not sure if anyone ever claim before. prefer buy from external

did u inform hsbc that you will travel to US on the app? I have tested also after informed travel on these date to end date. Really cannot use the card except travel to that country.
i learned lesson when travel oversea. better to have 2-3 card with u. my friend got mbb cc, cannot use at hotel verification and payment (even try few days). end up, we swipe for him.
Another trick is prefer use oversea brand cc rather than local bank cc.
Sometimes, when fail to use that card, i can use another card for purchase. experience few times on this event.

yup those few

u must make sure got use the card. if less transaction in total, high chance they wont give

yup i did that. they will gave after 2 month.

call cs

hbsc never get reward eveything i participate. so now dont bother as well

visa signature - yes. 1 month must swipe at least once. not 12x. if u miss of the month, then dont count.

i'm still using it as easy to meet requirement for annual fees & as secondary card when go oversea. Sometimes 1st cc having issues so good to have a 2nd card rather than nothing.

oversea use can easily get 5x. then can redeem rm50 cashback when hit 24k point

hsbc travel notice set on app got problem? everytime i turn on this, after few hours fraud case from US transaction multiple time happened.
Now my cc been blocked. Lucky i got bring extra CC when travel. So unsecure when use HSBC CC

contact bank

I thought visa signature can access lounge. since when changed? refer to https://www.hsbc.com.my/content/dam/hsbc/my...-conditions.pdf

This post has been edited by ericlaiys: Apr 25 2024, 03:55 PM

SC Journey

u need to constant use it else no point waive u sst as you are consider passive user. passive user bring no income to bank.
bank still business. profit come first

Add-on:- https://ringgitplus.com/en/blog/credit-card...cDDcvx0BO9oOlcw

too complicated card with multi tier cashback

terminate before 1 year end...

SC also same. they changed tnc...fight till need proof by showing old tnc vs their new tnc. luckly i save old bank tnc

This post has been edited by ericlaiys: Jun 27 2024, 07:37 PM

nothing related to BNM. it is depend on bank good will. besides, it is always a risk that bank wont waive annual fees. TNC did not say this card can waive annual fees. Some sites say use 2k or swipe 12x to waive however u wont find this info from bank tnc. That why always check bank cc tnc. U will lose if u don't have any doc tnc from bank to support it.
your best try is pay off the outstanding, cancel the card and see if retention team allow to counter offer.

You can read page 1 on this topic.

my bad experience is on Standard chartered. they revised the tnc and did not honor my welcome gift after 6 month.
Keep say new tnc does not meet requirement. Lucky I save the old tnc and showed to them. then they admit changed the tnc and give me welcome gift as they sure lost when I bring to bnm. However, I already dislike that bank as they did the same for jumpstart promo. So I 've terminated SC cc, follow by saving ACC & lastly jump start. say bye bye to that bank forever. Lesson learned, initially I plan to apply HSBC VS but found this loopholes. Therefore abort applying this card.

This post has been edited by ericlaiys: Jul 8 2024, 10:52 PM