free gifts are only for those who apply card but will never use it...LOL

if u have no use of the card, then terminate lor.

depends on the promotion, some promo T&Cs requires you NOT to hold existing card within 6-12month.

For HSBC's recent promos (Blackberry and Apple TV), the freebies from RinggitPlus doesnt have this term, but it require your card to be APPROVED by the bank, so the term still depends on the bank itself (whether they allow you to reregister again within short period of time).

loyal customer = spending with the card = automatically slave to them (bank) ... so, why bank want to reward you?

all banks want NEW customers, either their money via depositing or loans via credit facilities. so, majority of the signup promos are to entice/lure you!
you want promo for being loyal? got mah, SPEND more with their cards, get "rewarded", and they will hope you lapse your outstanding repayment and make more money from the interests.

Intrested to apply hsbc mpower amanah credit card
In the leaflet state that must pay
Monthly fixed management fee.

Fees: 1125 ( without RM symbol) ?? What is this?
Need pay them monthly rm1125 for their cc service?
expensive!

Anyone using this type hsbc mpower visa credit card i?

Or actually its like other cc they charge us on balance credit and if late payment only..

.i still not apply the credit card yet.
after review their brochure, thats a clause mention fixed management fees..1125 ..I dun understand..and asking here

i did a search and apparently it refers to the interest on outstanding balances, but islamic bank dun call it interest.

fixed management fee

1 question here , if i apply after activated, received the ringgitplus gift, use the card for 2-3 months and cancel the card..do they impose any penalties..??

have read T&C, but didn't mention on this point

But would be better if can hold it and cancel before anniversary

Yup.....i apply via ringgitplus previously

no letter sent....i only got to know recently when i tried to apply another card, the telesales offer me amanah, which i already had.
then they said it's cancelled already due to inactive for a long time

mine is again via ringgitplus for the blackberry phone hehe 

Valid from 15/05/2015 to 14/06/2015

Purchase the items below at a very special price at Harvey Norman, Mid Valley Megamall only:                                                     

(1) Electrolux Frontload washer EWF-10932S at RM2797 (RRP : RM3389)   
(2) JBL Sound Bar SB-350 at RM1755 (RRP : RM2119)                                     
(3) iPad Mini 3 Retina Display WiFi 16B at RM1214 (RRP : RM1356)           
(4) Marbella GPS N32 at RM358 (RRP : RM463)                                               
(5) Tall Boy Single Size Bed Frame with Stair Case at RM1877 (RRP : RM2969)                                                                                                                 
(6) Tri Fold 3"x5" Pocket Spring Mattress at RM449 (RRP : RM999)

got sent email....reply with document already, now waiting only

nope...nothing so far

u mean how fast i got their reply once submit to ringgit plus? 2working days
same lo....