Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
130 Pages « < 13 14 15 16 17 > » Bottom

Outline · [ Standard ] · Linear+

Credit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq

views
     
SUSintrepidity85
post Jan 27 2016, 06:45 PM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(chiahau @ Jan 27 2016, 01:44 PM)
Just curious.

Late payments would mean there would be some kinda record on the CCRIS record even thou the finance charges/late payment are eventually reversed out by the bank right?

Was told to defer my payment until investigations are completed but I don't want to risk a strike on my records. Any opinion on this mater?
*
pay first and get refund looks ok for me.. banks ma.. no fraud .. haha..
chiahau
post Jan 27 2016, 07:36 PM

Fatthau StalKer
********
All Stars
14,082 posts

Joined: Aug 2009
From: Malaysia
QUOTE(intrepidity85 @ Jan 27 2016, 06:45 PM)
pay first and get refund looks ok for me.. banks ma.. no fraud .. haha..
*
Pay 1st meaning my opportunity cost gone as well.

Will banks compensate me? No right?

laugh.gif
SUSintrepidity85
post Jan 27 2016, 10:51 PM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(chiahau @ Jan 27 2016, 07:36 PM)
Pay 1st meaning my opportunity cost gone as well.

Will banks compensate me? No right?

laugh.gif
*
i think will

bank will pay u even it's one cent only.. dont worry about that..
TSalexwsk
post Jan 27 2016, 11:00 PM

Look at all my stars!!
*******
Senior Member
4,094 posts

Joined: Jan 2003
From: USJ
QUOTE(chiahau @ Jan 27 2016, 07:36 PM)
Pay 1st meaning my opportunity cost gone as well.

Will banks compensate me? No right?

laugh.gif
*
pay the minimum and your ccris will be just fine, i assumed your real usage is higher than the minimum even with the fraudulent transactions included
SUSintrepidity85
post Jan 27 2016, 11:18 PM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(alexwsk @ Jan 27 2016, 11:00 PM)
pay the minimum and your ccris will be just fine, i assumed your real usage is higher than the minimum even with the fraudulent transactions included
*
this is also a good idea by paying minimum first so ccris record will be 'o'
chiahau
post Jan 28 2016, 10:33 AM

Fatthau StalKer
********
All Stars
14,082 posts

Joined: Aug 2009
From: Malaysia
QUOTE(intrepidity85 @ Jan 27 2016, 10:51 PM)
i think will

bank will pay u even it's one cent only.. dont worry about that..
*
laugh.gif

I quote their reply tongue.gif

» Click to show Spoiler - click again to hide... «


Now I know how errand merchants are surviving. They are aided by stupid officers who does not bother to read the rule book before replying customers.

Nevertheless, I paid full amount and preparing to cancel card and issue a formal complaint to central bank to close case.

Lesson learnt : UOB has one of the worse CS tongue.gif
SUSintrepidity85
post Jan 28 2016, 10:47 AM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(chiahau @ Jan 28 2016, 10:33 AM)
laugh.gif

I quote their reply tongue.gif

» Click to show Spoiler - click again to hide... «


Now I know how errand merchants are surviving. They are aided by stupid officers who does not bother to read the rule book before replying customers.

Nevertheless, I paid full amount and preparing to cancel card and issue a formal complaint to central bank to close case.

Lesson learnt : UOB has one of the worse CS tongue.gif
*
strongly advise you to make this to BNM.. BNM sure will take stern actions on this case.

I have replied from BNM they will investigate this matter on 6% GST extra charges and will revert me back soonest

meanwhile i have met custom high ranking officer and he informed me he will issue compound to that particular shop

i suggest you channel to BNM and meet custom officer face to face with proofs, of course.

chiahau
post Jan 28 2016, 12:19 PM

Fatthau StalKer
********
All Stars
14,082 posts

Joined: Aug 2009
From: Malaysia
QUOTE(intrepidity85 @ Jan 28 2016, 10:47 AM)
strongly advise you to make this to BNM.. BNM sure will take stern actions on this case.

I have replied from BNM they will investigate this matter on 6% GST extra charges and will revert me back soonest

meanwhile i have met custom high ranking officer and he informed me he will issue compound to that particular shop

i suggest you channel to BNM and meet custom officer face to face with proofs, of course.
*
Can PM me the Custom's contact?

I got a lot of complaints to make to him regarding GST.
SUSintrepidity85
post Jan 28 2016, 12:58 PM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(chiahau @ Jan 28 2016, 12:19 PM)
Can PM me the Custom's contact?

I got a lot of complaints to make to him regarding GST.
*
i know an officer but hes kuching branch in charge of whole sarawak.. ur area?

This post has been edited by intrepidity85: Jan 28 2016, 12:59 PM
JustForFun
post Jan 29 2016, 07:02 AM

Seeker
******
Senior Member
1,281 posts

Joined: Sep 2008
Guys, I'm have been using Maybankard 2 Cards for two years and I wonder if I can upgrade to the platinum cards if my income doesn't satisfy the requirements?

Basically I may need to travel overseas for a business trip and my current gold cards credit limit is not good enough, and the benefits aren't as good as the platinum as well when used overseas.
chiahau
post Jan 29 2016, 08:15 AM

Fatthau StalKer
********
All Stars
14,082 posts

Joined: Aug 2009
From: Malaysia
QUOTE(JustForFun @ Jan 29 2016, 07:02 AM)
Guys, I'm have been using Maybankard 2 Cards for two years and I wonder if I can upgrade to the platinum cards if my income doesn't satisfy the requirements?

