QUOTE(swanchew @ Dec 22 2024, 05:45 AM)
I honestly forgot to even check hahaha But I don’t remember paying extra 10k for the card so I guess it stayed ?
Credit Cards HSBC Credit Cards V.2, Read the T&C before applying!
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Dec 22 2024, 08:31 AM
Show posts by this member only | IPv6 | Post
#11621
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Senior Member
1,185 posts Joined: Nov 2020 |
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Dec 22 2024, 01:34 PM
Show posts by this member only | IPv6 | Post
#11622
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Junior Member
463 posts Joined: Jan 2003 From: Penang |
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Dec 22 2024, 04:54 PM
Show posts by this member only | IPv6 | Post
#11623
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Senior Member
1,185 posts Joined: Nov 2020 |
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Dec 22 2024, 05:28 PM
Show posts by this member only | IPv6 | Post
#11624
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All Stars
17,496 posts Joined: Feb 2006 From: KL |
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Dec 22 2024, 09:24 PM
Show posts by this member only | IPv6 | Post
#11625
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Senior Member
1,185 posts Joined: Nov 2020 |
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Dec 22 2024, 09:25 PM
Show posts by this member only | IPv6 | Post
#11626
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Senior Member
1,185 posts Joined: Nov 2020 |
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Dec 22 2024, 11:22 PM
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All Stars
17,496 posts Joined: Feb 2006 From: KL |
QUOTE(sadlyfalways @ Dec 22 2024, 09:24 PM) QUOTE(sadlyfalways @ Dec 22 2024, 09:25 PM) Also I’ve never seen anyone doing illegal money transfer by sending money to the credit card instead of account haha not sure. not my money. |
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Dec 23 2024, 10:04 AM
Show posts by this member only | IPv6 | Post
#11628
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Senior Member
614 posts Joined: Nov 2011 |
This morning I was greeted by a notification on a cc transaction made in HK for YSP*Isinlloc.
Quickly block the card using the bank app and called cs to lodge a complain. Be extra vigilant especially during festive season like now. |
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Dec 23 2024, 10:46 AM
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Senior Member
7,349 posts Joined: Aug 2015 |
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Dec 23 2024, 12:14 PM
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Junior Member
463 posts Joined: Jan 2003 From: Penang |
QUOTE(coolguy99 @ Dec 23 2024, 10:46 AM) Erm I got this before. Mine is for when I make payment for my HSBC credit card from my HSBC acc. That is when the CCHU will appear for me. I recheck again and it seem like CCHU is a payment made from normal account to credit card which is pending for validation. The status reflect after the payment is done after 1 or 2 days except public holiday. This status will disappear after the validation or payment is fully completed. This confuse me since the amount can be +positive and after verify can be -negative which make the balance from +100 to -100. Anyway account balance is correct but sometimes it delay to reflect the payment to total balance which completed and done especially in the midnight. |
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Dec 23 2024, 12:17 PM
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Junior Member
463 posts Joined: Jan 2003 From: Penang |
QUOTE(sadlyfalways @ Dec 22 2024, 09:24 PM) Possible without our knowledge. Because I didn't make any payment on Sunday yet it reflect a transaction payment made on Sunday. Surprisingly, my total balance is still the same. |
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Jan 22 2025, 04:42 PM
Show posts by this member only | IPv6 | Post
#11632
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Senior Member
2,115 posts Joined: Mar 2009 |
QUOTE(cute_boboi @ Jul 13 2021, 11:39 PM) I"m very free now, so let me share more juicy details The same concept applies to annual fee right? I got charged annual fee and I requested to cancel but they disallow and say I must pay the annual fee first ..Write down all the important dates and times you contact/call/email HSBC CS. e.g. 1-Jul 11:05am called CS to request cancel. CS offers 3 swipes, but I decline to continue CC, etc. 7-Jul 2:45pm email CS to follow up, asking why still not cancel 13-Jul 1:55pm called CS again but they are not willing, etc. You must do your work above few times with several working days gap, to show you have tried your best before approach BNM. That's what I've been doing when I burn the bridges with banks for the past many years, but that's another story for another time. Submit these as data to BNM when you lodge your complain, providing justification I mention above earlier that SST is "prepaid" or "in-advance", then wait few days to a week or max 10 days, provided you do your homework above with complete details. Otherwise BNM may ask you submit more details. If all done in order, you will receive email from BNM to HSBC, cc you, requesting HSBC to respond within 7-14 working days Just sit back, relax and you will get funny replies from HSBC, so called