The new offer is RM50 per approved principal cardholder... also a chance to win a Sony DSLR

http://www.hlb.com.my/promo/pfs/cc_capture...n.pdf?s=ccpromo

those "Stand a chance to win XXXX when you XXXXXX" kind of promo I don't bother one.

Same here... Interested in the GUARANTEED Free GST + Free Annual Fee only

Citibank and SCB are still reluctant to publish the condition of annual fee waiver. Chicken.
Wasting cardmembers' time and $$ to call CS. D*mn.

As long as SCB/Citibank waive it, I don't mind calling them once a year.

If it happens that the bank refuses to waive AF, you have to redeem all the points before cancel the card, so hassle.

Very true... thus I hate Citibank , love-hate SCB

SCB got Platinum toll-free, still OK for me.
Citibank hotline is not toll-free

when do you guys call for the annual fee waiver, before or after it appears in the statement? Abit risky if calling them after...

Usually right after it's posted on the Statement

let's say the request for waiver is not granted and we decide to cancel the card. Do we still need to pay the AF?

the AF is an upfront fee for next year usage.
That means, if you do not want to use the card anymore, you are not obliged to pay AF.

I received a call from AEON to offer me a credit card due to my outstanding payment record with them previously..

btw previously i used to have Citibank visa card but i already cancelled since i seldom using it as i always prefered CASH.


just wondering shud i accept the offer from AEON or reject it?

Anyone opinion on this matter will be helpfull, ty..

REJECT.
However, it is up to you coz everyone here knows I hate this card provider to the bone.

Safe to say there are better cards out there should you really want to hold a CC. Why dont you list down your requirements in the pinned card recommendation thread and some sifu will advise accordingly

Make sure you do not have outstanding balance after the anniversary date. For me, I would clear off my points and stop using the card one month before the anniversary date so that if I want to cancel the card, it can be done on the spot.

What about GST? It is charge upfront too. Can we do the same i.e. call after chage and if can't get waive then cancel it without paying it?

u should cancel before its being charged. after it got charged, its risky

I just got my AMEX Gold Charged Card statement and they imposed GST. So called CS and told them that I cancelled it 2 months back but their system did not show. Anyway, the CS said will cancel the card again and reverse the GST charges.

That mean u're cancel 1st b4 impose on GST. It is safe, but how about charge then only cancel? Anyone experience before?