Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
122 Pages « < 42 43 44 45 46 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!

views
     
shuangping
post Aug 23 2012, 11:15 PM

Getting Started
**
Junior Member
201 posts

Joined: Aug 2012
QUOTE(hye @ Aug 23 2012, 10:10 PM)
Do you have an idea what is Diners Club card ? If you do then you wouldn't be posting here.
And if you are clueless then obviously you should not be applying / considering it.

First rule ... understand what you are signing up for.
Second rule ... Initial info do it on your own effort and not by being spoon fed in here.


Added on August 23, 2012, 10:13 pm

Why not ? I receive such all the time with no issues. Card is often deactivated and require activation before initial use.
Poslaju will use secure docket/plastic which is tamper proof and can only be received by the person printed on the docket.
*
please dun said like this.

do u understand english?
if i hv any idea for this card,then i not need ask here!!!

and please respect ppl!!!!!!

what is this post for?is for general question for credit card,so i hv right to ask any question!

if you dislike,you can choose not answer,not mean you can scold ppl here!!

respect ppl you oso dunno,mean you more clueless!!!!!!!
Frostlord
post Aug 24 2012, 10:27 AM

Regular
******
Senior Member
1,723 posts

Joined: Jun 2007


QUOTE(hye @ Aug 23 2012, 10:26 PM)
I have to add that sometimes CS (+bank) are not prepared for special cases. For instance, where a customer require urgent attention while overseas.

1. Customer may be in a different time zone so it is not very easy to place another call. It is critical the problem need to be solved right there and then + quickly. Customers need to take caution of banks which practices temporary shutdown of their systems at midnight coz it might impact you in a different time zone + you are very vulnerable at that time.
2. Limited access to phone. Not everyone has roaming activated.
3. Roaming / International calls are very expensive. CS + banks take their sweet time to answer + response.

It is a shame coz it all goes back to poor CS mentality in Malaysia and no way we are comparable to some developed countries in terms of services. Countries such as South Korea will have a different approach + attitude to customer service altogether.
Sorry folks, no malice intended but I'm just speaking upfront from my mind.
*
QUOTE(cutejams2004 @ Aug 23 2012, 10:43 PM)
True, i too have had to escalate numerous times when I deal with Malaysian CS. But then again, I think it is only right for one to be reasonable. Like for example, if we know there would be a temporary shutdown at night, then why still call the bank and create a havoc at that time (although we might be overseas)- wouldn't it waste our time and money as well? These are limitations due to the bank's system and making noise at the CS or even the manager would not solve anything. Another example would be people who shout at the CS for their own mistakes - experience from seeing my own relatives shouting on the phone at the CS. They pay late/ have their CC barred and then call up the bank and screw the CS. Even heard my aunt telling the CS that if the bank wants her to pay, get someone to go down to her place since there's no CDM/branches nearby doh.gif  She threatened to also cancel all her banking relationship with the bank if it happened further unsure.gif  Poor CS- whoever it was. Well since they are my relative (aunts/uncles), I can't really tell them off, but I wonder when Malaysians would change their mentality when speaking to CS. Anyway, my personal worst experience with CS would be Citibank vmad.gif  They never fail to give me a different answer everytime I call up (on the same issue).
*
i forgot to mention that i am in Malaysia. the nearest PBB branch is 5 minutes drive away. its true that i called around 12am but im calling their 24-7 "hotline" number. if they cant answer my phone or doesnt like ppl to call them during that hour, please remove "operating hour = 24 hours" from their website. the bank paid the CS to answer call 24hours a day. and they dont work 24 hours, CS working hours is based on shift

https://www.pbebank.com/en/features/contactus.html

HSBC CS can do this. as long as i can identify myself via their verification system and question.

or are you telling me that a big bank like Public Bank open a 24-7 CS department just to reset password?

furthermore my case is just to check on my account because my password had been changed without my consent. it could probably be hacked.