local-global-bank-whatever Continue your banter with HSBC. HSBC may still want to argue, but you stick to the "in advance". At the end, die die to keep face, HSBC will waive it but phrase it in a way to save face and still put the blame on you I chose not to continue to argue with them, that it is not HSBC gesture of goodwill, but that is my right as a consumer that I am entitled to not pay the SST and to have the CC terminated. It's that simple right and we don't have to go this route. BTW, why not you try until the end and share here for other reference as well ? Yes, I drag this SST issue until few ringgit for the late payment charges and stick to my ground and continue to play the game. In my case, I have strong CCRIS and CTOS so it doesn't affect my future credit/loan application after that. I've shared my portion already, your call |
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Jan 22 2025, 05:07 PM
Show posts by this member only | IPv6 | Post
#11633
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Senior Member
2,115 posts Joined: Mar 2009 |
QUOTE(NooooB @ Aug 2 2024, 01:51 PM) UPDATE I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advanceIt really depends on the CS who attended to your case. Today, I called again, and this time, the CS helped me cancel without asking me to pay the annual fee. |
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Jan 22 2025, 05:47 PM
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Senior Member
7,546 posts Joined: May 2012 |
QUOTE(adam1190 @ Jan 22 2025, 04:42 PM) The same concept applies to annual fee right? I got charged annual fee and I requested to cancel but they disallow and say I must pay the annual fee first .. QUOTE(adam1190 @ Jan 22 2025, 05:07 PM) I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advance yes correct. You cannot cancel the card if got outstanding. Nowaday all bank smart and dont want to waive annual fees. So better terminate card if u dont meet the requirement or expect got waive annual fees |
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Jan 22 2025, 05:56 PM
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Staff
72,772 posts Joined: Sep 2005 From: KUL |
QUOTE(adam1190 @ Jan 22 2025, 05:07 PM) I am using the t1 card and they refuse to cancel the card if I don’t pay for the annual fee which was charged in advance I only had this problem with HSBC and had a long dispute with them on this, they finally gave in and allowed me to cancel without paying. That also took almost 2 months.On another hand, Maybank won't have any issue on this. They won't force you to pay and proceed to close it. |
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Jan 22 2025, 06:24 PM
Show posts by this member only | IPv6 | Post
#11636
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Senior Member
2,115 posts Joined: Mar 2009 |
QUOTE(fruitie @ Jan 22 2025, 05:56 PM) I only had this problem with HSBC and had a long dispute with them on this, they finally gave in and allowed me to cancel without paying. That also took almost 2 months. I called again the customer service and he say card cancellation department will contact me in 3-5 working days..On another hand, Maybank won't have any issue on this. They won't force you to pay and proceed to close it. By the way, for your case, is it the first customer service contact point person or the card cancellation department doesn’t allow you to cancel without paying? Thanks. |
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Jan 22 2025, 06:33 PM
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Staff
72,772 posts Joined: Sep 2005 From: KUL |
QUOTE(adam1190 @ Jan 22 2025, 06:24 PM) I called again the customer service and he say card cancellation department will contact me in 3-5 working days.. Customer service and then I escalated and someone shared the email address here for complaint, I dropped them an email and they called to discuss.By the way, for your case, is it the first customer service contact point person or the card cancellation department doesn’t allow you to cancel without paying? Thanks. |
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Jan 22 2025, 07:48 PM
Show posts by this member only | IPv6 | Post
#11638
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Senior Member
2,115 posts Joined: Mar 2009 |
QUOTE(fruitie @ Jan 22 2025, 06:33 PM) Customer service and then I escalated and someone shared the email address here for complaint, I dropped them an email and they called to discuss. Do you still remember the email address just in case I need to use it hahaI think it should be complaints@hsbc.com.my? This post has been edited by adam1190: Jan 22 2025, 07:49 PM |
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Jan 22 2025, 08:45 PM
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Staff
72,772 posts Joined: Sep 2005 From: KUL |
QUOTE(adam1190 @ Jan 22 2025, 07:48 PM) Do you still remember the email address just in case I need to use it haha Yes, that email address.I think it should be complaints@hsbc.com.my? adam1190 liked this post
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Jan 22 2025, 09:36 PM
Show posts by this member only | IPv6 | Post
#11640
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Senior Member
2,376 posts Joined: Dec 2005 |
Mine they supposed to waive if i do at least one transaction per month.
So far they had been waiving for me without issue. |
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