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Credit Cards RHB Credit Card, Open discussion/frustration with RHB CC
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Human Nature
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Aug 1 2015, 01:20 AM
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QUOTE(fruitie @ Aug 1 2015, 01:15 AM) When I called to cancel my card, a few days later, a lady called me for retention purpose. She asked me what's the real reason that I wanna cancel this card. I told her not much benefits and the hassle of getting a pin to login online banking. I was asked to go to the nearest branch to do this. She promised me will look into it and check with the relevant people. Anyway, after a serious consideration, I called for cancellation again on Thursday after being retained. Yesterday received this SMS.  RM0.00 RHB Cards: Effective Aug 2015, your credit card stmt will be converted to e-stmt. To view your e-stmt, pls log on to RHB Now. Call 03-92068118 for info i received that sms too.
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dlwl
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Aug 1 2015, 01:33 AM
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QUOTE(fruitie @ Aug 1 2015, 01:15 AM) When I called to cancel my card, a few days later, a lady called me for retention purpose. She asked me what's the real reason that I wanna cancel this card. I told her not much benefits and the hassle of getting a pin to login online banking. I was asked to go to the nearest branch to do this. She promised me will look into it and check with the relevant people. Anyway, after a serious consideration, I called for cancellation again on Thursday after being retained. Yesterday received this SMS.  RM0.00 RHB Cards: Effective Aug 2015, your credit card stmt will be converted to e-stmt. To view your e-stmt, pls log on to RHB Now. Call 03-92068118 for info I received this SMS too. I had to call about 2-3 times to cancel both my RHB CCs( Travel Money and Visa Signature). The last time I called, one of their reps did a report for me and said that they will proceed to cancel the card. But now when I check via RHBonline, both cards are still there and I received the same SMS too today. Does this mean that my card is still actually active?
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victorywp
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Aug 1 2015, 04:13 AM
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QUOTE(ronnie @ Jul 31 2015, 02:01 PM) That's my target each month.... Their cash back payout is at times not standardized. may i know where do you usually dine to achieve your monthly target?
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fruitie
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Aug 1 2015, 10:45 AM
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Rise and Shine
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QUOTE(Human Nature @ Aug 1 2015, 01:20 AM) OK, then this is normal but I don't have RHB online.  QUOTE(dlwl @ Aug 1 2015, 01:33 AM) I received this SMS too. I had to call about 2-3 times to cancel both my RHB CCs( Travel Money and Visa Signature). The last time I called, one of their reps did a report for me and said that they will proceed to cancel the card. But now when I check via RHBonline, both cards are still there and I received the same SMS too today. Does this mean that my card is still actually active? I'm worse than you, I don't even have the account to check.  Next week I will call again and probably get them to write me an email for proof that it has been cancelled.
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Human Nature
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Aug 1 2015, 11:56 AM
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always a good practice to terminate CC thru black and white.
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fruitie
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Aug 1 2015, 11:57 AM
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Rise and Shine
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QUOTE(Human Nature @ Aug 1 2015, 11:56 AM) always a good practice to terminate CC thru black and white. Yes, that's my practice too.
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Human Nature
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Aug 1 2015, 11:59 AM
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QUOTE(fruitie @ Aug 1 2015, 11:57 AM) Yes, that's my practice too. but you posted you called to terminate? once you have black and white, it is easier to follow up.
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fruitie
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Aug 1 2015, 12:02 PM
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Rise and Shine
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QUOTE(Human Nature @ Aug 1 2015, 11:59 AM) but you posted you called to terminate? once you have black and white, it is easier to follow up. Yes, I called to terminate and will ask them to send me email or letter.  I seldom terminate CC la. So far only HSBC, SCB and UOB.  HSBC, I have received from email. UOB received via letter. SCB, I don't recall anything but nothing on my SCB online anymore. I still have their online banking for my savings account. I know there's a risk here.