This post has been edited by Frostlord: Aug 24 2012, 10:31 AM
LostAndFound
post Aug 24 2012, 12:56 PM

Look at all my stars!!
*******
Senior Member
6,266 posts

Joined: Jul 2005
From: UEP Subang Jaya



QUOTE(shuangping @ Aug 23 2012, 11:15 PM)
please dun said like this.

do u understand english?
if i hv any idea for this card,then i not need ask here!!!

and please respect ppl!!!!!!

what is this post for?is for general question for credit card,so i hv right to ask any question!

if you dislike,you can choose not answer,not mean you can scold ppl here!!

respect ppl you oso dunno,mean you more clueless!!!!!!!
*
Boss, I teach you, got this magic website, its called google.com......

Those who post lazy question wasting people's time is the one that need to learn respect, LYN is not your maid.

And I ROFL at your question, you din even ask in the right place.
cute_boboi
post Aug 24 2012, 02:12 PM

° 忍 °
*******
Senior Member
6,462 posts

Joined: Nov 2004
From: [Latitude-N3°9'25"] [Longitude-E101°42'45"]


QUOTE(shuangping @ Aug 23 2012, 11:15 PM)
please dun said like this.

do u understand english?
if i hv any idea for this card,then i not need ask here!!!

and please respect ppl!!!!!!

what is this post for?is for general question for credit card,so i hv right to ask any question!

if you dislike,you can choose not answer,not mean you can scold ppl here!!

respect ppl you oso dunno,mean you more clueless!!!!!!!
*
Here it is, kiddo doh.gif

shakehead.gif

QUOTE(LostAndFound @ Aug 24 2012, 12:56 PM)
Boss, I teach you, got this magic website, its called google.com......

Those who post lazy question wasting people's time is the one that need to learn respect, LYN is not your maid.

And I ROFL at your question, you din even ask in the right place.
*
Spooning him, TGIF laugh.gif

BTW, Diners Club do have Credit & Charge card now wink.gif In a way, it is 50% in correct thread.

This post has been edited by cute_boboi: Aug 24 2012, 02:12 PM
zulhisyamr
post Aug 24 2012, 02:50 PM

Getting Started
**
Junior Member
234 posts

Joined: Feb 2011
RHB travel money credit card....look intresting..for petrol:5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide..also got airmile point...anyone here have use this card??
Gen-X
post Aug 24 2012, 02:55 PM

Lifetime LYN Member
Group Icon
Elite
8,601 posts

Joined: Jan 2003
From: KL

QUOTE(zulhisyamr @ Aug 24 2012, 02:50 PM)
RHB travel money credit card....look intresting..for petrol:5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide..also got airmile point...anyone here have use this card??
*
Better you go read the terms and conditions for the Petrol Cash Back and understand them before you sign up for it. Don't want you come back here and complain you got cheated like thomas, see post #723. And check my blog next week where I will be publishing an article on RHB Credit Cards.

This post has been edited by Gen-X: Aug 24 2012, 02:56 PM
zulhisyamr
post Aug 24 2012, 03:02 PM

Getting Started
**
Junior Member
234 posts

Joined: Feb 2011
QUOTE(Gen-X @ Aug 24 2012, 02:55 PM)
Better you go read the terms and conditions for the Petrol Cash Back and understand them before you sign up for it. Don't want you come back here and complain you got cheated like thomas, see post #723. And check my blog next week where I will be publishing an article on RHB Credit Cards.
*
Orite..tq bos..
b00n
post Aug 24 2012, 04:27 PM

delusional
Group Icon
VIP
9,137 posts

Joined: Jun 2007
From: Wouldn't be around much, pls PM other mods.
QUOTE(shuangping @ Aug 23 2012, 11:15 PM)
please dun said like this.

do u understand english?
if i hv any idea for this card,then i not need ask here!!!

and please respect ppl!!!!!!

what is this post for?is for general question for credit card,so i hv right to ask any question!

if you dislike,you can choose not answer,not mean you can scold ppl here!!

respect ppl you oso dunno,mean you more clueless!!!!!!!
*
Diners has their own transaction network where of course they have their own card as well as alliance with other banks to offer their card using their network.

