The only proof they got is the phone call for verification.
Nvm, i cancel both of the card d...
Thanks anyway.
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 Aug 30 2012, 10:41 PM
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Newbie
4 posts Joined: Aug 2012  
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Aug 30 2012, 11:14 PM
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All Stars
26,532 posts Joined: Jan 2003
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QUOTE(bylone @ Aug 30 2012, 10:41 PM) The only proof they got is the phone call for verification. i will still lodge a complain to Bank Negara, too many deceiving agents around. Need to teach them a lesson.Nvm, i cancel both of the card d... Thanks anyway.  |
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Aug 31 2012, 12:23 AM
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Senior Member
4,404 posts Joined: Jun 2012 
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Edited..
 sorryThis post has been edited by fly126: Aug 31 2012, 12:33 AM |
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Aug 31 2012, 08:48 AM
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Junior Member
247 posts Joined: Jan 2006 
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QUOTE(fly126 @ Aug 24 2012, 06:30 PM) I'm using RHB Travel MoneyCredit Card Now... err, is the cash back promotion still on? I thought it's over.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...  The GST Cash Back will credit back to your account within 3 months  But, if U cancel the card within 1 year, the bank will charge back their GST  & 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....  Their Hot Cake: Travel Money Card (Cash Back+Reward Point) |
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Aug 31 2012, 10:15 AM
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Junior Member
88 posts Joined: May 2012
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QUOTE(Gen-X @ Aug 30 2012, 10:19 PM) When you cancel the card, did you ask that the GST be cancelled too? Anyway call CS and tell them you were conned and see what they can do. If they not willing to waive, then I suppose you can lodge a complain with BNM. The banks should change the application format.But, it is your fault for being negligent and not ticking on the application form what card you want. Luckily the agent the did not tick on all the cards  Instead of ticking for what the applicant wants, they should implement crossing off what the applicant doesnt want. This way, there would be no forgery, for example, the agent, ticking for extra card applications. |
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Aug 31 2012, 10:23 AM
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Elite
8,601 posts Joined: Jan 2003 From: KL
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QUOTE(whyee @ Aug 31 2012, 10:15 AM) The banks should change the application format. Yah, what you mentioned is possible. So, ask for a copy of the signed application form for your records (they need to photocopy your IC right) or take a photo of the application form with your smart phone Instead of ticking for what the applicant wants, they should implement crossing off what the applicant doesnt want. This way, there would be no forgery, for example, the agent, ticking for extra card applications.  |
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Aug 31 2012, 05:17 PM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(leowjc @ Aug 31 2012, 08:48 AM) err, is the cash back promotion still on? I thought it's over. Still Continue... just have Cash Back (gst) Credit back on 08/2012 Bank Statement... |
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Aug 31 2012, 06:34 PM
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Junior Member
48 posts Joined: Jul 2007
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Hi wanna ask if my cc application was not approve can I appeal for it?
btw last time the agent not a really responsible one..... |
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Aug 31 2012, 07:00 PM
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Elite
8,601 posts Joined: Jan 2003 From: KL
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QUOTE(dig_dug @ Aug 31 2012, 06:34 PM) Hi wanna ask if my cc application was not approve can I appeal for it? Yes, you may appeal if you know the reason why it was rejected and you need to justify why you should be given the card.btw last time the agent not a really responsible one..... |
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Aug 31 2012, 07:43 PM
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Junior Member
48 posts Joined: Jul 2007
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but I don noe the reason I tried call the customer service to ask for the reason but they say cannot reveal....
