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Credit Cards HSBC Credit Cards V.2, Read the T&C before applying!
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laymank
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Jun 9 2017, 10:23 AM
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QUOTE(SzeMeng76 @ Jun 9 2017, 09:35 AM) real case by my friend : new card holder approved, and applied for 0% 3 months BT & 1.99% 6 months BT. and the agent did mention to her about the retail transaction during BT period, this one ok she clear about that. comes to BT, she do BT 2k for 3 months, 4k for 6 months. she paid RM 1.3k per month. 3 months already up to now, but CS told her the installment will be settled the HIGHER BT 1st (so is settle the 4k 1st), at the end after 3 months, mean her 3 months BT have NO PAYMENT RECORD AT ALL, even she did paid. CS tell her either do early settlement or else the 2k will be charged 18% interest. CS never mentioned, should her complain? if only both BTs were of same tenure. one question though, shouldn't the credit card statement stated minimum payment required? as long as the minimum payment is settled, shouldn't be imposed finance charges, right? I see a valid case for complaint.
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laymank
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Jun 16 2017, 04:07 PM
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QUOTE(CuteSniper22 @ Jun 16 2017, 12:58 PM) Hi guys, does anyone know what is this "income document"? I already submitted my application with relevant docs : IC, EPF & Payslips, and then they sent me this email and ask for income document...!!? they want you to upload thru the link provided, not sent by email. you better comply to this, or else your application will be treated with 'incomplete documentation' and canceled.
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laymank
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Jun 20 2017, 03:24 PM
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QUOTE(seanlss @ Jun 19 2017, 06:09 PM) just call to the customer services to check about the lazada e-voucher, he said I will be getting an email from Lazada by end of this month or early of next month.. I thought is directly from HSBC?  it is from digital.support.myh@hsbc.com.my
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laymank
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Jun 23 2017, 08:04 AM
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QUOTE(vez @ Jun 21 2017, 09:10 PM) for the lazada RM500 voucher, can i pay the RM1k+ balance befure due, and wait for the voucher? or i shall wait until the voucher then only make payment? because i dont like having balance in my CC if i am able to clear it off  if i clear it off, will HSBC not giving me voucher??  The lazada RM500 gift voucher has nothing to do with your outstanding balance. No worries.
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laymank
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Jul 24 2017, 08:14 AM
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QUOTE(KeSToN @ Jul 24 2017, 07:24 AM) if may i know if the voucher comes as a RM500 voucher? or multiple smaller amount of voucher total up to RM500? thanks it's an e-voucher worth RM500.
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laymank
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Jul 28 2017, 04:09 PM
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QUOTE(mental007 @ Jul 28 2017, 02:09 PM) Im a fresh grad just working... how long i need to work in order to register credit card? preferably 1 year when you have your first EA form.
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laymank
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Aug 2 2017, 03:03 PM
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QUOTE(neo_6053 @ Aug 2 2017, 02:48 PM) hi guys for the RM500 evoucher on lazada, you will get it AFTER you spend RM1000 so that you can use it on NEXT purchase? or you will get it WHEN you want to spend RM1000 so that you can apply the code immediately? you meet the spending criteria first, then you should get the e-voucher code, for your use in next purchase.
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laymank
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Aug 2 2017, 03:19 PM
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QUOTE(neo_6053 @ Aug 2 2017, 03:09 PM) Thanks, bro. Then must spend on lazada or just spend on anything? it's a lazada voucher, so yes, spend on anything in lazada.
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laymank
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Aug 10 2017, 08:23 AM
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QUOTE(idoblu @ Aug 9 2017, 05:29 PM) nope,  if you are going to pay in full every month, there is no need to be confused with how the interest is being calculated.
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laymank
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Aug 22 2017, 10:54 AM
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QUOTE(Duckies @ Aug 22 2017, 10:30 AM) Eh I got a question for the HSBC credit card application promo. Currently there's 2 promo that goes with HSBC Amanah MPower Platinum. One of the promotion gives free RM500 Lazada when you spend more than 1000 and one more promotion is that they gives u Oppo A37 when you spend up to 1000 in a single receipt. So let's say if I books a hotel that's more than 1000 in a single transaction, does it mean I am qualified for both? you might want to check the T&C, does it state that you are entitle to one promotional win only? knowing banks who calculates more than 2 decimals, it would be wishful thinking to think that you will win both prizes with 1 transaction.
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laymank
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Sep 8 2017, 10:42 AM
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QUOTE(kevyon6 @ Sep 8 2017, 10:12 AM) i just got my hsbc card and it is a visa signature card. I was told by the CS that its free annual fee but now looking at the pamphlet came with the card showing an annual fee of rm600+ applies. They also credited RM12k 0% cash advance to my bank account already. Now after reading this thread, i'm thinking not to activate the card and return the 12k. What a scam. are you sure there is no penalty clause coming with the 12K cash advance for canceling it earlier? I am also interested to know what 'scam' did you discover?
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laymank
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Sep 18 2017, 03:19 PM
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QUOTE(beplouis76 @ Sep 18 2017, 01:38 PM) I do travel a lot for work or for holiday.. Yes, just the point only i guess if you travel a lot , why don't you go for AmBank credit card that gives you free access to plaza premium lounge?
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laymank
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Sep 18 2017, 03:56 PM
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QUOTE(beplouis76 @ Sep 18 2017, 03:27 PM) Got already.. unlimited lounge access and lots of buy 1 free 1 promotions. no need to keep hsbc then.
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laymank
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Sep 19 2017, 11:22 AM
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QUOTE(sj0217 @ Sep 18 2017, 08:17 PM) Only keen on the PPL feature on this card from my point of view. only limited to PPL @ KLIA only right?
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laymank
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Sep 19 2017, 02:14 PM
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QUOTE(sj0217 @ Sep 19 2017, 11:39 AM) Yup, as per T&C, no klia2 is available KLIA for Plaza Premium Lounge and The flight club Why not consider Ambank cards that gives no conditions and no AF, with PPL access in whole Malaysia as well as a few other countries?
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laymank
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Sep 26 2017, 10:49 AM
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QUOTE(mackcyber @ Sep 26 2017, 10:39 AM) Hi, My HSBC Amanah card was approved in 13 July, now waiting for RM500 Lazada voucher. How long you guys get your Lazada voucher and how do they send it ? Is it through email, snail mail or just SMS ? Tq.. got mine 3 weeks after statement date via email.
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laymank
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Sep 27 2017, 08:15 AM
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QUOTE(KeSToN @ Sep 26 2017, 06:14 PM) any special method to get it earlier or quicker? No, there is no way to speed things up. You are solely at their mercy.
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laymank
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Sep 28 2017, 10:42 AM
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QUOTE(luke00 @ Sep 27 2017, 07:52 PM) 3 weeks after 60 days/statement date? No, 3 weeks after first statement received.
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laymank
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Oct 26 2017, 09:41 AM
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QUOTE(agus_eko @ Oct 26 2017, 08:55 AM) Is there any fee for card cancellation? No fee for cancellation.
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laymank
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Nov 1 2017, 03:54 PM
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QUOTE(Belphegor @ Nov 1 2017, 03:39 PM) Nothing to prove also la, if he have his own ways, then good for him. No point to lie also, not like he gonna get something out of it for lying to me. Anyone gotten their RM500 voucher edi? Anything worthwhile to buy? I'm thinking to buy a phone.  I used it to buy a phone, too.
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