Just write there :

The price shown on receipt differs with CC slip.

Note the time date stamp on both items.

Now with GST, they won't dare to adjust the tax invoice to make up for the 2% they charge you.

If they do, they'll be in a bigger trouble with Customs for GST.

Anyways, they credit back the amount as per the official tax invoice for my case.
I think bank absorb 1st, then fine the merchant?

I heard if more than 3-5 complaints, will revoke the terminal.

I feel like purposely go there 10 times and swipe CC each time to ensure they get fined every single time

I'm not sure, anyway I will follow up again next week.
Let's see what the guy will tell me.

Just submitted my application at ICBC KL today. Was told the it takes about a month for the card to reach the applicant from the day of application because the card will be send all the way from Hong Kong.

The credit card application form given to me was a full color printed on glossy paper, kinda like those newly launched house development catalog 

Not bad but only applications approved by end of this month will get free 2 years AF and gift voucher.
I forgot to check my status. Will check tomorrow.

mine still pending.. haihz super duper slow processing

And also cCyyCc, I just texted the officer and he told me my application has been rejected.
OK lo, no reason can be given, as usual and suggest me to re-apply again after 3 months.

Luckily not something I die die want.

hmm.. at least you have got status..

mine still pending.. latest update on monday.. officer say wait verification call from overseas number..

i was like...  today i called him again he say should be approved on next week cause he received some calls from HQ.. no idea how true is that

I didn't receive any verification call.

wa.. how come?

Straight rejected I guess but it's OK la. Not important for me.
Next time I go China, wanna open one bank account there, easy for my Alipay reload.
Nowadays all my transactions are paid by my China friends. Very paiseh.

Since I already have one ICBC UnionPay Debit Card, I think I can live without the credit card.

Will High Debt Servicing Ratio (DSR) decrease your chances of getting an approval?

Yes, DSR will.

Will High Debt Servicing Ratio (DSR) decrease your chances of getting an approval?

mine only 30+-% DSR but banks always use high credit limit to decline my fresh application.

but personal loan, hire purchase, mortage all OK no problem

i guess they re more lenient to credit cards

I calculated online, i think mine is 50.08% DSR. I applied for two cc, all rejected. My first cc anyway.

What is the allowable limit?

Oh.. apply with the bank which ur company use to credit ur salary in?

Hi All, First time here.

Using UOB One CC. Used for 2 years. Now into 3rd year. First 2 years was waived freely.

In my unbilled statement, shown annual fee charged at total 178.XX.

I called and said request for waive or i will consider terminate. She say she check with finance and return to me tomorrow.

QUestion:

Can I don't pay the annual fee if they do not waive it and I terminate?