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Credit Cards HSBC Credit Cards V.2, Read the T&C before applying!

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fruitie
post Jul 3 2018, 11:15 AM

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QUOTE(Phirence93 @ Jul 3 2018, 11:12 AM)
Ok noted with thanks. But I think a bit weird as it such a big bank but use normal post.
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Quite a number banks use normal post too. I received my Citibank cards via normal post too.
Though most of them have moved to courier drop mail.
Aimanmohd
post Jul 3 2018, 02:01 PM

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Hello, I'm new to this credit card thing and I'm just applied for hsbc amanah credit card. I want to ask a few questions.

1. If I activated my card on 20/6 and used it straight away, do I need to pay the bill at the end of June or later on 20/7?

2. Do they notified you to make payment or if you have outstanding balance or you need to check by yourself at the end of payment period?

3. Can I pay the bill using other bank apps such as maybank app?

Thank you in advance.

Phirence93
post Jul 3 2018, 02:15 PM

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QUOTE(fruitie @ Jul 3 2018, 11:15 AM)
Quite a number banks use normal post too. I received my Citibank cards via normal post too.
Though most of them have moved to courier drop mail.
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Oh I see. Because last few months I received my Maybank Credit Card via PosLaju. Or maybe local "big" banks using courier service?

I just received message that my card only sent out yesterday. If using courier service, I think I already received by today or tomorrow, because I plan to bring it to use in overseas this week as it is more secure as compared to local bank issued card. Now I think can't.
micc7975
post Jul 3 2018, 04:52 PM

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QUOTE(seankeith90 @ Jun 26 2018, 10:17 PM)
Hi how long did u wait since u last spend the 2k requirements?
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May I know how long u spend RM2k ago u get this voucher?
yongs90
post Jul 3 2018, 05:09 PM

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QUOTE(Aimanmohd @ Jul 3 2018, 02:01 PM)
Hello, I'm new to this credit card thing and I'm just applied for hsbc amanah credit card. I want to ask a few questions.

1. If I activated my card on 20/6 and used it straight away, do I need to pay the bill at the end of June or later on 20/7?

2. Do they notified you to make payment or if you have outstanding balance or you need to check by yourself at the end of payment period?

3. Can I pay the bill using other bank apps such as maybank app?

Thank you in advance.
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1. If I activated my card on 20/6 and used it straight away, do I need to pay the bill at the end of June or later on 20/7?
Check your statement date. You pay 20 days later (after statement date)
Eg.
Statement date: 1st of every month
Payment due date: 20th of every month

2. Do they notified you to make payment or if you have outstanding balance or you need to check by yourself at the end of payment period?
HSBC will SMS to you when you have outstanding balance.
At the end of the day you still need to go to www.hsbc.com.my to check

QUOTE(fruitie @ Jun 29 2018, 11:54 AM)
Hmm. I will receive SMS from HSBC to inform my bill is ready to view and download. In the SMS will have statement balance amount, minimum amount due and due date.
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3. Can I pay the bill using other bank apps such as maybank app?
If your bills refer to TNB, Syabas, et cetera,
AND you were to pay using www.hsbc.com.my
You need to have security device.

Refer to my post Post #3970
https://forum.lowyat.net/topic/3457783/+3960

This post has been edited by yongs90: Jul 3 2018, 05:42 PM
Aimanmohd
post Jul 3 2018, 05:25 PM

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QUOTE(yongs90 @ Jul 3 2018, 05:09 PM)
1. If I activated my card on 20/6 and used it straight away, do I need to pay the bill at the end of June or later on 20/7?
Check your statement date. You pay 20 days later (after statement date)
Eg.
Statement date: 1st of every month
Payment due date: 20th of every month

2. Do they notified you to make payment or if you have outstanding balance or you need to check by yourself at the end of payment period?
HSBC will SMS to you when you have outstanding balance.
At the end of the day you still need to go to www.hsbc.com.my to check
3. Can I pay the bill using other bank apps such as maybank app?
If your bills refer to TNB, Syabas, et cetera,
AND you were to pay using www.hsbc.com.my
You need to have security device.

Refer to my post Post #3970
https://forum.lowyat.net/topic/3457783/+3960
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Thank you for the reply.

The thing is I'm a little bit late to read your reply, and I already make a a payment even though there's no statement date yet cause I thought I need to make a payment at the end of the month and I checked my CC balance is still there. What happened to the money that I paid?
jctasoga
post Jul 3 2018, 05:31 PM

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QUOTE(Aimanmohd @ Jul 3 2018, 05:25 PM)
Thank you for the reply.

