Wah RM800++ annual fee... very premium credit card you have there

i tot the 20 inch bag is only after Rm2k spend within 2 months?

I just apply a clear card in 1 utama, quite efficient.
Friday apply, Monday call me confirm address, then approval at same day.
tuesday call me for collection.

but there are something that i confuse, the representative in the booth told me that I have to spent for 2k for the trolley bag, which most of mentioned 1.5k only.

and also, I applied last friday, 31 Jul, how do I know when should I pay ( she say first year AF waived).

please share me some info!
Thank you in advanceeee !

I have similar experience in the past with alliance bank. They block all my internet transaction. When called, they say worry of fraud and can try again. When try again, same issue. Then the CS say only one internet transaction per month are allowed. Basically all are rubbish. I stop using the cc for 2 months and re use again, everything settled. Not sure whether my experience will help in your case or not

Citibank is the most efficient bank. Applied my cards in April. Approved within 3 working days. Got my cards via Pos Laju within a week . hit rm4k in 3 months and got my 2 luggage bag in July. Standard Chartered took me a month to get my card.

Yes. It was the most efficient bank in the past. Now seems....hmm.....I experience the same as yours years ago when I applied the card. Luggage bag also very fast. Now..... Better let other forumer to comment

I have cards from HLB, OCBC, Maybank, Amex, Citibank, SC and UOB. I would say Citibank provides the best CS.

It's a soft trolley bag, 2 roller one. Which redeem on the spot after approval.

Not the trolley case with 4 rollers.

It was very fast for my case too!

I applied thru sales booth on Sunday about 10pm they were closing soon their kiosk for the day.

The next day morning received an SMS, its approved. Got a call by someone at 2pm said you can collect your card its with the agent already. So collected my card at 7PM Monday. Whole process took less than 24 hours.

My ATM PIN has arrived earlier than my card.

so we can use the pin at oversea with those terminals that require to key in pin?

I applied on last monday, yesterday only received SMS stating application approved. It took more than a week via online application.

Not sure ... but you no need PIN to swipe also. The transaction will go through.

no! our cards don't have that pin
when you are overseas and presented with those terminals, directly hit the enter (green button)

the PIN is for ATM cash withdrawals.

Can I ask if I can give to insurance company my credit card details for premium payment. Anyone doing payment using recurring basis by authorize Credit Card company for payment? Thanks!

This shall be monthly recurring payment.

U need to get a form from your insurance company to authorize them for recurring payment. I am charging my premium to my card monthly

Sign up for auto debit.

Thanks. I will ask my agent about this. I actually quite sceptical about insurance and the way their charging until as of yesterday still doing the manual way of payment

But doing autobilling via cc will save a lot of time and energy. If the autobilling is done by using a cash back type card, will I still get the 0.2% CB as other retail expenses?

Yes. 0.2% of cash back and it should be unlimited.

Thanks.

0.2% CB and save time and energy