Welcome Guest ( Log In | Register )

201 Pages « < 107 108 109 110 111 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards Alliance Bank Credit Card, Cash Back Platinum and VI

views
     
leootan
post May 31 2022, 09:24 AM

Getting Started
**
Junior Member
224 posts

Joined: Oct 2018
QUOTE(fruitie @ May 30 2022, 08:46 PM)
You think the story ended? Nightmare continues. laugh.gif
laugh.gif Unless they didn't bother to Google, they will know how strong this company is. laugh.gif

I'm also giving up already. laugh.gif laugh.gif
Nightmare continues..

So what happened just now, she told me, her manager is sending an email to my corporate email address (as provided on the form which I'm puzzled why this is requested on the form but never mind), he just needs me to confirm "yes". I was like just a yes won't be too troublesome for me. I agreed and replied almost instantly.

Then, she messaged me that they have received my email reply. She continued with, we need your employee ID tag photo?! I laugh.gif, why? That email address is not enough to prove I'm working in this company? She said if you provide this photo, then we can waive the bank statement and employment verification. Sounds like a good deal, just a photo and can waive two stuff. I sent in for sure. Then, my name on the ID tag is not as per my IC, I cannot control this because company allows my nickname to be printed on ID tag. sweat.gif She said then it is not accepted. I need to show them my full name as per IC and company's name. mad.gif Is there any way I can show to them?  bangwall.gif Finally, I got my staff to prepare a copy of my employment confirmation letter. I sent over and no news after that, maybe after working hours already.

I told her, "Your bank's VI requirement is so low that any of my VS cards (not even VI) in other banks have higher requirement than this and nobody has questioned me until this extent." Honestly, it seems they don't trust their customers, but still hoping people will apply for their cards, then make their their life miserable. I begin to admire my patience now.  blush.gif
*
What makes you wanna go for their VI then? I thought after they changed the TBP to only the 1st 3k reloading to ewallet entitled x8 TBP, this VI macam not so good liao.

Unless got lots of online transaction apart from ewallet, then this VI is still tempting lah!

I got mine “attached” with my house loan with Alliance. So I didnt know applying CC from Alliance is so troublesome.

Anyway, for my house loan application with them, i just submitted the common required documents. And Voila, ironically, among few banks, ONLY Alliance bank approved mine🤣, with the LEAST documents required, as other banks still request for extra documents.
fruitie
post May 31 2022, 11:31 AM

Rise and Shine
Group Icon
Staff
72,866 posts

Joined: Sep 2005
From: KUL

QUOTE(skty @ May 31 2022, 03:11 AM)
Nope. They rejected my application.

I think this is the only bank among all the major banks that reject my application.
*
Oops.

QUOTE(guanteik @ May 31 2022, 08:53 AM)
Well, same here in my opinion, their application process is a joke where they are asking for so many details from us e.g. detailed EPF statement, bank statements, salary slips of several months. Worse than applying for a loan.
*
Yes, worse than me applying loans! Exactly my thought.

QUOTE(leootan @ May 31 2022, 09:24 AM)
What makes you wanna go for their VI then? I thought after they changed the TBP to only the 1st 3k reloading to ewallet entitled x8 TBP, this VI macam not so good liao.

Unless got lots of online transaction apart from ewallet, then this VI is still tempting lah!

I got mine “attached” with my house loan with Alliance. So I didnt know applying CC from Alliance is so troublesome.

Anyway, for my house loan application with them, i just submitted the common required documents. And Voila, ironically, among few banks, ONLY Alliance bank approved mine🤣, with the LEAST documents required, as other banks still request for extra documents.
*
Yes, at least something though capped to 3k now. Wanna use the points for airmiles though my preference is not EM.

Good for you, maybe they prefer to do loan businesses. laugh.gif
alandhw
post May 31 2022, 01:25 PM

Regular
******
Senior Member
1,961 posts

Joined: Jun 2010


QUOTE(fruitie @ May 30 2022, 08:46 PM)
You think the story ended? Nightmare continues. laugh.gif
laugh.gif Unless they didn't bother to Google, they will know how strong this company is. laugh.gif

I'm also giving up already. laugh.gif laugh.gif
Nightmare continues..

So what happened just now, she told me, her manager is sending an email to my corporate email address (as provided on the form which I'm puzzled why this is requested on the form but never mind), he just needs me to confirm "yes". I was like just a yes won't be too troublesome for me. I agreed and replied almost instantly.

Then, she messaged me that they have received my email reply. She continued with, we need your employee ID tag photo?! I laugh.gif, why? That email address is not enough to prove I'm working in this company? She said if you provide this photo, then we can waive the bank statement and employment verification. Sounds like a good deal, just a photo and can waive two stuff. I sent in for sure. Then, my name on the ID tag is not as per my IC, I cannot control this because company allows my nickname to be printed on ID tag. sweat.gif She said then it is not accepted. I need to show them my full name as per IC and company's name. mad.gif Is there any way I can show to them?  bangwall.gif Finally, I got my staff to prepare a copy of my employment confirmation letter. I sent over and no news after that, maybe after working hours already.

