I applied JustOne savings account via online and got approved the next day. Quick and efficient, probably because I'm also holding their credit card.

So, I chose my preferred branch is in PD as I'm on leave this whole week to collect my debit card and activate my account as well.

I was extremely pleased with the service rendered, very professional. Then, I was delighted that when the officer told me I'm entitled for a free power bank because I have their credit card and applied debit card via online.

Think back, the main reason I applied for their credit card was for the free cashback. And now I applied the debit card is for the Cirrus network which eases my short term assignment in overseas. I already have PLUS network from Maybank.

I feel bad.

I was surprised too while waiting for my turn to get my Debit Card.
The officer said because I have applied both types of cards via online. I'm not sure how true is that la.

I also called in to cancel in June before my GST kicked in July.
My GST is waived upon the call, AF is also waived... Moreover, they even credited RM 50 into my account to spend. No condition applied.
Now I have used the card and I may cancel it as I don't want to hold so many cards. Moreover, this card has no benefits at all, at least for me.

This post has been edited by fruitie: Aug 17 2014, 10:37 PM

I called to terminate my SCB Plat on Wednesday's night but until today nobody calls me to verify. How long does it take? The reason I ask is because I'll be travelling to overseas soon and though my phone will be roaming, I don't want to pick up calls to avoid expensive charges. I'll be back only a month later...

This post has been edited by fruitie: Sep 8 2014, 11:29 PM

I'm about to call them now to check if it is really cancelled.
My one and only SCB.

Updated: Called and they said received my cancellation request but it is still "active". I said I cannot tolerate a week without action and if you need any verification call, call me by today.

Somebody just called me and said I have "cancelled" once in June and I have somehow promised to retain it until next year's January because they waived my GST, annual fees and gave me RM 50 cashback. OK lo, I will keep in my drawer.

This post has been edited by fruitie: Sep 10 2014, 11:12 AM

Well, it is not a big issue for me. I also don't want to make them miserable, I can just keep it without using.
Why not when I get free money to use? But I will not entertain for the second retention though.

This post has been edited by fruitie: Sep 10 2014, 02:21 PM

To be honest, if they just waive AF and GST, I will not bother.
That time, on top of these, they even credited RM 50 into my account, I cannot say no to free money.

Looks like this SCB Gold cash back card is a good option for general transactions. I can forget about using AEON and PosOnline combo method. Wise move to discard this combo and jump ship to SCB Gold card?

Any hidden catch that I should be aware about? I will most likely use it for normal retails which are not covered by my other cards for e.g. PTPTN, auto-debit insurance, TnG reloads. I think it excludes insurance.

Spending RM 833.33 per month should be OK for me but RM 1.5k will be occasionally.

There is AF.

This post has been edited by fruitie: Oct 17 2016, 01:21 AM

I haven't thought about the promotion yet but just wanna see if it will really suit my usage.
Thanks for sharing though.

I'll just apply online if I really want to.

I think my first card with them 3 years ago was via online.

Alright but I checked RP site, no free gift for SCB Gold cash back. Other cards yes.

Too little cash back after deducting 2.12%.

I will see how it goes as I just recently fixed my PTPTN issue, I don't think SCB will approve me that fast.

No la, earlier my CCRIS is affected by PTPTN because I usually make payment one lump sum rather than on monthly basis. Last week went and adjusted it back, I don't think new banks will approve me.

I don't know if they allow but I will not dump FD to get a card.

Different people, different preference I supposed.
I can wait and won't simply throw my cash to somewhere else.

Never mind, not urgent, can apply when I think it is about the time.

Nope. It depends on banks, CIMB I know that has got rid of their Gold cards, all are now minimum Plat. For Maybank still requires at least RM 60k per annum to get Plat.

For SCB's case, yes as their Gold and Plat are both 24k per annum only.

Yeah, I know. I'm a very seasoned credit card user.