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Sep 1 2012, 09:12 AM
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Moderator
3,397 posts Joined: Dec 2007 From: 서울, South Korea
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QUOTE(dig_dug @ Aug 31 2012, 07:43 PM) but I don noe the reason I tried call the customer service to ask for the reason but they say cannot reveal.... Yes CS will say that and they are supposed to reply you in that format.Questions 1. What card did you apply and what type ? 2. Did your income qualify ? 3. How much commitments do you have ? 4. How many card do you have ? 5. Any problems with your personal financial history ? I don't want anyone reading your posting, thinking it is alright to appeal just because application did not go through. Sometimes there's a mismatch between the qualifications and the application, so card will not be approved - accept it. Credit card approval are tighter these days. |
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Sep 1 2012, 11:42 AM
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Junior Member
48 posts Joined: Jul 2007
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QUOTE(hye @ Sep 1 2012, 09:12 AM) Yes CS will say that and they are supposed to reply you in that format. the send a letter to me say my application not approve and the reason will not be disclose due to privacy something....Questions 1. What card did you apply and what type ? 2. Did your income qualify ? 3. How much commitments do you have ? 4. How many card do you have ? 5. Any problems with your personal financial history ? I don't want anyone reading your posting, thinking it is alright to appeal just because application did not go through. Sometimes there's a mismatch between the qualifications and the application, so card will not be approved - accept it. Credit card approval are tighter these days. currently no any CC i think no personal financial problem |
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Sep 2 2012, 01:54 PM
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Junior Member
464 posts Joined: Jun 2011
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I would like to ask regarding cash advancement, if i withdraw amount of cash within the credit limit, and i repay it back after one week , should i subject to interest? If so how it charge?i using citibank clear card
Thx |
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Sep 2 2012, 02:13 PM
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All Stars
26,532 posts Joined: Jan 2003
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QUOTE(AgnesB @ Sep 2 2012, 01:54 PM) I would like to ask regarding cash advancement, if i withdraw amount of cash within the credit limit, and i repay it back after one week , should i subject to interest? If so how it charge?i using citibank clear card Cash Advance 5% of cash amount (min RM 20) and 18% per annum daily interestThx |
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Sep 2 2012, 07:41 PM
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Junior Member
27 posts Joined: Jan 2012
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Hi..
I'm not working in private/gov sector, just run a small homebased business. Registered enterprise business and got current account (opened on April 2012) Wanted to buy an iphone+plan from maxis via EPP plan. Can I apply for credit card? What is the criteria? and based on the company bank statement I had, how do I self-check whether I can apply the CC? |
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Sep 2 2012, 08:45 PM
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Elite
8,601 posts Joined: Jan 2003 From: KL
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QUOTE(PetGrass @ Sep 2 2012, 07:41 PM) Hi.. I guess the first requirement besides needing to be 21 years old, you need to meet the minimum income requirement of RM24K.I'm not working in private/gov sector, just run a small homebased business. Registered enterprise business and got current account (opened on April 2012) Wanted to buy an iphone+plan from maxis via EPP plan. Can I apply for credit card? What is the criteria? and based on the company bank statement I had, how do I self-check whether I can apply the CC? Go ask your bank if you can apply for one based on your current account. |
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Sep 2 2012, 09:13 PM
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Senior Member
1,488 posts Joined: Oct 2009
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CIMB had terminated it's JCB card starting from September ....
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Sep 3 2012, 09:47 AM
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Junior Member
247 posts Joined: Jan 2006
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QUOTE(fly126 @ Aug 31 2012, 05:17 PM) Still Continue... just have Cash Back (gst) Credit back on 08/2012 Bank Statement... do you mean there is no more cash back for petrol? |
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Sep 3 2012, 10:26 AM
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Senior Member
941 posts Joined: Aug 2008 From: in a place called the "world"
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QUOTE(AgnesB @ Sep 2 2012, 01:54 PM) I would like to ask regarding cash advancement, if i withdraw amount of cash within the credit limit, and i repay it back after one week , should i subject to interest? If so how it charge?i using citibank clear card Do you really need to do a ash advance? Avoid it at all cost if you canThx |
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Sep 3 2012, 11:27 AM
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Senior Member
4,404 posts Joined: Jun 2012
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QUOTE(leowjc @ Sep 3 2012, 09:47 AM) do you mean there is no more cash back for petrol? The Travel Money was a Cash Back & Air Miles - (Reward Point valid for 2 years) Credit Card2% cash back on Petrol...& Max. Cash Back is calculated at 20% of total Monthly Retail Spending, which is capped at $60 per month What I mean the $50 Cash Back GST with their 1st Time Spend Promotion ( for NEW Approved Card 1st Year Only) The $50(GST) will Credit Back to your account within 3 months... But if Cancel the card within 1 YEAR the bank will charged back the $50 (GST) You check on Gen-x's blog on Travel Money Card Review  http://genxgenygenz.blogspot.com/2012/08/r...promotions.html This post has been edited by fly126: Sep 3 2012, 11:42 AM |
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