The thing is I'm a little bit late to read your reply, and I already make a a payment  even though there's no statement date yet cause I thought I need to make a payment at the end of the month and I checked my CC balance is still there. What happened to the money that I paid?
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it will take 1-2 business days for the payment to show up on the online screen. not immediate. usually i do bank transfers and they will notify on sms to say you have rmxx.xx as payment.


yongs90
post Jul 3 2018, 05:41 PM

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QUOTE(jctasoga @ Jul 3 2018, 05:31 PM)
it will take 1-2 business days for the payment to show up on the online screen. not immediate. usually i do bank transfers and they will notify on sms to say you have rmxx.xx as payment.
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Adding in here, agree with the following.
it will take 1-2 business days for the payment to show up on the online screen.

Even though it is instant transfer or paying via cash deposit machine (CDM) before certain cutoff time.
micc7975
post Jul 3 2018, 06:17 PM

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QUOTE(coolguy99 @ Jun 26 2018, 08:24 PM)
I got my RM500 lazada voucher in my email today. Guess you really need to call up customer service to confirm first
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May I know how long u spend RM2k ago u get this voucher?
coolguy99
post Jul 3 2018, 09:17 PM

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QUOTE(micc7975 @ Jul 3 2018, 06:17 PM)
May I know how long u spend RM2k ago u get this voucher?
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1 month should be about that.
nickcct
post Jul 4 2018, 05:16 PM

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Hi, want to ask regarding the HSBC Amanah Cashback calculation. I was spent 2k in my last statement, however the cashback in my statement only count for the others (which is 0.2%), while my petrol transactions does not get any cashback (0 cashback from petrol). Is it normal?
yongs90
post Jul 4 2018, 06:05 PM

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QUOTE(nickcct @ Jul 4 2018, 05:16 PM)
Hi, want to ask regarding the HSBC Amanah Cashback calculation. I was spent 2k in my last statement, however the cashback in my statement only count for the others (which is 0.2%), while my petrol transactions does not get any cashback (0 cashback from petrol). Is it normal?
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Since, HSBC Amanah MPower Platinum's cashback is based on first come first serve basis (FCFS)
Probably RM1.5million cashback pool for petrol and grocery has been exhausted for that quarter?

If cashback pool for that quarter has been exhausted,
1. No cashback for petrol
2. 0.2% cashback for grocery

For more details
https://sp.hsbc.com.my/microsites/mplat-int..._09JAN_2018.pdf

This post has been edited by yongs90: Jul 4 2018, 06:12 PM
outpace
post Jul 5 2018, 01:19 PM

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Guys, how do you guys use VS to enter PPL HK, SG, MY, just flash the VS card can go in to eat and drink sit at their chair?

Can I bring family members in? kid?

Sorry, noob on all these perks


psiloveu
post Jul 5 2018, 01:34 PM

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QUOTE(outpace @ Jul 5 2018, 01:19 PM)
Guys, how do you guys use VS to enter PPL HK, SG, MY, just flash the VS card can go in to eat and drink sit at their chair?

Can I bring family members in? kid?

Sorry, noob on all these perks
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only principal card holder are free to use PPL services, other family members will be charged with 20-25% discount rate.
For kids, my experience was my child is two years old, no charge.

This post has been edited by psiloveu: Jul 5 2018, 01:38 PM
rayken
post Jul 5 2018, 01:56 PM

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no more RM500 voucher ah ?
MGM
post Jul 5 2018, 02:27 PM

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QUOTE(psiloveu @ Jul 5 2018, 01:34 PM)
only principal card holder are free to use PPL services, other family members will be charged with 20-25% discount rate.
For kids, my experience was my child is two years old, no charge.
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VS principal and supp cardholders are free to use PPL services.
psiloveu
post Jul 5 2018, 02:33 PM

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QUOTE(MGM @ Jul 5 2018, 02:27 PM)
VS principal and supp cardholders are free to use PPL services.
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When they started change to principal and supp holders?

I read the T&C (clause 3), only Primary card holders are eligible.

https://sp.hsbc.com.my/microsites/visasig/f...Update_2018.pdf
MGM
post Jul 5 2018, 02:54 PM

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QUOTE(psiloveu @ Jul 5 2018, 02:33 PM)
When they started change to principal and supp holders? 

I read the T&C (clause 3), only Primary card holders are eligible.

https://sp.hsbc.com.my/microsites/visasig/f...Update_2018.pdf
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Sorry I tot this is the PPL thread and outpace is referring to PBB VS, my bad.
saitong09
post Jul 5 2018, 07:19 PM

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QUOTE(rayken @ Jul 5 2018, 01:56 PM)
no more RM500 voucher ah ?
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RP got free Xiaomi Redmi 5
tekoo
post Jul 5 2018, 07:49 PM

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QUOTE(fruitie @ Jun 25 2018, 03:32 PM)
Last year I applied Amanah Plat just to get 0% cash installment but I haven't been spending a single cent with this card and have no intention to keep it. I intend to pay both 11th and 12th installment together and cancel my card. I think this is OK? I lazy want to wait till 12th month and see AF is charged to my card, so I need to call to waive AF and whatnot.

I will continue to keep the VS as it is more beneficial to me.
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Is it really no interest no hidden charge management charge whatsoever?
I thought first year AF is free?

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