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Credit Cards RHB Credit Card, Open discussion/frustration with RHB CC

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Human Nature
post 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. hmm.gif
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
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i received that sms too.
dlwl
post 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. hmm.gif
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?
victorywp
post 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.
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may i know where do you usually dine to achieve your monthly target?
fruitie
post Aug 1 2015, 10:45 AM

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QUOTE(Human Nature @ Aug 1 2015, 01:20 AM)
i received that sms too.
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OK, then this is normal but I don't have RHB online. cry.gif

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?
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I'm worse than you, I don't even have the account to check. cry.gif
Next week I will call again and probably get them to write me an email for proof that it has been cancelled.
Human Nature
post Aug 1 2015, 11:56 AM

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always a good practice to terminate CC thru black and white.
fruitie
post Aug 1 2015, 11:57 AM

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QUOTE(Human Nature @ Aug 1 2015, 11:56 AM)
always a good practice to terminate CC thru black and white.
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Yes, that's my practice too.
Human Nature
post Aug 1 2015, 11:59 AM

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QUOTE(fruitie @ Aug 1 2015, 11:57 AM)
Yes, that's my practice too.
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but you posted you called to terminate? rclxub.gif

once you have black and white, it is easier to follow up.
fruitie
post Aug 1 2015, 12:02 PM

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QUOTE(Human Nature @ Aug 1 2015, 11:59 AM)
but you posted you called to terminate?  rclxub.gif

once you have black and white, it is easier to follow up.
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Yes, I called to terminate and will ask them to send me email or letter. smile.gif
I seldom terminate CC la. So far only HSBC, SCB and UOB. laugh.gif
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. tongue.gif
Human Nature
post 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. smile.gif
I seldom terminate CC la. So far only HSBC, SCB and UOB. laugh.gif
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. tongue.gif
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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 brows.gif
fruitie
post Aug 1 2015, 12:09 PM

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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  brows.gif
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Good idea. I will do it for my next card's cancellation. tongue.gif
kyle_kl
post 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?
fruitie
post Aug 1 2015, 01:20 PM

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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?
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This is my biggest fear. sad.gif
I really need a black and white from RHB. I must.
Human Nature
post 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.
kyle_kl
post 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.
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6 months a bit long sweat.gif Anyway, will call RHB to check on this.
Human Nature
post 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
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there you go folks, can be as quick as 1 month
fruitie
post Aug 1 2015, 04:35 PM

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I will need to find time to go to BNM to print out my CCRIS report. Probably next month.
Human Nature
post 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
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you mean you only call and check with the bank? did you verify with CCRIS?
Human Nature
post 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
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ah ok, so you did verify with CCRIS thumbup.gif
fruitie
post Aug 1 2015, 04:44 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
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I will use the same reason as well, telling them I will check my CCRIS report. Thanks for the idea. biggrin.gif
Human Nature
post 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. biggrin.gif
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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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