Bodohla Stan Chart, until now haven't gotten single cent of 15% cash back even though using the card since start of July. Call CS they're very polite and all but can't tell me what the issue is, just can 'raise a service request'. At first said '30-60 days' (even on this thread also I was told that) but last time I called they said '60-90 days'..... 60 days pass jor, if 90 days pass then I'll be told '90-120'?

hey bro, im currently using a SC business platinum visa card, since march/april this year. when can i terminate this card?

no really anytime.

the CS will ask to hold if there is rebates and waivers.

i waited 6 months to terminate mine.
they just refuse to do it.

reason give:
we have waived your annual fee just recently.
due to that we suggest you hold on until xxmonths
you can cancel after that.

after the 6 months they still refuse to do it thru phone,
say officer not available,
try hold on another year,
upgrade this that.
no black and white confirmation card cancel
etc etc etc

end up i cut into halves, printed out cancel letter frm lyn
go to their branch and ask them chop and sign.

what a despo bank!

i know that,
but the underhand tactics is annoying.

especially the annual fee waiver part.

i forgot whether they charge the fees in advance or after 1 year.
scared they say will charge back if cancel just after waiver.
the fee is not cheap for a plat

many cards dun have free annual fee.
they ask to call up to waive after 1 year
giving the impression it will be waived everytime.

theoretically
let's say i have zero balance,
i call up, if they dunwant waive, i cut and burn it

if have a lot of balace or 0% intaslment paln.
call up for waiver,
they can just say, sorry cannot waive.
cancel? fine, pay back what you owe and do it!

i will never sign up for a credit card that has annual fee ever again.

stanchart has no free annual fee cards

it seems that there is a "no free annual fee" policy
for all foreign bank cards in malaysia.

call up to waive is a workaround solution to that policy
as it is their prerogative to waive or not,
card holders are sweet-talked into signing up.
nothing in T&C about waiver.

like will kena scammed sooner or later.
just saying

I thought there's a 6 month cooling period prior cancelling a newly applied cr card.