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Credit Cards HSBC Credit Cards V.2, Read the T&C before applying!
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justanovice
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Dec 16 2016, 04:51 PM
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QUOTE(laymank @ Dec 2 2016, 03:11 PM) Yup! I was just slapped with 'CB on 1st come 1st served basis'. Waiting to hear from second contest which I have participated and supposed to be paid out first week of December (12 weeks). If still tell me 'first come first served basis', I will tell them to fly kite! Can we enquire on the quota (if the first come first basis) has been fulfilled?
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justanovice
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Jan 25 2017, 05:43 PM
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QUOTE(Pink Spider @ Jan 21 2017, 06:46 PM) Hi guys, In your experience, from applying online to getting the card and the Balance Transfer amount, roughly take how many working days? My recent case, 8 working days for cash to reach cc acc
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justanovice
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Jan 25 2017, 06:49 PM
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QUOTE(Pink Spider @ Jan 25 2017, 06:06 PM) Lucky I no wait...I settled using my own cash, and elected for the 2.88% Cash Instalment Plan  May i know the CIP took how long to process till transfer to acc?
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justanovice
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Feb 2 2017, 04:06 PM
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QUOTE(Nymphetamine666 @ Feb 2 2017, 04:03 PM) For 688 rebates = Is 2400 units. Still a lot leh. I call their CS asking i number berapa, they dun want to tell...😂😂 Somehow i feel a lot if people already utilise it. Thats why CS don't want to tell lol
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justanovice
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Feb 10 2017, 06:14 PM
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QUOTE(zaoldyeck @ Feb 10 2017, 06:06 PM) Just received new HSBC card under the signup promo Big 2017. Was hoping to do BT 4888 so can get 488 cashback, but the cl given is just 4k which a lot less than my basic salary. Wtf so petty clever this bank, most other bank already given me more than 10k cl Interesting case for discussion Could it be you have lots of cards which total credit limit is very high now? Or you have other loan facilities? Becoz as banks approve and assign credit limit, they may refer to ccris report to see your overall exposure and credit assigned by all other banks (loans, cards, ptptn etc)
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justanovice
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Feb 21 2017, 09:27 PM
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QUOTE(cwkhor @ Feb 21 2017, 09:16 PM) Good stuff! It's all about timing and luck on what we get during signup
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justanovice
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Feb 21 2017, 11:05 PM
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QUOTE(siaowei111 @ Feb 21 2017, 09:29 PM) am i right even i cancel my HSBC card now and reapply after 6 months, i will not entitle for the voucher right? Holder(s) of invalid or cancelled HSBC Bank/HSBC Amanah Credit Cards/-i and/or whose accounts are delinquent within HSBC Bank and HSBC Amanah’s definition at any time during the Promotion Period; and/orYes from the T&C But if you read again, this promo is not about New To Bank. Seems you may be eligible if your existing card has been approved > 6 months ago.
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justanovice
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Feb 22 2017, 11:59 PM
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QUOTE(yujin86 @ Feb 22 2017, 10:59 PM) How to do bt for new hsbc cc? Can be completed over the phone. Call CS he will guide you. Eg give him the other bank's details.
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justanovice
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Feb 26 2017, 11:21 AM
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QUOTE(sms2u @ Feb 26 2017, 12:29 AM) HSBC amanah is considered under HSBC amanah (islamic bank). how come they can move the credilt limit from hsbc amanah (islamic bank) to hsbc bank? Do some readings, hsbc amanah is wholly owned by hsbc bank malaysia QUOTE(celaw @ Feb 26 2017, 10:52 AM) Bro, I just sharing my experience of cancellation. I didn't call HSBC to ask "why". Bro, you recently did a bt with hsbc right? It's hsbc bank card then? well it could be due to you have active credit card acc with hsbc bank, that hsbc amanah did not offer any retention This post has been edited by justanovice: Feb 26 2017, 11:22 AM
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justanovice
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Feb 26 2017, 08:39 PM
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QUOTE(sms2u @ Feb 26 2017, 03:07 PM) i know lar. U are the 1 need to read more..even it is own by same owner. But, these are 2 different entities and no suppose to share. example, maybank and maybank islamic also owned by maybank group. But , the credit limit is not share and not transfer from maybank card to maybank islamic card lah. Ok buddy, i'll read more. I'm always open to more knowledge, and appreciate all the info here from you all sifus. So which banking rule they violated? This post has been edited by justanovice: Feb 26 2017, 08:41 PM
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justanovice
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Mar 4 2017, 09:50 AM
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https://sp.hsbc.com.my/688b?WABFormEntryCom...YH_GETITNOW_LPRHsbc new to bank cashback promotion again, this time sign up period 1st mar to 31st mar.
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justanovice
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Mar 7 2017, 02:13 PM
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QUOTE(enriquelee @ Mar 7 2017, 11:20 AM) Is a confirm cash back?RM 688 looks tempting. Refer to T&C. First come first serve QUOTE *Eligible spend: Internet transactions, local and overseas retail transactions, cash advance, Balance Transfer, Cash Instalment Plan, standing instructions/auto-billing. Maximum units for RM88 Cash Back / RM288 Cash Back/ RM488 Cash Back/ RM688 Cash Back are 1,650 units/1,250 units/850 units/650 units respectively.