Look at is as in the same form as Visa, Master, Amex. More exclusively you can compare them to Amex.

However the cons are not many retailer carries diner's network. So quite useless card in Malaysia if you ask me. Similar to Amex previously, but Maybank is already helping to boost Amex presence.
fly126
post Aug 24 2012, 06:30 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012



QUOTE(zulhisyamr @ Aug 24 2012, 02:50 PM)
RHB travel money credit card....look intresting..for petrol:5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide..also got airmile point...anyone here have use this card??
*
I'm using RHB Travel MoneyCredit Card Now...
For New RHB Card- They give back $50 Cash Back on GST on Their CASH BACK PROMO- 1st Spend
I have 3 Cash Back(GST) with 3 different cards with RHB so far... rclxm9.gif
The GST Cash Back will credit back to your account within 3 months rolleyes.gif
But, if U cancel the card within 1 year, the bank will charge back their GST blink.gif
& NO Annual Fee with min. 12x swipes per year
Quite O.K about RHB Card , got many promotion now...
RHB Friday Special (Buy 1 Free 1 Promotion) at Sushi King, Starbucks, Popular & GSC
U Can have a Check on it.... brows.gif Their Hot Cake: Travel Money Card (Cash Back+Reward Point)
SUSPink Spider
post Aug 24 2012, 06:34 PM

Formerly known as Prince_Hamsap
********
Senior Member
16,872 posts

Joined: Jun 2011


Any EON/HLB card users here?

Last time round, EON gives Cash Back of RM50 to offset GST if u swiped the card for at least 24 times a year (IF my memory doesn't fail me). Is this still applicable? My card anniversary is in May, that was in the early stages of EON-HLB integration. I got that RM50 Cash Back.

Just wondering whether those with card anniversary later than mine still getting that RM50 Cash Back.
fly126
post Aug 24 2012, 06:52 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012



QUOTE(Pink Spider @ Aug 24 2012, 06:34 PM)
Any EON/HLB card users here?

Last time round, EON gives Cash Back of RM50 to offset GST if u swiped the card for at least 24 times a year (IF my memory doesn't fail me). Is this still applicable? My card anniversary is in May, that was in the early stages of EON-HLB integration. I got that RM50 Cash Back.

Just wondering whether those with card anniversary later than mine still getting that RM50 Cash Back.
*
The $50 Cash Back was for NEW Approved Credit Card (1st year) only... smile.gif
In 2nd Year, we just got Annual cash back base on your yearly expenses.
myself only got $5-$6 Cash Back, because just use the card for MOVIE only sweat.gif

This post has been edited by fly126: Aug 24 2012, 06:54 PM
SUSPink Spider
post Aug 24 2012, 06:54 PM

Formerly known as Prince_Hamsap
********
Senior Member
16,872 posts

Joined: Jun 2011


QUOTE(fly126 @ Aug 24 2012, 06:52 PM)
The $50 Cash Back was for NEW Approved  Credit Card (1st year) only... smile.gif
In 2nd Year, we just got Annual cash back depends on your yearly expenses.
myself only got $5-$6 Cash Back, because just use the card for MOVIE only sweat.gif
*
Nonono

I'm holding EON-GSC card, had it for a few years already. It's a CB specifically to offset GST, i.e. either RM50 or nothing at all, credited to you on exactly the same billing month as the GST.
fly126
post Aug 24 2012, 07:06 PM

Lousy One
*******
Senior Member
4,404 posts

Joined: Jun 2012



QUOTE(Pink Spider @ Aug 24 2012, 06:54 PM)
Nonono

I'm holding EON-GSC card, had it for a few years already. It's a CB specifically to offset GST, i.e. either RM50 or nothing at all, credited to you on exactly the same billing month as the GST.
*
Not sure about that..
Last time was EON Bank, Now Hong Leong Bank
maybe diffferent bank difference(style) policy...??? blink.gif

This post has been edited by fly126: Aug 25 2012, 02:29 AM
hye
post Aug 24 2012, 09:15 PM

