based on my conversation with the HSBC officer, their BT is a bit different which mean if you have BT from their card, better don use for any purchase if not better make payment to the card immediately if not there will be interest charge. so my advice is after BT just keep it inside drawer.

Oh ya.. previous campaign..

What about people have Cash Installament Plan? Also cannot use rite?

If you get installment plan 1.88% or 2.88% one (im taking this one), it convert one of your transaction to 6 month or 12 month. This type it will show separate category with how many balance left in the installment and it will show the one time installment in every statement. So you just follow how much balance it shows and make full payment accordingly. However, if you took the 0% balance transfer, it will only show full amount of BT, without split them into 12 month or 6 month. So it is dangerous to use as it will be very confusing if you don't know how to count how much you need to pay. You still can use the card after BT, just it is very high chance to be charged interest.

Hi guys, is the cash rebate 8% for HSBC Amanah Mpower based on transaction posting date or transaction performed date.

Say I got a auto debit insurance transaction date is 31 March and posting date is 2 April.

Dear all,

Just sharing, when performing payment to ur HSBC credit card, please make sure u perform ur payment 2-3 days in advance before the due date. If the payment fall on a weekend please make sure to give 1 more day extra for the fund to be credited and cleared.

As in the past, based on my dealings with other banks, they allowed a grace period of 2-3 days for the payment to be cleared before the finance charges kicks in. On my recent encounter, i was impose with finance charges from HSBC due to they only received my funds after 2-3 days upon my transfer through inter-bank. Further to that, my statement due date was on a weekend, hence no processing was done during the 2 days.

To avoid such charges, please be extra careful when dealing with HSBC.

I have requested for cancellation, as im unhappy on the dealing, and i do foresee potential recurring charges for my upcoming bills. Then its a end to my HSBC.

hi haru, you can call up the CS to ask for leniency. if the amount is not large or you are regular good paymaster, they have no problems to cancel the charges.

I have requested them to waived it, but they say the occurrence of waiver can only be perform every 6 months, since i have waived my last month finance charges, they are unable to perform for the current month. Monetary wise the finance charges is just barely RM10, but its the hassle require to follow up and called up each time.

Therefore, moving forward please decide ur waiver wisely as u only have 6 months buffer. Im not aware that other banks having such practice.

Do be extra careful on dealings with HSBC, they seem to have change their SOP. Been a loyal HSBC card member since 2011, been granted auto waiver on the annual fee but due to the hassle of calling and appealing to them, maybe i shall call an end to my relationship with HSBC.

hi all, what u guys think about this promo? anyone tried? lazada rm500 voucher

https://sp.hsbc.com.my/lazada500?utm_source...&utm_medium=FBX

received voucher a few weeks ago already.

Thanks for info laymank

do u wait after 2 months only get the voucher? i can swipe RM1000 within 1 month, still need to wait after 2 months only get the voucher?

Wow, that's dangerous, no wonder they like to offer 0% BT during the time you apply New Card online (Take Bundle).

Somemore, they offer existing credit card member to get Gift for other New CC, other bank like PB, SCB, RHB don't have such practice to give new gift to existing customer when you apply for another card.

Thanks a lot for the advise given.

Hi, once you get Finance Charges, it means that Late Payment am I right?

Will this affect the Credit Report that you are not a good payer?

Please share if you know regarding this.

Thanks a lot

It's subjective.

If you hold 5 CC and you only got 1 remark for late while others are spotless, basically you're still in the clear.

I remember getting it within 5 weeks after first swipe.

Woh. Tat is fast. Thanks.

Hi,

So we need to call them in order to retrieve the RM 300 Lazada voucher?!!
I also applied this card in Dec 2016,
they called me and told me that just need to swipe once in order to get this voucher..

Until now no sign of getting this voucher,
btw, you got RM 500 which is higher than the compaign value?
GREAT!

Today will be my 1st call..

i swipe more than rm1k+ within my first month......
but i apply the card during rm300 campaign....
so i jz happily accept their rm500 voucher(new campaign stated rm1k within 60days)...lolx

for ur case,i not very sure la
because last time when i apply,my bro told me must swipe min rm1k to get lazada rm300 voucher
then i see online for the t & c....they put only need single swipe....so i have no idea....
so i jz go n swipe rm1k for precautious.....at least can get rm300 from my rm1k spent...not bad la....

u can try call n ask see how they reply....
for my case,i fullfill every requirement before i call...i direct shoot them after i call the 3rd time....
keep explaining the reason to call kinda piss me off....

if i not wrong,there are forumer here get rm300 in single swipe...mayb u can try ask him....

Any terms and conditions using the RM500 voucher?