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justanovice
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Mar 7 2017, 05:34 PM
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QUOTE(enriquelee @ Mar 7 2017, 02:58 PM) Do you think they will tell whether there is still quota available upon our cc application? They won't. I called them to ask but they say will only know after contest closed.
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justanovice
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Apr 14 2017, 06:54 PM
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QUOTE(lilsunflower @ Apr 14 2017, 02:59 PM) My situation is the apply RM10,000 BT for 12 months and lock in drawer. This is what I confirmed with CS when I signed-up the BT and they read me all the TNC. - I can pay RM500 each month, for 11 months without any interest (ASSUMING NO OTHER SPENDING) - Month 12 I must pay the balance i.e. RM4,500 Provided I comply with the above, I will not be charged interest. She explained that if I make retail transactions and make minimum payments only, there WILL be charges because the retail expenditure will not enjoy the interest free period. Plus, there is a priority in which payments offset the outstanding balance. In short, to avoid complications and interest, JUST LOCK UP!  By the way it's 5% on remaining balance, so it's rm500 on first month due, then followed by 475 etc.. makes quite a difference especially if amount is big. atjm88 the above explanation is correct. Any spending after you have active BT, will not have interest free period.
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justanovice
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May 3 2017, 04:37 PM
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QUOTE(yhtan @ May 3 2017, 03:46 PM) HSBC balance transfer is a rip off, opted 0% over 3 mths and end up CS called up to confirm saying that outstanding balance cannot enjoy 20 days interest free and will be charge 18% interest per annum. Imagine 1k outstanding balance would attract at least RM15 interest charges Luckily they called up and i cancelled off the deal  The 'no 20 days interest free' condition is on the balances of your outstanding if you swipe your card. That is what explained to me earlier.
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justanovice
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Jun 3 2017, 02:06 AM
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QUOTE(siaowei111 @ Jun 1 2017, 06:55 PM) received 688 for my wife card and 738 (sup card RM 50 extra) for my card!!!!!! finally!!!!!!! QUOTE(cx2531 @ Jun 2 2017, 12:09 PM) when? they got any email or wad to refer? *just checked, i also received. get RM688 Congrats guys, it has been a super long wait right! I checked but i did not get any cashback  well at least i know the result rather than guessing.
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justanovice
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Jun 6 2017, 11:50 PM
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QUOTE(lilsunflower @ Jun 6 2017, 12:42 AM) Is this the RM688 promo that ended in Feb 2017? I'm still waiting for mine, as mine's the extended March 2017 promo. I also took the RM10,000 BT. If I get the RM688 I will be SO HAPPY. Yes, mine's the contest ended feb 2017. Spent only in Jan 2017 and confirmed no rewards for me
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justanovice
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Jun 8 2017, 01:26 PM
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QUOTE(enixcv123 @ Jun 8 2017, 11:48 AM) Guys, i just called to CS regards to my balance transfer amount. I applied for 3 months with 0 % interest, somehow the full amount appeared in my june statement, then i queried them, what CS told me HSBC wont practice to seperate the balance transfer into 3 months statement, as long as i pay the minimum then i will not being charge.. is that ture? Also, since i have balance transfer in my hand, as long as i use my card on retail transactions, i have to immediately to pay on the next day, as finance charge will be impose.. as due to i have BT in myhand, so i dont have 20 free interest days. i was like what the hell? Can anyone confirm this? The info provided by CS is correct. The BT behavior has been reported many timed here. I do not think anyone tried to use the card and pay on the day itself. It may or may not work, the CS who handle my case reminded me not to use the card as long as while the BT is still active, which I would suggest the same to you too.
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justanovice
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Jun 8 2017, 09:14 PM
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QUOTE(enixcv123 @ Jun 8 2017, 02:57 PM) Did they mentioned this rule to you when u applied BT? Have you try complain to Bank Negara? The CS who handle my case said it many many times. Complain to bnm? Save your breath better. Adjust yourself to the various product t&c rather than complain without going anywhere
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justanovice
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Jun 9 2017, 11:08 AM
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QUOTE(SzeMeng76 @ Jun 9 2017, 09:35 AM) real case by my friend : new card holder approved, and applied for 0% 3 months BT & 1.99% 6 months BT. and the agent did mention to her about the retail transaction during BT period, this one ok she clear about that. comes to BT, she do BT 2k for 3 months, 4k for 6 months. she paid RM 1.3k per month. 3 months already up to now, but CS told her the installment will be settled the HIGHER BT 1st (so is settle the 4k 1st), at the end after 3 months, mean her 3 months BT have NO PAYMENT RECORD AT ALL, even she did paid. CS tell her either do early settlement or else the 2k will be charged 18% interest. CS never mentioned, should her complain? Agree should complain on this case with the reason that this is not made known at the time of applying, and HSBC did not contact her if there is a '3 months no payment record' ?
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