Human Nature,

I was born in the world of aggressive in making money, all of my friends across banking, insurance, corporate and black triads. it's usually for that, that is the true world. there is nothing fair. Most of them prosper because against the society, not believe the gods.

Are you stating this in your personal capacity or as a rep from the bank? Are you condoning such unethical actions? I have been observing that you have been defending these so called friends.

This post has been edited by Human Nature: Aug 15 2013, 11:04 PM

Human Nature,

You got a problem. If you can't accept the fact, then just keep complain till the end of your life. I have a good friend and bad friends. In fact, you're survive because you're selling yourselves to the company for generate profit. Without money, you won't be bragging here. I'm not representative from any society neither. If you think, then keep think as it is true.

Right, just evading from the topic.

Not really. I've got principal Biz platinum card and supplementary Biz plat too. SCB can do wonders and ignore all written T&C.

By the way, how many months do u guys usually wait before canceling the card after receiving cash back?

This post has been edited by chloe_yee87: Aug 15 2013, 11:48 PM

chloe_yee87,

That's why term and condition applied. Just go ahead, there are many people even it stated clearly but still do not understand, when anything happen they keep blame each others such as reversal. that even applied to standard chartered staff even higher levels. If it an offer, then it will be given but randomly it will be reject. The basic principle already stated clearly for usual application is not given. Usually, they will only advice after 6 months for termination. I even saw cardholder used priority banking visa infinite card but actually they are not entitled, without any valid account but limit hold at RM3,000 with income RM2k only.

Info (page 16),
http://www.standardchartered.com.my/cb/fees_and_charges.pdf

This post has been edited by adolph: Aug 16 2013, 12:44 AM

Credit Score for Credit Card. It's one of the criteria to borrow the total credit limit for personal financing.



This post has been edited by adolph: Aug 16 2013, 02:17 AM

Thanks adolph for the useful information. Will get it done today.

I have 2 cards with SCB. Today 1 card was charged GST. I called for GST waiver and they waived, and my other card they gave me the points to redeem for GST.

Only T&C is cannot cancel card within one year. Since my SCB card only used for discount at F&B, so I guess no harm keeping.

Last month ate korean bbq got 15% off with SCB. Ok la.

There is no such T&C, request them to provide it in black and white.

Just received call, and I insist to terminate the card. Used less than a year.

The person on the phone said that. Good point. Anyway, doesn't bother me since I plan to keep the card if no need to pay GST.

Seems like bank these days like to create T&C on the fly with no black and white.

Jason,

It's not a requirement to hold your card for one year after receive your service tax waiver, you still could do another cancellation request after that.

Jason,

It's not bank that create the chaos, it is the problem for certain agents because they have their target which set by the banks. It almost everywhere today, especially insurance agents.

Offer JustOne Platinum MasterCard, launch on 21 August 2013 above,

1# Lifetime of 15% cashback with maximum capped at RM48 monthly.
2# The cashback will depend on your overall montly spending for retail purchase which separate into three categories namely,
- RM1,000 spending = RM28 maximum petrol cashback / month
- RM2,000 spending = RM38 maximum petrol cashback / month
- RM3,000 spending = RM48 maximum petrol cashback / month

3# Cashback RM55 for principle card and RM30 cashback for each supplementary card, usually will be use to cover government service tax.
4# One year annual fee waiver for principle card and supplementary card is free.
5# Maximum petrol cashback capped with total RM576 per year.
6# Principle annual fee will be RM250 per year.
7# Petrol cashback will be credit to principle cardholder within 60 days from the end of transaction month.
8# No reward points will be given for retail purchase.

Interested candidate may prepare their document for submission after 21 August 2013.

This post has been edited by adolph: Aug 16 2013, 09:14 PM

the retail purchases are not getting anything, so 15% is just a gimmick
effective rate is lower than 2.4% even for best case scenario

the previous JustOne titanium WAS better than this new JustOne platinum

Looks like it is focusing heavily on petrol cashback. A quick comparison, it probably rank between the 4th to 6th best card in that category: https://forum.lowyat.net/topic/1798403

Does the "overall montly spending for retail purchase" include petrol spend ??
Annual Fee cannot be waived ???

Petrol Cashback give back after 60 days ???

This type of tier cash back seem to "imitate" Citibank Shell Card
28/1000 = 2.8%
38/2000 = 1.9%
48/3000 = 1.6%

This post has been edited by ronnie: Aug 16 2013, 11:38 PM

hi... for the 15% petrol rebate, is it applicable for any petrol station?

ronnie,

As usual process, annual fee waiver can be request just like other type of cards but subject to bank approval. Retail purchase will be exclude petrol transaction, insurance premium and bill payment but can combine the usage between principle card and supplementary for retail purchase.
Petrol cash back will be credit into principle cards only after two month statement, meaningless to say after 60 days.

This post has been edited by adolph: Aug 17 2013, 12:50 AM