White Tiger
Group Icon
Moderator
3,395 posts

Joined: Dec 2007
From: 서울, South Korea
QUOTE(shuangping @ Aug 23 2012, 11:15 PM)
please dun said like this.

do u understand english?
if i hv any idea for this card,then i not need ask here!!!

and please respect ppl!!!!!!

what is this post for?is for general question for credit card,so i hv right to ask any question!

if you dislike,you can choose not answer,not mean you can scold ppl here!!

respect ppl you oso dunno,mean you more clueless!!!!!!!
*
Most of the guys here also echo my statement. You need to respect yourself and equip yourself with some basic knowledge of what Diners Club is. You are not being respectful to any by the seniors here by asking to be spoon fed like a baby / kid. If you can come here then you'll know how to use Google, Yahoo, Naver and a whole bunch of search engines. You really and absolutely can't find anything on Diners ? I can understand English perfectly well ... I'm just worried about your wrong spelling, bad grammar, questionable writing style (not thinking as an English speaker) and use of improper English which much said be said if you want to compare English proficiency levels.

You need to have self awareness of financial products - read it up from the sites. Asking in forum and you'll get all sort of answers which may mislead you. Ask a Diners lover and you'll get the best answer in the world ... ask a Diners hater and you'll get the exact opposite. Do you understand what you need and expect from the card ? Are you aware financial products - debit, credit and charge cards target specific needs ? You didn't even say what you expect - the best for someone else might be the worst for you. And if your knowledge is totally 0% about the product then how do you expect to understand what we are talking / synonyms used to explain to you about the product ?

The same way these financial products target specific needs - all of the sections in this forum give specific answers to a particular problem. Especially in the "Recommend a card section" where one need to specify specific answers else you'll get general answers. Special note - we (thanks to all the many TS) / they compile FAQ in the first few posts of any threads - one just need to spend time reading it and about 70%-80% (if not more) of your queries will be answered. I appreciate the many contributors for their time and contribution and to reciprocate - I have ZERO tolerance in spoon feeding kids + brats who browse the many sections looking for answers just by asking and not making efforts to read the contributors contribution.

For example, OCBC cards is one of the hottest card in this forum (hundreds if not thousands of fans for this product) but I'm not interested in it as it give me minimum / mismatch of benefits. There's nothing wrong with the product but the product does not matches my needs. I'm not wrong to say this and many here will agree on this example.

Your answers just echos the many trends all over the world for typical kids who want answers to come their feet just because they ask. I know what Diners Club is and that's why I told you off for posting in here because you are in the wrong section. Come here and ask detailed questions about the product and we don't mind - we know you put in effort. Come in here and just ask - you didn't put in any effort and you want me (or anyone here) to respect you ? Honestly ... ask anyone whether you deserve any. If you still want answers your way then go to other forums which will accomodate your request including your demand to be respected just because you ask.

You need to rethink your mindset if you want to help the country to evolve. If you remain what you are then .... it's your own loss and all the best + good luck with your attitude.

This post has been edited by hye: Aug 24 2012, 10:37 PM
TSOM
post Aug 25 2012, 11:23 AM

Look at all my stars!!
*******
Senior Member
2,145 posts

Joined: Mar 2009
From: 1BORNEO
A few years ago salesman used to apply credit cards for customers without the need of a payslip as long as they hold other credit cards for a year or so.. Are they still doing this now?
Human Nature
post Aug 25 2012, 11:49 AM

- student of human nature -
*********
All Stars
26,532 posts

Joined: Jan 2003
QUOTE(TSOM @ Aug 25 2012, 11:23 AM)
A few years ago salesman used to apply credit cards for customers without the need of a payslip as long as they hold other credit cards for a year or so.. Are they still doing this now?
*
Not allowed under Bank Negara ruling anymore.
whyee
post Aug 25 2012, 06:30 PM

Getting Started
**
Junior Member
88 posts

Joined: May 2012
QUOTE(TSOM @ Aug 25 2012, 11:23 AM)
A few years ago salesman used to apply credit cards for customers without the need of a payslip as long as they hold other credit cards for a year or so.. Are they still doing this now?
*
Sure, guarantee 100%, CANNOT.

