After rejection, need to wait 3 month for online application or walk-in to reapply.

Can try appeal for some banks.

Means that, when AF and SST already charged to card, and bank site not willing to waive both, you need to pay the sst for the card and cancel the card wihout paying the AF right?

I think is the same as my citibank card. need pay sst and cancel card then the AF will reverse automatically. Providing that I do not use the card after the AF has been charged to the card.

How does the email Head title looks like? I scare my voucher send to junk mail wana re-check. TQ~

yaya..once receive and activated, can do all kinds of thgs till hit your credit limit.

Treat your card as your cash...then u can imagine what can your card does.

when your salary out. Do you need to sign up cash installment plan to use your salary?

Do you know what is cash installment plan? when do you need sign up cash installment plan?

Yes you are right. but you just got your cc, so fast wana become card slave? The process of taking out cash from cc is called cash advance.

Not advice to do so, is its just temporary solving your financial problem. For cash installment plan, it can be like you take out RM5000 or you buy an item RM5000 and you pay over a plan period e.g 3,6,12,18months.

For cash advance, 100% will have interest. But for purchase and pay over installment plan, there MIGHT be 0% interest one. (which I think this should be the function you utilize on your cc, that give you cash flow).

CC is not your cash ya...it gives convenience to people in make using of bank money first and pay back later (0 interest up to 50days)

For newbie, it is advised that you using it every month, pay full for statement balance before due date, recycle the process without any OVERDUE balance.

You need online register yourself.

Money from CC to bp is not transfer. Its like u use your cc to swipe at bp, which is money in bp. you can do it via bp app.

Use your cc wisely, don't end up become cc slave ya.

No la...I think most ppl here are smart to max.

Anyone facing lazada voucher from hsbc not valid?

Where to seek help?

Not using HSBC to pay. Its the RM500 code from HSBC, not valid when key in to lazada website.

Ya, I add my items via app, then try check out.


Before can check out, have to apply code 1st, not yet reach the payment page, the code already cannot use.

Ok....check with CS,

the voucher code do have activation date. Maybe this is the answer why voucher code cannot be use immediately.



This post has been edited by avinlim: Sep 28 2019, 01:57 PM

Nope, it doesn't have anything to do with HSBC card.

The code was assigned to be activated by 29 sep and I was using the code on 28 sep which is why not valid.

I checked out on 30 Sep without any hsbc card. successfully used the voucher code.

Usually for most of the CC interest charges...

Lets say you spend RM2000 on 1 September.

20 September statement out. (Statement balance RM2000)

Due date 10 October. You pay RM1999 on 9 Oct. (Overdue RM1)

Interest 18% p.a will be calculated on RM2000 from 1 Sep till 20 Oct(next statement that shows your fees)

roughly like 18% x 50days/365days x RM2000

Just for rough example for the interest you will kena if late payment. Lets say you pay RM1 at 11 Oct. then interest will be calculated from 1 Sep till 10 Oct (40 days interest kena charged for the RM2000)

Read again carefully ya.

Charge 50 days - is on the statement day. If you pay late, it will calculate from the date of your transaction till the date you pay in full.

Charge 40 days is if you pay on 11 Oct. Estimation from 1 Sep-11 Oct = 40days...

If you swipe ur card on 1 Sep...and you only pay back on December, means u got to pay interest from 1 Sep till December + the original amount you swipe (RM2000 + interest)

If you want to avoid all these calculation, just do like our sifu say. You swipe this month, statement out, you pay FULL on your statement amount before due date. No interest if pay FULL before due date every month.

You are correct. RM0.9 + bad record on your ccris report for late payment.

yes. Consider as spending. they will email you after like 3-6 weeks. just wait patiently and check your spam mail.

You sound like you are planning to put yourself into credit card debt soon.

your salary is more than 10k. sure no problem la.