Welcome Guest ( Log In | Register )

5 Pages  1 2 3 > » Bottom

Outline · [ Standard ] · Linear+

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

views
     
jefftan4888
post Jul 21 2019, 06:12 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(13aby @ Jul 21 2019, 05:39 PM)
Just got my rhb cc , can i go atm and cash advance now? Urgently need cash . As i know some bank beed at least 6 months from activation date to enable it to cash advance
*
How much do you need? Do you have BP & Boost?
jefftan4888
post Jul 23 2019, 01:32 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
Submitted online 2 times last week, nobody call back. Yesterday realized that I have “RHB Now” so I logged on to apply. Today I check status, it is in progress.
jefftan4888
post Aug 6 2019, 10:49 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
Attached Image

It has been 11 working days since 22/7. Normally, how many working days will it take? hmm.gif biggrin.gif
jefftan4888
post Aug 13 2019, 02:27 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(jefftan4888 @ Aug 6 2019, 10:49 PM)
Attached Image

It has been 11 working days since 22/7. Normally, how many working days will it take?  hmm.gif  biggrin.gif
*
Update: It has been 15 working days since 22/7. Online status sometimes “Approve-in-Principle” sometimes “In Progress”. Email to CS several times but still no responses.
jefftan4888
post Aug 13 2019, 02:29 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(fantasy1989 @ Aug 13 2019, 02:13 PM)
anyone know how long it took for RHB bank to approve our card?
*
How many working days since your submission?
jefftan4888
post Aug 15 2019, 02:53 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(YH1234 @ Aug 11 2019, 12:54 AM)
rhb is quite similar to govt dept, many red tape, slow, conservative....

i walked in branch applied visa sig, telling them utilised my wm credit limit, the cs said need epf statement, i refused, told her to check with her superior, superior said no need, moreover their epf machine not working, cant print anything. thus i signed and submit app form. after few days, no response, i email via rhb now, replied will check, after that received a sms asking me to bring ic of supplementary holder, i email again saying my application is visa sig, not supp, after few days call me again, saying my form is wrong, i said yr cs fill in for me, the caller said cant do anything, asked me to fill in new form in any branch. i walk in again, this round the mgr see me, said must have epf stetement even under shared credit, its a bank requirement. then i realised the superior during my first walk in already knew my app will fail, and she submit my app under supp instead since there is no epf statement.

through rp is worst, rhb need one more doc but not willing to call rp, rp keep telling me rhb yet to feedback, i call rhb direct then informed me rp miss out one doc, i asked what would happen if i don't call, the rhb staff said they will just reject, mymy....hence from then onwards its me that deal with the bank and not rp. my impression is rhb bank staff not that serious and dedicated towards their work.

i know its my fault to insist no supporting doc, however my additional card using share credit limit basis with both scb and pbb is just one email. the former called me to confirm while the latter no sound at all for 2 weeks then sent me the cards. mbb much easier just fill in one form at klcc then received sms few days later asked me collect.

the reason i could think of is card biz not rhb major source of income, so nobody cares.
*
I agree what you said is TRUE. By just checking online status is not enough. Must be a bit proactive to call them. They won't call you. They won't reply your emails. Online status sometimes "In Progress" sometimes "Application-In-Principal". Don't know what's wrong with them. doh.gif sweat.gif rclxub.gif
jefftan4888
post Aug 16 2019, 08:21 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(extinct_83 @ Aug 15 2019, 10:42 PM)
If there's a status 'pending' with credit limit amount and an account number. Would that means the card will be approved?
*
Are you referring to CCRIS status? “Pending” means still unsure yet.

If you have online banking, you can check the status of your application.
jefftan4888
post Aug 16 2019, 08:22 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(MNet @ Aug 16 2019, 07:19 AM)
Yes just wait for the time to approve
*
For RHB, you can’t just wait. Need to be proactive a bit.
jefftan4888
post Aug 16 2019, 11:33 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(jefftan4888 @ Aug 13 2019, 02:27 PM)
Update: It has been 15 working days since 22/7. Online status sometimes “Approve-in-Principle” sometimes “In Progress”. Email to CS several times but still no responses.
*
Now I start monitoring the status via online banking every day. I know if the application status displayed as 'Approve-in-Priciple', it requires more documents. Then I have to call them immediatelly. Otherwise it will be dalayed indefinite. They won't call me and tell what they need from me. If the status is 'In-progress', I'm safe to wait. If not, even I wait until next year, they also don't bother.

So today my status back to 'In-progress'. It has been 18 working days since 22/7. notworthy.gif

This post has been edited by jefftan4888: Aug 16 2019, 11:37 AM
jefftan4888
post Aug 16 2019, 12:09 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(beLIEve @ Aug 16 2019, 11:51 AM)
as far as i know, approve in principle means you've already submitted all docs required, waiting for banks to process your application.
*
I've confirmed with RHB. 'Approve-in-Priciple' means still pending certain documents. You can also check here https://www.rhbgroup.com/general-info/faq/o...pplication.html.

