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 Credit Card v16, Ask general questions here, Please read the 1st post before posting!

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azam_halim
post Dec 15 2011, 12:51 PM

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cc approval is very 'abstract'..its very hard to tell bank A easily approved, bank B the hardest to get approved, etc..its different for each person, each person you apply to, each branch, etc...last time, i get approved by maybank but my colleague get rejected..we graduated from the same uni, work at the same company at the same time, with same salary and same jawatan also..i apply with agent, he go direct to bank branch...i think if really want cc, try to find the agent

This post has been edited by azam_halim: Dec 15 2011, 12:52 PM
Gen-X
post Dec 15 2011, 12:58 PM

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QUOTE(cenkudu @ Dec 15 2011, 10:41 AM)
i pay my credit card using cheque, in the first day it showed in online banking that the cheque already clear but after few days the money is credited back and it said RTD (cheque return)

I call my branch, they said no signature (although I think already sign), my question is that the cheque will be return back to me directly by the credit card issuers or to the branch where I have current account. Even my branch also could not give definite answer as well as the CS. should I ask bank to stop the cheque and issue new one
*
Well, I had cheque made to OCBC for my CC payment but I wrote the wrong date doh.gif OCBC sent the cheque back to my home.

But I also have cheque where I deposited in my RHB CASA without signature several times doh.gif doh.gif and the bank officer would call me and I would just go over and sign it.

QUOTE(cookie860217 @ Dec 15 2011, 11:26 AM)
did anyone receive SMS from Hong Leong Bank say will increase credit card limit and send a certain code with IC number to a number to confirm?

just want to ask if anyone received the same SMS as me
*
like ronnie said, interesting. Please call HLB CS (number behind your card) and confirm with them and please update here if it was a genuine SMS or not. Thank you.
b00n
post Dec 15 2011, 01:13 PM

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Dont think they will request IC. They should be requesting card number instead because line increase is on the specific card.
rayng18
post Dec 15 2011, 02:09 PM

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Yup usually they will send a letter to tell you that the cc limit has been increased. So requesting your IC to confirm seems something is not right. All my increment in CL have always via official letter including HLBank
cookie860217
post Dec 15 2011, 04:18 PM

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QUOTE(rayng18 @ Dec 15 2011, 02:09 PM)
Yup usually they will send a letter to tell you that the cc limit has been increased. So requesting your IC to confirm seems something is not right. All my increment in CL have always via official letter including HLBank
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If not mistaken BNM say cannot simply increase credit limit without informing the card members so I thought it is a new way to increase credit limit for customers

Offer customers first and ask for their approval.
solsekuin44
post Dec 15 2011, 04:39 PM

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Hi all, I did payment by using my CC.
Then I look at my statement, it shows that my card has been charged twice for the same amount.
I called Maybank, they advised me on filing a dispute. Anyone ever experienced this?

How fast will this be resolved? hmm.gif
b00n
post Dec 15 2011, 04:45 PM

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QUOTE(cookie860217 @ Dec 15 2011, 04:18 PM)
If not mistaken BNM say cannot simply increase credit limit without informing the card members so I thought it is a new way to increase credit limit for customers

Offer customers first and ask for their approval.
*
That's why I guess the new tactic is to solicit customers by the way of SMS. So once customer replied the SMS, they took it as proof that customer wants increase in line. In the event that is the new tactic, I don't think they will request for IC as well. It should be card number instead.
cookie860217
post Dec 15 2011, 06:04 PM

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QUOTE(b00n @ Dec 15 2011, 04:45 PM)
That's why I guess the new tactic is to solicit customers by the way of SMS. So once customer replied the SMS, they took it as proof that customer wants increase in line. In the event that is the new tactic, I don't think they will request for IC as well. It should be card number instead.
*
just called them and they confirmed sending the SMS. probably they want pax to confirm IC number as proof.
Gen-X
post Dec 15 2011, 06:34 PM

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QUOTE(cookie860217 @ Dec 15 2011, 06:04 PM)
just called them and they confirmed sending the SMS. probably they want pax to confirm IC number as proof.
*
thanks for letting us know.
limchee
post Dec 15 2011, 06:36 PM

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hello,

i am applying for my 1st credit card. i understand that citibank requires 3 month payslip for the application. I have lost one of my payslip, can i submit the 3 payslip which are not consecutive, eg Aug Oct Nov (Missing Sept payslip)
cookie860217
post Dec 15 2011, 07:15 PM

