Thank u very much for details and email contact. Will write one using chatgpt to shoot to hsbc. They really made their employees life difficult too

I also do not have any spending after the first AF charged to me, now only accumulate sst and af and finance charge.
Yetserday said already cancel all. Today said must pay sst only proceed with cancellation.

Then i said since u want me to pay sst , sst is for one year, i continue to use the card loh. She said NO, pay sst is the condition to cancel the card with AF and finance charge waiver. I will do as per adviced above first, wish me luck no need to go to BNM

I decided to stop talking to the CS and went to the email address shared by sjz. It worked that way though not directly and instantly.

Yup. Same. She repeated the template she was given. Before i drop the phone i told her to find a better conpany, this company not keep promises and do u turn thing. Not a good company to stay

Will email today. Really make my day bad

Noted. Thank you both.

the record will stay for a year after card termination

I see. On another note, I think it was updated back to "0" as HSBC issued a release letter to get it updated on CCRIS. I just checked my email as I cannot recall anymore. Regardless, one "1" on the record doesn't really hurt.

chatgpt :

To date, I have not spent a single cent using this card. The annual fee and SST charges were entirely unprovoked, and I have made every effort to resolve this amicably. I am extremely disappointed with the handling of this case, the misleading information provided, and the lack of follow-through.

I am therefore requesting the following:

1. A full waiver and reversal of the annual fee and SST.

2. Confirmation that the TravelOne card account is cancelled with no further charges or statements to be issued.

3. A formal apology for the misleading and inconsistent communication from your customer service team.


does no.3 is needed?

lolz

No. 3 is not needed.

haha..yes

i think once the card is cancelled.
it will gone from CCRIS record.
so even 1 won't hurt since it will be gone together with the card being cancelled.

Does e-wallet topup get u x5 reward point for Visa signature?

Yes but what's the point? You need 50,000 points to redeem RM100 shopee voucher. Which means RM10k spending for RM100 reward. That's 1% only. Plenty of better card which offer more like HLB Sutera card.

forgot to pay and had due, being charged Rm10 late payment. can request to waive?

call bank and request

This is a bummer...

https://www.hsbc.com.my/content/dam/hsbc/my...-redemption.pdf

ah...bummer...

I just had the time to login to check eCCRIS and no, nothing is showing for HSBC anymore. The whole HSBC record disappears.

This post has been edited by fruitie: Jun 6 2025, 05:09 PM

I Have been using the HSBC Amanah Platinum card for few years.

Last month suddenly got a called from HSBC saying that i'm eligible for the new Visa Signature card. Tried to say no, however she insisted that i tried the card first.

Now i have received the new card in my mailbox. If i didn't activated it, i shouldn't have to pay the AF and SST, right?

What is better for this visa signature card anyway?

certain transaction got point and lounge access.
Applepay 1x.
Shopee -1x
Lazada - 5x
Oversea - 8x but got limit

Planning to cancel this card soon