Yes first time it's free.

Without token, it's almost read-only.

Cannot add account for payment loh. In short, just explore see if the online banking does what you need without the security device before you trouble yourself going to the branch to get one.

Actually that security device is only needed for certain transaction on the HSBC website. For normal credit card use, you don't need it. Unless you have a lot of transactions that need to be carried out instantly, you can leave it at home.

I second that. All the way up to the group that reports to the big boss also same.

you need to apply through the promo link. Otherwise you won't be able to get the 500 bucks voucher. They have multiple promos going on for the same cards.

They ask for everything and give low credit limit.

Std chartered didn't ask me for that instant printout but I offered them to avoid giving my total EPF savings figure.

Keep extending then people who got the gift from this campaign cannot get another gift by applying another card.

Seems like HSBC.

Digital Support MYH <digital.support.myh@hsbc.com.my>

Dear *******,


Congratulations on getting your new HSBC Credit Card.

As part of the HSBC Credit Card Promotion with Lazada, you are entitled for RM500 Lazada e-Voucher.

To claim your gift, simply fill in this code on your next purchase with Lazada: **********

I never received any gifts automagically. The last time I ask ringgitplus, they told me to wait till 30 days is up, then they help settle for me.

actually, among all the banks, HSBC seems extremely cautious with credit cards. So it's possible they want physical thumbprint to validate information. But it's weird they use WhatsUp or personal mobile, so better to validate it's really them. The request for all these thumbprints (probably to printout IC details or EPF) or whatsoever should come from a 03 number belonging to HSBC. Once the 03 confirms that someone else will be calling you, then only entertain 01x calls.

When you can apply after logging in to maybank2me or cimb, it means you're an existing customer. Obviously they don't need so much verification if you're already an existing customer.

Some of us even get to add additional credit cards through a phone call without any documents.

To me, Amanah's cashback term is pretty restrictive. You only get x% cashback from selected merchants, including petrol. Otherwise, you get 0.2% only.

For my case, even their approved grocery merchants are far from me home.

Mine was from an earlier period, but it took like 1.5 months+.

I don't think they know you fulfilled the spending on Dec 6 until your statement is out, as I don't think banks will keep spying on the accounts of their clients. Once statement is out, they'll probably arrange to get the voucher for you, and it doesn't happen instantly of course.

This post has been edited by beLIEve: Jan 24 2019, 12:32 PM

I don't remember exactly, but I do remember they're a bit slow. Give 2-3 days and see.

as far as i remember, it's calendar month. So my first statement no cash back, second statement only yes cash back. Not at my computer where I store my statement now but quite sure I got this right.

Interesting. The PDS did not say first year waived for this card. Only the world mcard got. I thought last year all first year waiver.

The PDS says 1 Jan 2019. 2 months ago follows 2018 PDS.

Any reliable source telling you that high CL could affect other applications? As far as I researched, one of the factor that determines your credit score is the % of credit utilization. Another one is the number of loan/card applications you made in the past 6 months.

You can test at MyFICO for free. I got a range similar close to David's score. But if I "reduce" my debts further and "did not" apply any cards in the past 1 year, I get 775 – 825

This post has been edited by beLIEve: Feb 13 2019, 08:55 PM

https://www.myfico.com/fico-credit-score-es...ator/estimator/ almost same as CTOS. So if you play around with the figures, you can know what to do to improve your scoring

This post has been edited by beLIEve: Feb 13 2019, 09:42 PM

2 person did the test, ctos and this very close to each other. This one you can keep playing for free.

Ok don't want to stray away from HSBC thread.

If you remember your primary and secondary password, choose the password option loh. Without the security device, can't do much transactions.