Hope you learnt your lessons about Cash Advance.
Too often a reader comes in and justify themselves the need for Cash Advance (or) get into trouble about Cash Advance.
Too often a senior in here will remind the dangers of Cash Advance (myself included) and get ticked off by readers who die-die wants it and think it is under control.

There's a reason we don't encourage it and blasting readers who think they understand what they are doing with Cash Advance. If anyone think they could stop the bank from charging you from Cash Advance fees/interest/etc you must be dreaming and please stop holding a credit card until you learn how to. You are not doing justice to yourself through this unsecured loan facility  Bank will charge the fees the second you take out the money and will charge you interest by the day.

First of all you should have reported him for sending you a PM, that's if you have not requested him to do so.

Secondly, you why would you trust anyone online?

Bro, you quoted wrong post lah, hahaha, go see. I guess what you meant was below:
Are you sure HSBC Amanah Minimum CL is RM7K. I mentioned in my article Malaysia Premier Credit Cards that HSBC Visa Signature minimum CL is RM5K! That was what I was told by HSBC CS. So, call HSBC CS and ask them to reduce the CL - I would think the minimum CS for non HSBC credit card should from RM3K or maybe RM4K.
wah, since when ronnie can ban people here 

The Credit Card Sales exec. said HSBC Amanah min 4 k &  Amanah Platinum min.7k
NO Standard Answer on it...

Hi GenX,hye,

An abundance of thanks for your wish.
My current August Platinum Maybankard 2 Amex usage has exceeded threshold of Rm1000. How I wish I can have a backup card like OCBC Titanium but since they reject me a couple of months ago, I've not been trying to apply again , should I look for any card that have same rebate or better than Titanium? Maybe Citibank Plat Cashback?

Not all CC are created equal... only go for the good ones like OCBC Titanium MasterCard or Maybankard 2 AMEX

Again the wrong choice of word. Spend RM10K per year with the titanium card, OCBC will reward you with RM50 spending bonus which is to offset the GST.

GST can't be waived 

My personal opinion - It's one of the worst out there. Limited benefits.
Their CS is fine though.

You can't fault the CS. CS has limited rights & access using their system.
Of course you should be happy they do not have too much access, otherwise they can find out how much you have, where you live and start to stalk/kidnap/rob you.

Unless you mean is premier banking or you are special VIP customers where they address by your name when pick up your calls.

if only people have patience and the ability to understand processes..

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.

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   She threatened to also cancel all her banking relationship with the bank if it happened further   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   They never fail to give me a different answer everytime I call up (on the same issue).