Basically I may need to travel overseas for a business trip and my current gold cards credit limit is not good enough, and the benefits aren't as good as the platinum as well when used overseas.
*
Short answer - Unlikely can upgrade.

However - Can try your luck by writing in and see how it goes? Sometimes they will consider other factors as well.

As for credit limit, submit your latest 3-6 months salary and ask if they can adjust accordingly?
fruitie
post Jan 29 2016, 11:33 AM

Rise and Shine
Group Icon
Staff
72,804 posts

Joined: Sep 2005
From: KUL
QUOTE(JustForFun @ Jan 29 2016, 07:02 AM)
Guys, I'm have been using Maybankard 2 Cards for two years and I wonder if I can upgrade to the platinum cards if my income doesn't satisfy the requirements?

Basically I may need to travel overseas for a business trip and my current gold cards credit limit is not good enough, and the benefits aren't as good as the platinum as well when used overseas.
*
Maybank is pretty strict when it comes to salary requirement.

Anyway, what are the benefits that Plat has which Gold doesn't have? Travel insurance? I have the Plat but I never use credit card's insurance, always buy my own travel insurance if I'm traveling for leisure. Business trips will be covered by company's travel insurance.

As for credit limit, you can submit your latest payslip to Maybank to increase your credit limit. smile.gif
ky118
post Jan 29 2016, 12:26 PM

Getting Started
**
Junior Member
156 posts

Joined: Sep 2011
Hey all,

Just wanted to check if it is normal for credit card companies not to provide reasons when rejecting credit card applications?
I find this odd as why they cannot tell me the reasons for the rejection.
Is this normal practice for all credit card companies?

Thanks.
laymank
post Jan 29 2016, 12:45 PM

Look at all my stars!!
*******
Senior Member
4,232 posts

Joined: Apr 2011
QUOTE(ky118 @ Jan 29 2016, 12:26 PM)
Hey all,

Just wanted to check if it is normal for credit card companies not to provide reasons when rejecting credit card applications?
I find this odd as why they cannot tell me the reasons for the rejection.
Is this normal practice for all credit card companies?

Thanks.
*
Yes.
ky118
post Jan 29 2016, 12:52 PM

Getting Started
**
Junior Member
156 posts

Joined: Sep 2011
QUOTE(laymank @ Jan 29 2016, 12:45 PM)
Yes.
*
I believe not all credit card companies do that, so I still don't understand why this company do not disclose the reasons.
laymank
post Jan 29 2016, 01:07 PM

Look at all my stars!!
*******
Senior Member
4,232 posts

Joined: Apr 2011
QUOTE(ky118 @ Jan 29 2016, 12:52 PM)
I believe not all credit card companies do that, so I still don't understand why this company do not disclose the reasons.
*
When I said 'Yes', I meant all credit card issuing banks/financial institutions practice that.
The only way for you to find out why is to check with BNM on your CCRIS report.
SUSintrepidity85
post Jan 29 2016, 01:28 PM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(laymank @ Jan 29 2016, 01:07 PM)
When I said 'Yes', I meant all credit card issuing banks/financial institutions practice that.
The only way for you to find out why is to check with BNM on your CCRIS report.
*
CCRIS report doesn't show reasons for your loan/cc/hp/ml of rejection
fruitie
post Jan 29 2016, 01:29 PM

Rise and Shine
Group Icon
Staff
72,804 posts

Joined: Sep 2005
From: KUL
QUOTE(ky118 @ Jan 29 2016, 12:52 PM)
I believe not all credit card companies do that, so I still don't understand why this company do not disclose the reasons.
*
Er... Not companies la.. sweat.gif It is banks... sweat.gif
All banks cannot disclose rejection reason, I think this is BNM rule.
This also applies to Aeon, though it is a Credit Service Centre. smile.gif
ky118
post Jan 29 2016, 02:53 PM

Getting Started
**
Junior Member
156 posts

Joined: Sep 2011
QUOTE(fruitie @ Jan 29 2016, 01:29 PM)
Er... Not companies la.. sweat.gif It is banks... sweat.gif
All banks cannot disclose rejection reason, I think this is BNM rule.
This also applies to Aeon, though it is a Credit Service Centre. smile.gif
*
It's not a bank, but you got it in the list.
I've contacted BNM and there is no such regulation.
In fact, she was surprised on why the company does not provide reasons for rejection.

SUSintrepidity85
post Jan 29 2016, 02:59 PM

HOORAY!
*****
Senior Member
843 posts

Joined: Dec 2015
QUOTE(ky118 @ Jan 29 2016, 02:53 PM)
It's not a bank, but you got it in the list.
I've contacted BNM and there is no such regulation.
In fact, she was surprised on why the company does not provide reasons for rejection.
*
did you notice when you sign the application form and attach with terms and conditions mentioned 'banks has right to reject without disclose any reasons'
« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »
 

130 Pages « < 13 14 15 16 17 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0337sec    0.28    6 queries    GZIP Disabled
Time is now: 5th December 2025 - 12:21 PM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.