I told her, "Your bank's VI requirement is so low that any of my VS cards (not even VI) in other banks have higher requirement than this and nobody has questioned me until this extent." Honestly, it seems they don't trust their customers, but still hoping people will apply for their cards, then make their their life miserable. I begin to admire my patience now.  blush.gif
*
What a "fruitful" experienced from you.
I wonder all these requirement is come from the specific branch or HQ?
Last time I apply from a banker which not specialize in cc section, he also put up plenty documents requirement. I give up and swap to different sales person.
Second sales person very straight forward and clearly stated what is needed, so the process just went through smoothly without any hiccups.

fruitie
post May 31 2022, 01:28 PM

Rise and Shine
Group Icon
Staff
72,866 posts

Joined: Sep 2005
From: KUL

QUOTE(alandhw @ May 31 2022, 01:25 PM)
What a "fruitful" experienced from you.
I wonder all these requirement is come from the specific branch or HQ?
Last time I apply from a banker which not specialize in cc section, he also put up plenty documents requirement. I give up and swap to different sales person.
Second sales person very straight forward and clearly stated what is needed, so the process just went through smoothly without any hiccups.
*
I'm not sure whose requirement but if she cannot proceed after I sent in so many documents, I will change to another sales person.
Papertank
post May 31 2022, 01:36 PM

Getting Started
**
Junior Member
118 posts

Joined: Jul 2008


QUOTE(fruitie @ May 31 2022, 01:28 PM)
I'm not sure whose requirement but if she cannot proceed after I sent in so many documents, I will change to another sales person.
*
For mine, they asked for:

1. BE form & tax receipt
2. Personal bank statements (3 months)
3. Payslip (1 month)

*For salaried employee*

That's about it. Verification call on employer & applicant. Pretty smooth if you ask me. I think it is more about who is handling your application? Just my 2 cents.
fruitie
post May 31 2022, 02:13 PM

Rise and Shine
Group Icon
Staff
72,866 posts

Joined: Sep 2005
From: KUL

QUOTE(Papertank @ May 31 2022, 01:36 PM)
For mine, they asked for:

1. BE form & tax receipt
2. Personal bank statements (3 months)
3. Payslip (1 month)

*For salaried employee*

That's about it. Verification call on employer & applicant. Pretty smooth if you ask me. I think it is more about who is handling your application? Just my 2 cents.
*
Probably it is the salesperson, but applying for a credit card requires an employer's verification, this is new to me. laugh.gif Even I didn't get calls when I applied for loans. laugh.gif
Anyway, let's see how this story develops later.
iamoracle
post Jun 1 2022, 02:00 PM

On my way
****
Senior Member
614 posts

Joined: Nov 2011


QUOTE(joshuaa85 @ May 28 2022, 12:09 AM)
z city app promo gives RM 750 cash back
*
Were you referring to this one? Get cashback if you are top spender.
https://www.alliancebank.com.my/cards/perso...hAlpm3RxwIDD3n8
wolf1991
post Jun 1 2022, 03:37 PM

Enthusiast
*****
Junior Member
848 posts

Joined: Jan 2013
QUOTE(fruitie @ May 30 2022, 08:46 PM)
You think the story ended? Nightmare continues. laugh.gif
laugh.gif Unless they didn't bother to Google, they will know how strong this company is. laugh.gif

I'm also giving up already. laugh.gif laugh.gif
Nightmare continues..

So what happened just now, she told me, her manager is sending an email to my corporate email address (as provided on the form which I'm puzzled why this is requested on the form but never mind), he just needs me to confirm "yes". I was like just a yes won't be too troublesome for me. I agreed and replied almost instantly.

Then, she messaged me that they have received my email reply. She continued with, we need your employee ID tag photo?! I laugh.gif, why? That email address is not enough to prove I'm working in this company? She said if you provide this photo, then we can waive the bank statement and employment verification. Sounds like a good deal, just a photo and can waive two stuff. I sent in for sure. Then, my name on the ID tag is not as per my IC, I cannot control this because company allows my nickname to be printed on ID tag. sweat.gif She said then it is not accepted. I need to show them my full name as per IC and company's name. mad.gif Is there any way I can show to them?  bangwall.gif Finally, I got my staff to prepare a copy of my employment confirmation letter. I sent over and no news after that, maybe after working hours already.

I told her, "Your bank's VI requirement is so low that any of my VS cards (not even VI) in other banks have higher requirement than this and nobody has questioned me until this extent." Honestly, it seems they don't trust their customers, but still hoping people will apply for their cards, then make their their life miserable. I begin to admire my patience now.  blush.gif
*
Wow I thought my experience already very poor. Unexpected your experience is even weird. This bank is indeed the most weird bank in handling credit card application.

For my cases, I decided not to proceed after the weird experience. But someone from alliance bank suddenly call me and ask me to submit through him instead.