'In-progress' means waiting for bank.
jefftan4888
post Aug 19 2019, 01:42 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(jefftan4888 @ Aug 16 2019, 11:33 AM)
Now I start monitoring the status via online banking every day. I know if the application status displayed as 'Approve-in-Priciple', it requires more documents. Then I have to call them immediatelly. Otherwise it will be dalayed indefinite. They won't call me and tell what they need from me. If the status is 'In-progress', I'm safe to wait. If not, even I wait until next year, they also don't bother.

So today my status back to 'In-progress'. It has been 18 working days since 22/7.  notworthy.gif
*
Today bank called for verification. Hopefully, I can get the approval soon. tongue.gif
jefftan4888
post Aug 19 2019, 04:02 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(extinct_83 @ Aug 19 2019, 03:56 PM)
I was told it will take 14 working days. I'm now half way through. Look forward to hear the maximum time for the bank to approve card application.
*
My application has already taken 19 working days. It was pending documents for 2 times and I thought they will call me. So it keeps delaying. sweat.gif
jefftan4888
post Aug 22 2019, 10:50 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(jefftan4888 @ Aug 19 2019, 04:02 PM)
My application has already taken 19 working days. It was pending documents for 2 times and I thought they will call me. So it keeps delaying.  sweat.gif
*
After 1 month waiting, they cancelled my application but not rejected. What does it mean? Maybe I have too many application and approval recently. I called CS, they said it is a secret. I can only reapply after 6 months if rejected. But they don't have answer to me for cancellation.

So I try to email them to seek for reapplication since I can't appeal in this case. hmm.gif
jefftan4888
post Aug 22 2019, 11:14 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(ClarenceT @ Aug 22 2019, 11:07 AM)
No need so desperate lah.
All the while they are very secretive. When come to monthly CB or Campaign CB, I might get more or might get less without answers.  devil.gif  brows.gif
*
Got an email reply.

It is auto-cancelled by system due to long pending. It's still in the midst of processing. They will re-activate the application in system. tongue.gif
jefftan4888
post Aug 22 2019, 06:39 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(extinct_83 @ Aug 22 2019, 06:18 PM)
I called CS today, they suggested if too long pending don't just wait. They suggest can go to any branch to make query. If there's any issue with incomplete supporting documents, the branch can tell.
*
No need to go to branch, just a call to CS will do.
jefftan4888
post Aug 24 2019, 12:03 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(ClarenceT @ Aug 22 2019, 11:07 AM)
No need so desperate lah.
All the while they are very secretive. When come to monthly CB or Campaign CB, I might get more or might get less without answers.  devil.gif  brows.gif
*
QUOTE(Joey_Chin12 @ Aug 23 2019, 11:52 PM)
Anyone applied RHB Visa Signature Card? Is this a good card for cash back?

I noticed there’s a 6% cash back for it.
*
tongue.gif
jefftan4888
post Aug 24 2019, 09:50 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(Joey_Chin12 @ Aug 24 2019, 08:48 AM)
Haha, I got your point now. RM2500 x 2% = RM50 (capped RM30). If I only intend to spend at online purpose only.
*
1% for 1,000-2,499: To achieve online RM30, 30/0.01 = 3k

2% for 2,500-3,499: To achieve online RM30, 30/0.02 = 1.5k

6% for 3,500 & above: To achieve online RM30, 30/0.06 = 500

So if solely for online CB RM30, just spend 2.5k is enough.

jefftan4888
post Aug 25 2019, 12:09 PM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(oldman1920 @ Aug 25 2019, 10:06 AM)
If I spend 1.5k online + 1k tnb, possible get RM 30 + RM 2 = RM 32 ?
*
TNB should be Others Spend 0.2% unlimited. CB is very little. doh.gif

Or maybe you can look into RHB CBMC 5% Utilities CB (capped @ RM10) only.

This post has been edited by jefftan4888: Aug 25 2019, 12:20 PM
jefftan4888
post Aug 27 2019, 10:27 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(ClarenceT @ Aug 27 2019, 05:30 AM)
Eg statement date 27/8/19
Post transactions from 27/7/19 to 26/8/19 to calculate CB.
CB is posted on 27/8/19.
Transactions posted on 27/8/19 (same statement - 27/8/19) - CB to be posted on 27/9/19.
[Slightly different from PB's]
*
Let say statement date is 27th Aug

PB
- CB is calculated until statement date, i.e. 27th Aug
- Will get CB upon statement date, i.e. 27th Aug
- CB calculation period: 28th Jul - 27th Aug

RHB
- CB is calculated until 1-day before statement date, i.e. 26th Aug
- Will get CB upon statement date, i.e. 27th Aug
- CB calculation period: 27th Jul - 26th Aug

The only difference between the two above is the CB calculation period. Am I right? tongue.gif

jefftan4888
post Aug 27 2019, 10:29 AM

Look at all my stars!!
*******
Senior Member
2,600 posts

Joined: Apr 2019
QUOTE(ClarenceT @ Aug 25 2019, 12:50 PM)
TNB amount is variable, can be more or less than RM1000.
But if you can spend RM1000 on TNB monthly, you may have a Club Membership, transactions at recreation clubs is under Entertainment!
*
What is this "Club Membership, transactions at recreation clubs is under Entertainment!"?

5 Pages  1 2 3 > » Top
 

Change to:
| Lo-Fi Version
0.1451sec    0.27    7 queries    GZIP Disabled
Time is now: 7th December 2025 - 05:14 PM