Wahhhhh I thought I was bad. Back then I only applied 2 - Hong Leong and Citibank. Hong Leong rejected but Citibank approved. But I went for the lowest Clear card la.

Fast forward 15 years, Hong Leong still rejected me. They asked me to apply, otherwise I can't be bothered.

Somewhere in between, got the free Direct Access from Jobstreet and never looked back.

It's good if you know how to invest. Otherwise, if you put into FD and get around 4.5% per annum, 12000 x 4.5% = $540. But you need to pay 1k installment every moon. So that 540 effectively becomes around $270.

I didn't look into details, but if it's the same as the Lazada promo, then you need to spend or balance transfer $2000 (and you have to pay interest around 2% per annum for BT) to qualify.

If you take the Lazada promo, you get $500 voucher. If you take the Public Bank promo, spend $150 on each card (Visa + Master), totalling $300, you get $288 shoppee voucher.

This post has been edited by beLIEve: Sep 2 2018, 11:50 PM

https://www.google.com/search?q=GOOGLE-YOUN...=utf-8&oe=utf-8

That's why I hate all the convenience given to save credit card details. Haven't save any on my computer or phone. If mine ever gets stolen, it'll be through merchants.

This post has been edited by beLIEve: Sep 3 2018, 04:39 PM

Technology and convenience allow this to happen.

Even some banks are giving free IBG and Instant Transfer only from mobile and not from computer. Password sent from phone, one time password also sent from phone. What it needs is some malware to grab both from your phone.

The other way is having all credit card details saved for convenience. Malware just needs to control your phone.

And of course, all the warez are asking for access to your phone contacts, SMS and everything else. If you disagree, they won't install or won't start. I don't see why they need everything. Computer warez never ask for all these.

Applied last week through their website. No response until today to ask for supporting documents but received some call from their telemarketers instead.

Yes, read that it could take up to 1 month for the overall application.

Yeah. Pay $25 to get $500 lazada voucher. Need qualified transaction of $2000.

I stand corrected. It's fairly common that their general number is totally quiet for about 30 seconds when they call you. Probably the caller muted the phone. So it's not telemarketer, especially when I've applied something from them.

They called again today and my application is conditionally approved. Yeah, I like the word conditionally.

Anyway, for the 12 swipes a year thingy. HSBC told me that it's once a month. I told them website says 12 times a year which is different. She said I'll have to call Customer Support for waiver if I swipe 12 times a year instead of once a month.

And have to go to their branch to collect, because it's biometric.

This post has been edited by beLIEve: Sep 6 2018, 06:55 PM

I stand corrected yet again.

Terms & Conditions for RM25 Cash Back Acquisition Promotion apply and valid from 1 September 2018 to 31 December 2018.

PARTICIPATION CRITERIA
6. Eligible Cardholders must during the Promotion Period:

a. Apply for any Participating HSBC Credit Card/-i via any channel;

b. Call to activate the newly approved Participating HSBC Credit Card/-i and create PIN (Personal
Identification Number) in accordance with the activation steps in the welcome letter; and

c. Perform one (1) transaction with no minimum spend using the Participating HSBC Credit Card/-i on
Eligible Spend (as per Clause 7 below) within the Welcome Period in accordance with the Eligibility
Criteria as set out in Table 1 below;
(the “Participation Criteria”).

ELIGIBLE SPEND
7. Eligible Spend for the Promotion are those that are charged to the Participating HSBC Credit Card(s)/-i; and

a. includes: local and overseas retail transactions (including online transactions), standing
instructions/ auto-billing; and

b. excludes: Cash Advance, Balance Transfer (BT), Cash Instalment Plan (CIP), interest charges,
finance charges/management fees, credit card annual fees and Service Tax.
(the “Eligible Spend”).

I think bank cannot subsidize $25. But can give cash back.

Yes. I applied through the HSBC website and this is the email address they used to contact me asking for supporting docs. I assume you replaced the o with 0.

Just remember to use it at least once a month for the entire year for annual fee waiver if you don't want hassles, regardless of what their website say. This is what the personnel told me when I mentioned their website says 12 times a year for eMpower. If 12 times a year, you have to call their support to get a waiver.

Unrelated to the above - what you guys said is real. Was at a shopping mall (I rarely go) and their promoters were chasing after me, especially the girl. Already apply still ask me to apply again.

This post has been edited by beLIEve: Sep 10 2018, 07:20 PM

Dont you just love it when the fine print says otherwise.

Promotion period: 9 July 2018 – 30 September 2018

Promotion Month Promotion Dates
1 9 July 2018 to 31 July 2018
2 1 August 2018 to 31 August 2018
3 1 September 2018 to 30 September 2018

Seems like common with HSBC. The other one is the 12 swipes a year vs 1 swipe a month.

You have to ask HSBC.

From my experience with autobilling and another bank's card replaced after expiry, the autobilling to the old card was still working fine for a few months. I didn't update it because I need to be present at the service center to update the card. Who wants to do that to pay others?

That should be an easy catch, if they want to pursue further. Unless it's not worth the bank's time. Time = $$$.

You're supposed to receive the code in email. From some earlier post, it takes around 6 weeks after you meet the minimum 2000 spending criteria. Could make it faster if you call their customer service.



This post has been edited by beLIEve: Sep 27 2018, 12:25 PM

Haha. Who doesn't?

Not sure what is credit advance. Balance Transfer? Cash Advance? T&C says you can do BT. BT will cost you 2% per annum if you're a new customer.

Tip ah. Wait until you have something expensive to buy. Then only apply. Or prepay your bills. That's all I could think of, without spending good money to chase after "bad" money.

I think you need at least 2 cards to do balance transfer. Card 1 transfer to Card 2.

Oh yeah, other than Lazada wallet, you can also try load money into BigPay. Quite famous here.

If you're just interested in the voucher, there are other options. Citibank has some offer for new customers. Public Bank also has RM288 (need to spend $150 per card with 2 cards), signup for autopay, spend another $88 and you get another $88 voucher. So spend a total of $388 and you get $376 vouchers. Citibank is something like buy $750, pay with the card and automagic deduct $500. So you pay $250 only for a $750 item. Or apply RHB through RinggitPlus and you get an Oppo phone.

This post has been edited by beLIEve: Sep 26 2018, 12:28 AM

For the benefits of others, the Security Device is required if you want to use HSBC Online Banking, even with your credit card.

It's required to Add Payee although the "What is the difference between Login with Security Device and Login with passwords? Click here for quick assistance" says you can do it with the Password login.

It should work without the Security Device for non HSBC-online-banking as any other credit card would. If it doesn't, who wants it?

I must've mixed up HSBC with Public Bank. Sorry about that. This has been corrected.

This post has been edited by beLIEve: Sep 27 2018, 12:26 PM

Wahhh like this big wok loh. I'm still in process of spending to get the voucher. Maybe they should change it to $500 cash back

Same campaign or different? T&C says same campaign cannot.

wahhhhhhh 3 moons to get it?

The t&c says cannot be same campaign la. It's not about cool off period. If your existing card is from previous round, I think before Apr, you can try anytime. They accept balance transfer as the 2k spending. New customer 2%, old customer 5% if I don't have memory crosslink.

Of course not. They're not waterfish.

I think there is some quota too, though I can't remember if it is for 250 or 12000.

This post has been edited by beLIEve: Oct 3 2018, 03:55 AM