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QUOTE(limchee @ Dec 15 2011, 06:36 PM)
hello,

i am applying for my 1st credit card. i understand that citibank requires 3 month payslip for the application. I have lost one of my payslip, can i submit the 3 payslip which are not consecutive, eg Aug Oct Nov (Missing Sept payslip)
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better u wait for December payslip as if you get rejected because of this reason you have to wait 6 months to apply again
hye
post Dec 15 2011, 09:57 PM

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QUOTE(solsekuin44 @ Dec 15 2011, 04:39 PM)
Hi all, I did payment by using my CC.
Then I look at my statement, it shows that my card has been charged twice for the same amount.
I called Maybank, they advised me on filing a dispute. Anyone ever experienced this?

How fast will this be resolved? hmm.gif
*
Mistakes sometimes happens. Such often due to the merchant double charging you accidentally.
Yes, you should file a dispute.

How fast ? Normally takes a while and if you have sufficient documentation to proof double charging then the bank will clear the charges quickly or just wait. I would say the clearing will take between 1-3 months.

This post has been edited by hye: Dec 15 2011, 09:58 PM
TeraPox
post Dec 16 2011, 01:22 PM

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guys guys.... SCB guys called me again...

they r offering me free RM300 for Visa B Plat
and free RM300 AA vouchers for Preffered Master card...

wuts the scheme like? sounds too good to be true... free cash oo..
is there any string attached?
shiroikun
post Dec 16 2011, 01:41 PM

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QUOTE(TeraPox @ Dec 16 2011, 01:22 PM)
guys guys.... SCB guys called me again...

they r offering me free RM300 for Visa B Plat
and free RM300 AA vouchers for Preffered Master card...

wuts the scheme like? sounds too good to be true... free cash oo..
is there any string attached?
*
You cannot cancel your credit card within 6 months for the bussiness plat, i'm not sure about the WMC
TeraPox
post Dec 16 2011, 01:44 PM

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QUOTE(shiroikun @ Dec 16 2011, 01:41 PM)
You cannot cancel your credit card within 6 months for the bussiness plat, i'm not sure about the WMC
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so i get free 300 pay our beloved PM 50 bucks, then i can spend the rest?

and put the card in my fridge and cut it off after 6 months?

sounds good!

250 enough to buy me a decent meal... smile.gif
shiroikun
post Dec 16 2011, 01:51 PM

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QUOTE(TeraPox @ Dec 16 2011, 01:44 PM)
so i get free 300 pay our beloved PM 50 bucks, then i can spend the rest?

and put the card in my fridge and cut it off after 6 months?

sounds good!

250 enough to buy me a decent meal...  smile.gif
*
Yap, you can do so...and many are doing this too...including me!!! rclxm9.gif rclxm9.gif
TeraPox
post Dec 16 2011, 01:58 PM

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QUOTE(shiroikun @ Dec 16 2011, 01:51 PM)
Yap, you can do so...and many are doing this too...including me!!!  rclxm9.gif  rclxm9.gif
*
who can say no to free cash...

seems like scb is losing quite a lot in this scheme every year... smile.gif
b00n
post Dec 16 2011, 02:07 PM

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The last was when they offered the cash back where the word on the street is many canceled the card after utilizing it within 6 months time frame. wink.gif
gnne84
post Dec 16 2011, 02:55 PM

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already search for MBF but cant find any around. blush.gif so i created this thread.

just receive this card as below. tongue.gif
wan to know whether it have annual fee and government service tax waive or not? free for life?
please stated any privilege or benefit for this card if got any. rclxms.gif
i not sure the term coz my wife help me apply and i sign the paper only doh.gif

MBF also send me Bonuslink card 2days after i get this card...are they Collaborate together? hmm.gif

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shiroikun
post Dec 16 2011, 03:07 PM

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You no need to worry about the GST and the annual fee, it will totally waived for the first year. I suppose if you call up to waive everything, they will do so for the 2nd year.

The only benefit I see from this card is, you can enjoy 0% interest charges for outstanding not more than RM2000 for gold card and RM3000 for platinum card. You no need to pay full but make sure your outstanding amount don't exceed 2000 for gold

This post has been edited by shiroikun: Dec 16 2011, 03:08 PM
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