Hi,

I would like to ask does SCB offer annual fee waiver? or we can just call CS to waive it(chances low or high)?

SCB website? i dont see got promo for this card https://www.sc.com/my/campaign/cashback-gold.html
only for certain card only?

Hi All,

I would like to ask regarding the SCB cash back gold card. let say i would like to qualify the 5% rebate, it has minimum spending 1500, and 1000 excluding Petrol and insurance.

DOes it means if I only spend 1000 for non petrol and insurance, I still able to enjoy the 5% rebate?
or I still need to spend until 1.5K? and for non Petrol and insurance spending must exceed 1K?

This post has been edited by HenryJay: Apr 19 2016, 09:49 AM

Thanks for your clarification

so, the luggage still got stock? otherwise apply at ringgit plus can get smarttag and touch n go more worth it.

haha, the requirement I still need few years to achieve it

hmm, this is interesting, because i saw from their website's T&C, seems like only applicable thru their website

maybe previously SCB just giving put for those who apply their credit card

oh snap, i just applied thru their website, can I reject the application and apply again thru ringgitplus?

scb really took fast response, reject my application within 10 min after I applied thru Internet.

This is because I havent pay full outstanding balance of my ptptn, and I just made the full outstanding payment yesterday, wanted to test whether they will still accept my application even if my ccris report indicate i have owe ptptn.

This prove that CCRIS will only updated on monthly basis and u will never get approved for credit card application if u owe ptptn money.

haha, i lack of knowledge

from what i observed, your ptptn payment record will definitely added into ccris if u owe ptptn for approximately 24 months give or take few months.

all my friend who also graduated at the same time, blacklisted by ccris almost at the same period and time frame.

haha, i was just saying what i observe, if u encounter diff case, that is ur case

i went to to bnm check my ccris last 2 weeks, there were no record until last 3 months, sudden appear 3 months with "24". "25" "26"

I did lack of knowledge regarding this, but i got did my homework, if u think i was just simply say, u can just ignore me without reply me haha

This post has been edited by HenryJay: Apr 23 2016, 12:51 AM

i know this, but i was thinking like this because i had 9 credit cards (now remain 6 cc), i have clean '0' in ccris report in past 12 months with utilize almost all the credit limit, plus 1 hire purchase record(also perfect record)

So, i thought bank "might" consider I will still make full repayment every month for credit card even thought i owe ptptn money, as a result, that was just my "thinking" only.

Anyway, i already made full outstanding payment. waiting ccris report updated, then proceed to apply more credit card.

*I didt pay ptptn simply i was naive i tot i can just ignore this same as what my seniors did. this is wrong and i will not do this mistake again, haha

This post has been edited by HenryJay: Apr 23 2016, 12:53 AM

Some ppl said we can just call SCB for waiver

I was funny that SC called me after 1 day my application got rejected. the officer offered me gift if I apply again after my ccris report updated.

i have outstanding balance on my ptptn loan, but i already made a a full payment.

the thing is, sc should be dont know i have paid my outstanding balance, but they still call me. very weird

Maybe they want to still offered me the sc credit card even though my ccris report was bad at 1st place, i was the one told them i knew why i got rejected and i have paid the ptptn outstanding balance. What if i didt told them? they called me because want to offer me something right?

i also agree with u, i think for those card explicitly mentioned how u can enjoy free AF waiver cannot/very hard be waived, but seems like both scenario not applied to SCB according to some ppl's comment. (is it applied to SC Air miles card?)

I spent over 30K in my most basic UOB classic card but the bank officer still dont want to waive for me...

This post has been edited by HenryJay: Apr 27 2016, 05:42 PM

haha, they should send 3 luggage to you and rm50(since only 1 application)
if no, u should reject 1 of the card and apply again

last time i awas so stupid, telemarketer offered me 2 credit cards without any gift and promo, i did actually accept it, what a fool

btw, currently what scb offered for credit card promotion?

you most probably got confused by the ringgitplus, the cash back will not calculated by all the amount you spent x the max tier

the calculation will 1st deduct the previous tier's amount then times the percentage

update ：sorry, i mixed up this with alliance younique

this card you were right about it, you need to spend till 800 to enjoy the new tier, but you should spend until 833 to enjoy full rm25 rebate, if you spend only 800, the rebate only rm24, haha

This post has been edited by HenryJay: May 30 2016, 10:58 AM