Maybank lo....

Insurance, phone bills,petrol and etc easily 1K....

I know HLB and Citi really cash on call however RHB still need to fax back form so is not cash on call. Others did not try...

If have I would not have cancel my Tesco RHB yesterday....

After cancel, the rest of the cards 1st then go for MBB lo. HSBC on the way, AM bank waiting to get the GST back, CIMB kumpul a point bout maybe another 1500 till April 2012...

HLB will cancel if good cash on call la. I tried CitiBank, I still prefer HLB cash on call and the last CSR does a good job ....

is base on their bank FD rate which fluctuate, tat time was 3.9%....

if rate goes up then better lo....

ok, cancel my just approved HSBC.....

2 more to go which is AMB CC and CIMB DA CC....

after this go MBB, i come....

This post has been edited by NewGUY: Aug 11 2011, 10:30 PM

thanks for your advice....
no points d, if they wave me, i consider la.

Need to pay GST and card expire also.....

But that promotion not permanent, I think.....

---

Added on August 12, 2011, 4:10 pmRHB call and waive GST and annual fee and ask me the RHB Tesco for 1 more 1 yr....

@gerrardling
RHB do not have cash on call. It is call easy cash, interest 8% per yr 1 time charge.

Still expensive than HLB is 0.5% per month for 6 mths and reducing balance...
Normally, before the due, I already settle left less than RM 10....

Got lower than tat tell me.....

This post has been edited by NewGUY: Aug 12 2011, 04:10 PM

Difficult difficult just cancel la....

Pump RM10.00 la for car...I ride motor I also pump with CC,I tried pump less than RM1 before, haha....

I pump petrol car and motor, a month minimum also RM 150.00....

---

Added on August 18, 2011, 9:56 amBTW, u need ask there any minimum amount to swap....

Some oni say 3X but did not tell u got minimum or not....

This post has been edited by NewGUY: Aug 18 2011, 09:56 AM

If got then shoot them to the max and remember get all CS name bcos when ask for discrepancy they will ask who say 1...



I experience before with too many CS, each CS say different thing....in the end, i got into a lot of mafan....

black listed for canceling CC within 6 mths with same bank or with other bank or ?

Please kindly explain.....

When no bussines, anything also can.....

ya but my case is last time got the promotion tat giv RM 100 after activation.

However, when I ask for GST waiver, then CSR told me tat already given the RM 100 as waiver for 2 yrs.....

So, is it really free cash? But now, maybe is more competitive so I guess like my case will not happen....

As a result, I cancel my CC...