The weird thing is he ask for driving license as part of documents needed. It is damn weird so I decided not to proceed again. Lol make me wonder do they need my driving license to prove I can drive? I don't think that affecting credit score.
guanteik
post Jun 1 2022, 05:32 PM

Look at all my stars!!
*******
Senior Member
2,661 posts

Joined: Jan 2003


In my opinion, this card isn't as attractive as it used to be after they implemented the 3K TBP cap on e-wallets. I was able to hit quite some TBP every month but now with this capping, it reduced the points earning to as much as 80% for me. However, so far this is still the best card among all others.

Put aside the topic of spenders spoiling the market.
winmxbb
post Jun 1 2022, 06:01 PM

On my way
****
Junior Member
686 posts

Joined: Jan 2008
what is this?
20-May-2022 CREDIT CARD CAMPAIGN CASHBACK - 26.00
royalz
post Jun 1 2022, 10:07 PM

On my way
****
Junior Member
642 posts

Joined: Jul 2006
QUOTE(winmxbb @ Jun 1 2022, 06:01 PM)
what is this?
20-May-2022  CREDIT CARD CAMPAIGN CASHBACK  -  26.00
*
should be new card sst rebate they give RM26 to you.
xiaomoon
post Jun 2 2022, 10:36 AM

Regular
******
Senior Member
1,451 posts

Joined: Feb 2012
https://ringgitplus.com/en/credit-card/Alli...Alliance%20Bank
anyone using this card? ewallet got cb?
wjleong15
post Jun 2 2022, 11:10 AM

Look at all my stars!!
*******
Senior Member
3,522 posts

Joined: Sep 2012
QUOTE(xiaomoon @ Jun 2 2022, 10:36 AM)
got
xiaomoon
post Jun 2 2022, 11:46 AM

Regular
******
Senior Member
1,451 posts

Joined: Feb 2012
QUOTE(wjleong15 @ Jun 2 2022, 11:10 AM)
got
*
if i spend 5k can get rm250 cb?
wjleong15
post Jun 2 2022, 12:37 PM

Look at all my stars!!
*******
Senior Member
3,522 posts

Joined: Sep 2012
QUOTE(xiaomoon @ Jun 2 2022, 11:46 AM)
if i spend 5k can get rm250 cb?
*
have you read the cb tier?
spend 3k 55.50 only
xiaomoon
post Jun 2 2022, 01:33 PM

Regular
******
Senior Member
1,451 posts

Joined: Feb 2012
QUOTE(wjleong15 @ Jun 2 2022, 12:37 PM)
have you read the cb tier?
spend 3k 55.50 only
*
55.5 only lol, means 1~1k 0.05% 1k~2k 0.5% only...
wjleong15
post Jun 2 2022, 01:46 PM

Look at all my stars!!
*******
Senior Member
3,522 posts

Joined: Sep 2012
QUOTE(xiaomoon @ Jun 2 2022, 01:33 PM)
55.5 only lol, means 1~1k 0.05% 1k~2k 0.5% only...
*
Attached Image
leootan
post Jun 2 2022, 06:21 PM

Getting Started
**
Junior Member
224 posts

Joined: Oct 2018
QUOTE(xiaomoon @ Jun 2 2022, 11:46 AM)
if i spend 5k can get rm250 cb?
*
Lol, spent 5k get 250 CB. Even higher tier cc also doesnt have this benefit/feature.
Lalalala99
post Jun 4 2022, 06:25 PM

Getting Started
**
Junior Member
106 posts

Joined: Feb 2018
Just want to add a story from my experience. I called them to increase my credit limit, and sometime later I got an email to send them my IC, their form and my payslip.

I sent the requested docs and then a few days later they requested me to send my EPF slip. And I gave it to them. A few days later, they requested my bank statement. I got frustrated and just asked them to cancel the application. It does seem like they don't trust their customers. If they have my payslip and EPF statements, why would they need my bank statement. And if they do need these documents, why not ask them in the first place rather than keep asking for additional docs every few days.

Edit: Bonus story. A couple of months before that I applied for VI (I had their Plat card before), they ask for my payslip. I changed company since I applied for the Plat card, so they said I need to change the address. I can't do this through email, I need to spell out the address over the phone and a few hours later another guy calls and confirm the address by spelling out the address again over the phone. For a bank that won digital banking award or whatever, it's kinda ridiculous. But their VI card is quite good for overseas spending so I'll put up for now.

This post has been edited by Lalalala99: Jun 4 2022, 06:32 PM
fruitie
post Jun 7 2022, 10:11 AM

Rise and Shine
Group Icon
Staff
72,866 posts

Joined: Sep 2005
From: KUL

The officer who handled my application just informed me that my card is approved. rclxms.gif However, yes there is always "however" for Alliance... Somebody will call me for verification. Like why verification after my card is approved? I have no idea.

Also, I checked eCCRIS, it still shows "pending".

201 Pages « < 107 108 109 110 111 > » Top
 

Change to:
| Lo-Fi Version
0.0330sec    0.71    6 queries    GZIP Disabled
Time is now: 17th December 2025 - 06:40 AM