There is this customer service relations asked/promoting a 5% rebate for petrol, credit card. Since i dont have a petrol rebating credit card, i dont mind getting one.
i replied, i dont have any documents (payslips) with me, but i have more than 100k in that same bank. And the CS, replied due to bnm regulations this year, even you have back up 100k, also cannot.
Btw, who brings their payslips everytime to the bank. not that you will know in advance, you'll want a card from their bank.

Of course, i did not show the banker, the other 'infinite' 'world' and m2card plats and some other plats in my pocket.

For security purposes, DO NOT use your previous cards to apply for new ones. Who knows your card details are being revealed to how many parties and personnels. Kudos for bnm to stop the card to card application.

So in short, having 100k in a particular same bank doesnt get you a card.

Gen-X
post Aug 25 2012, 06:53 PM

Lifetime LYN Member
Group Icon
Elite
8,601 posts

Joined: Jan 2003
From: KL

QUOTE(whyee @ Aug 25 2012, 06:30 PM)
Sure, guarantee 100%, CANNOT.

There is this customer service relations asked/promoting a 5% rebate for petrol, credit card. Since i dont have a petrol rebating credit card, i dont mind getting one.
i replied, i dont have any documents (payslips) with me, but i have more than 100k in that same bank. And the CS, replied due to bnm regulations this year, even you have back up 100k, also cannot.
Btw, who brings their payslips everytime to the bank. not that you will know in advance, you'll want a card from their bank.

Of course, i did not show the banker, the other 'infinite' 'world' and m2card plats and some other plats in my pocket.

For security purposes, DO NOT use your previous cards to apply for new ones. Who knows your card details are being revealed to how many parties and personnels. Kudos for bnm to stop the card to card application.

So in short, having 100k in a particular same bank doesnt get you a card.

*
RM100K in a particular bank maybe cannot get you a credit card automatically but with Premier Banking Status (starting from RM200K deposit), sure can smile.gif

Click here to read my article Premier Priority Privilege Banking Account and see what card you can get automatically without submitting any pay slip wink.gif
TSOM
post Aug 25 2012, 07:19 PM

Look at all my stars!!
*******
Senior Member
2,145 posts

Joined: Mar 2009
From: 1BORNEO
QUOTE(Gen-X @ Aug 25 2012, 06:53 PM)
RM100K in a particular bank maybe cannot get you a credit card automatically but with Premier Banking Status (starting from RM200K deposit), sure can  smile.gif

Click here to read my article Premier Priority Privilege Banking Account and see what card you can get automatically without submitting any pay slip wink.gif
*
I tried with HSBC though, it didn't work. sad.gif


Added on August 25, 2012, 7:28 pm
QUOTE(Gen-X @ Aug 25 2012, 06:53 PM)
RM100K in a particular bank maybe cannot get you a credit card automatically but with Premier Banking Status (starting from RM200K deposit), sure can  smile.gif

Click here to read my article Premier Priority Privilege Banking Account and see what card you can get automatically without submitting any pay slip wink.gif
*
Their passport holder very nice oh .. drool.gif

If you have extra and you don't want me, please donate me one.... please sad.gif

This post has been edited by TSOM: Aug 25 2012, 07:28 PM
whyee
post Aug 25 2012, 07:46 PM

Getting Started
**
Junior Member
88 posts

Joined: May 2012
[quote=TSOM,Aug 25 2012, 07:19 PM]
I tried with HSBC though, it didn't work. sad.gif

i once had a cimb cs offering their visa infinite. Pledge 100k, with service charge 0.5%(rm500). Credit limit 100k.
i did not take it though.

you have to call them, if you're interested.

122 Pages « < 42 43 44 45 46 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0268sec    0.83    6 queries    GZIP Disabled
Time is now: 17th December 2025 - 01:45 PM