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Human Nature
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Aug 1 2015, 12:07 PM
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QUOTE(fruitie @ Aug 1 2015, 12:02 PM) Yes, I called to terminate and will ask them to send me email or letter.  I seldom terminate CC la. So far only HSBC, SCB and UOB.  HSBC, I have received from email. UOB received via letter. SCB, I don't recall anything but nothing on my SCB online anymore. I still have their online banking for my savings account. I know there's a risk here.  I see. I mean write in to terminate CC is better than calling. In that way, when the bank fail to do as per instructed, can just forward that email/letter/fax to a higher authority/department
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fruitie
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Aug 1 2015, 12:09 PM
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Rise and Shine
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QUOTE(Human Nature @ Aug 1 2015, 12:07 PM) I see. I mean write in to terminate CC is better than calling. In that way, when the bank fail to do as per instructed, can just forward that email/letter/fax to a higher authority/department  Good idea. I will do it for my next card's cancellation.
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kyle_kl
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Aug 1 2015, 12:53 PM
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I have cancelled my RHB platinum card few months ago. But i check my credit report from BNM, it still in my record.
Should i call RHB or BNM to clarify this?
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fruitie
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Aug 1 2015, 01:20 PM
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Rise and Shine
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QUOTE(kyle_kl @ Aug 1 2015, 12:53 PM) I have cancelled my RHB platinum card few months ago. But i check my credit report from BNM, it still in my record. Should i call RHB or BNM to clarify this? This is my biggest fear.  I really need a black and white from RHB. I must.
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Human Nature
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Aug 1 2015, 01:27 PM
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I have no idea about this, so please verify. It takes several months for the CC termination record to be reflected in the credit report. If I am not mistaken, 6 months. Need someone to verify this though.
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kyle_kl
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Aug 1 2015, 01:49 PM
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QUOTE(Human Nature @ Aug 1 2015, 01:27 PM) I have no idea about this, so please verify. It takes several months for the CC termination record to be reflected in the credit report. If I am not mistaken, 6 months. Need someone to verify this though. 6 months a bit long  Anyway, will call RHB to check on this.
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Human Nature
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Aug 1 2015, 02:38 PM
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QUOTE(richstars8818 @ Aug 1 2015, 02:34 PM) cancel AMBANK cc , next month update no more record. other banks i don't know there you go folks, can be as quick as 1 month
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fruitie
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Aug 1 2015, 04:35 PM
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Rise and Shine
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I will need to find time to go to BNM to print out my CCRIS report. Probably next month.
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Human Nature
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Aug 1 2015, 04:39 PM
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QUOTE(richstars8818 @ Aug 1 2015, 04:31 PM) i called them concerning about CCRIS report and customer service call me back they helped me email to relevant department.. that is why fast. furthermore, i cancelled at my home branch you mean you only call and check with the bank? did you verify with CCRIS?
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Human Nature
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Aug 1 2015, 04:42 PM
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QUOTE(richstars8818 @ Aug 1 2015, 04:40 PM) first i go to my home branch got the letter of cancellation and the officer and me sign on it second i call hotline number ask CS to speed up the cancellation cause i told her i will check my CCRIS report next month received call from her and she stated email to relevant department next month i check after 15th no more record on CCRIS ah ok, so you did verify with CCRIS
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fruitie
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Aug 1 2015, 04:44 PM
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Rise and Shine
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QUOTE(richstars8818 @ Aug 1 2015, 04:40 PM) first i go to my home branch got the letter of cancellation and the officer and me sign on it second i call hotline number ask CS to speed up the cancellation cause i told her i will check my CCRIS report next month received call from her and she stated email to relevant department next month i check after 15th no more record on CCRIS I will use the same reason as well, telling them I will check my CCRIS report. Thanks for the idea.
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Human Nature
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Aug 1 2015, 04:46 PM
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QUOTE(fruitie @ Aug 1 2015, 04:44 PM) I will use the same reason as well, telling them I will check my CCRIS report. Thanks for the idea.  you may use the template here too (1st post). i always copy paste the wordings in my cancellation notice. https://forum.lowyat.net/topic/1814307
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