Why am I not surprised? Oh yeah, because they hang up if you don't answer within a few seconds and only call back 1 day later. And sometimes when you answer, no sound from the other end and they still hang up after a few seconds.

How long you've been waiting? Mine was like 2 weeks, and due to some problems, I found out that the delay is with the people compiling your docs (to make sure everything is in order). Once they submit over to the people who processes your application, it was like <=3 days.

haha bad bad chicken. very soon I'll be joining the wagon. Still trying to make the best out of the non-cashback cards to offset the SST. If I couldn't, I'll have to terminate eventually.

within 2 weeks. dont worry too much though. most of the time is spent in the queue waiting to be processed.

T&c says only cannot be from same campaign woh

This said, i suspect they can just decline your application with no reason. This also should be in the standard t&c

Just spent some USD online for some exam and no OTP. It went through just like that, though I received notification that money has been charged to me card. Just glad I used this (had to, for the MYR500 voucher) instead of Public Bank's.

Went through even when me billing address is wrong. I was lazy to type, thinking OTP will ultimately confirm the transaction is genuine. 誰知, it just went through. Guess there's less fraud in the US that OTP is not required.

Even in the past, I don't recall getting OTP when I spent USD for exams.

This post has been edited by beLIEve: Oct 7 2018, 12:03 AM

No harm trying to inform HSBC. If lucky, you get it faster. If not, back to default waiting time.

I'm also getting the 0.2% cash back. It's as good as normal points, only you don't need to accumulate them.

I think higher chance if you have at least 12x in past year. If 11, you're at their mercy. And find out if annual fee is for previous year or next year. Meaning that, if not too late to cut, then cut the card loh.

I use Google Calendar with a Firefix plugin to automagically check mail whenever I open Firefix. I'm sure there are other smartphone warez can set monthly reminder.

I think waive also you have to pay first. Have to reconfirm with HSBC. After that you'll have to spend away the $600.

Those IT certification from Pearson Vue. If I don't have a memory leak, they are quite lenient with cards. Probably you can't run away with a stolen card because the cert will be under your name.

In my opinion, it's not normal. From their SOP, it's probably normal. When you file a dispute, include this in.

Then it's a mistake on their end isn't it? Even stronger case for you.

Pay first and file dispute form is normal. You have a strong case, and even stronger if you have a voice recording that they instructed you to allow the transaction through.

No. You're only entitled for only 1 promo.

You are welcome.

Tip of the day : If you don't want hassles with disputes, don't save your credit card details on your phone/account. If your warez save it automagically, manually remove it.

From my experience with several banks, emails are normally slow. I did a websearch for you, you can try https://www.hsbc.com.my/content/dam/hsbc/my...ispute-form.pdf. Or you can try searching HSBC's site. Did you use this form or just a normal email?



https://ux.stackexchange.com/questions/5009...ard-information



This post has been edited by beLIEve: Oct 15 2018, 02:23 PM

1. I remember I read 3 business days.

2. They told you to wait. If there is any problems as a result of this, ask them to replay the "your conversation may be recorded for training and auditing (or whatever) purposes".

3. Save or snapshot your phone logs with HSBC to prove you've already reported it instantly.

BTW, I think there's also some options to deactivate the Card-Not-Present transactions (I don't recall seeing this with HSBC, but I did not really explore it). You can do this to cards you don't use for online transactions just to avoid unnecessary problems.

You are welcome.

If you plan to use their online banking and don't already have an account, make sure you register there and get the security device. Otherwise you will have to go twice.

Follow the instructions to activate your card for the $25 cash back. Then register.

https://www.hsbc.com.my/1/2/HUB_IDV2/IDV_EP...IB-Registration

You are going to need that if you plan to do online banking with your card. If just for normal usage then you don't need to. You can't even add a payee without that security device thingy.

Yes that's the one.

As usual, t&c applies.

5. This Promotion is applicable to all HSBC ongoing credit card acquisition campaigns, excluding the RM250
Cash Back Acquisition Campaign/ HSBC Amanah RM250 Cash Back Acquisition Campaign.

https://www.hsbc.com.my/1/2/!ut/p/c5/04...AwMDAwMDA!/

If the link above does not work, go back to the main link and look see under "What is the difference between Login with Security Device and Login with passwords? Click here for quick assistance." Don't trust the Add Payer option under Password. It is not available.

First time free, replacement (if you lose or damage it) $50. Like I said, if you don't plan to pay anything with your HSBC card through their online banking, then you don't need it. Hassle it is, but you won't lose money if your phone is hacked. But if you start saving your card details on your phone and computer, the risks increase.

This post has been edited by beLIEve: Oct 16 2018, 01:25 AM

You aware you need to spend 2k each month to qualify 8%? The grocery is for a few selected merchants only. Petrol only shell, petronas, caltex.

I remember I've read it is once a month to waive annual fee. Sometimes they do allow 12x a year, but it'll be a hassle to get the waiver (pay first, rebate later).

I only have 1 card, but my guess is that you should be able to view multiple cards with 1 account. Check if you need to register the card first.

It'll cost them more if you cancel and reapply in the future.

For me yes, for HSBC, you have to ask them. They don't even recognize my 2000+ spending to qualify for 8% cash back on approved petrol stations. They said the 2000 must be spent on approved grocery shops and petrol stations only, then I qualify for 8% cash back. Spend on other things not recognized.

Collect at their branch. You nominate one that's most convenient for you.

This post has been edited by beLIEve: Oct 26 2018, 07:59 PM