Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Credit Card v19, Post/Ask general questions here, Please read post 1-3 before posting, tq
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 Jan 25 2016, 11:11 PM
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#41
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Senior Member
843 posts Joined: Dec 2015  
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QUOTE(victorywp @ Jan 25 2016, 11:07 PM) as far as i still remember, uob & rhb don't allow.. should have other banks don't allow too. oh i have both conventional and islamic.. maybe i overlook it cause if im not mistaken rhb have it..  i have bad memories haha.. |
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Jan 26 2016, 08:11 AM
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#42
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(fly126 @ Jan 26 2016, 12:25 AM) Citibank also Tak boleh, tried before on Supp. Card... principal card boleh kan?   |
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Jan 26 2016, 11:24 AM
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#43
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(laymank @ Jan 26 2016, 10:28 AM) I was able to put my preferred name for RHB when I applied online. yeap .. if my memories serve me right. there is a column for u to fill in 'prefer name' |
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Jan 26 2016, 11:25 AM
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#44
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(victorywp @ Jan 26 2016, 11:22 AM) lol... i signed up using form, don't have such column to fill. i informed the agent and he told me the same thing can't. it;s confirmed got 'name appear on card' http://www.rhbgroup.com/~/media/files/mala...form.ashx?la=en refer to this link. |
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Jan 26 2016, 04:10 PM
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#45
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(fly126 @ Jan 26 2016, 04:08 PM) I don't think so... i experienced some merchants would need our IC and match our name with our CC when we swipe at their terminal The form got " Name on the Card" column , put in My 'Preferred Name" for the Card but It Came back with Name follow our NRIC But however, 100% Confirm that, we can have our "Preferred Name " for HSBC Card.  well if u use the 'prefer name' and the name is not match with your IC real name.. then how? i never experience this haha.. would the merchant rejected for swiping? |
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Jan 27 2016, 06:45 PM
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#46
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(chiahau @ Jan 27 2016, 01:44 PM) Just curious. pay first and get refund looks ok for me.. banks ma.. no fraud .. haha..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? |
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Jan 27 2016, 10:51 PM
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#47
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(chiahau @ Jan 27 2016, 07:36 PM) Pay 1st meaning my opportunity cost gone as well. i think willWill banks compensate me? No right?  bank will pay u even it's one cent only.. dont worry about that.. |
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Jan 27 2016, 11:18 PM
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#48
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Senior Member
843 posts Joined: Dec 2015
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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' |
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Jan 28 2016, 10:47 AM
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#49
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(chiahau @ Jan 28 2016, 10:33 AM) I quote their reply » 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 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. |
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Jan 28 2016, 12:58 PM
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#50
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(chiahau @ Jan 28 2016, 12:19 PM) Can PM me the Custom's contact? i know an officer but hes kuching branch in charge of whole sarawak.. ur area?I got a lot of complaints to make to him regarding GST. This post has been edited by intrepidity85: Jan 28 2016, 12:59 PM |
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Jan 29 2016, 01:28 PM
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#51
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(laymank @ Jan 29 2016, 01:07 PM) When I said 'Yes', I meant all credit card issuing banks/financial institutions practice that. CCRIS report doesn't show reasons for your loan/cc/hp/ml of rejectionThe only way for you to find out why is to check with BNM on your CCRIS report. |
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Jan 29 2016, 02:59 PM
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#52
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(ky118 @ Jan 29 2016, 02:53 PM) It's not a bank, but you got it in the list. 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'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. |
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Jan 29 2016, 03:09 PM
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#53
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(ky118 @ Jan 29 2016, 03:04 PM) Yes I did. My point is what's the problem in stating the reasons? perhaps you could tell us by reporting to BNM and see whats their repliesAfter all you made effort to submit the application and the least they could do is to tell you the reason. |
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Jan 30 2016, 01:10 PM
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#54
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(noobandroid @ Jan 30 2016, 01:06 PM) if i checked ctos and im clear, is there a higher possibility of cc getting approved? how long does it take to get their reply? i applied multiple banks so which card i use will mean committed to that cc correct? sorry to say but truth hurts apologies for multi questions, my first cc applications and am anxious if your record is too clean.. then be prepare to get for rejection as banks don't know you and your payment pattern even high income applicants get rejections too , some times... if you have hire purchase or mortage loan then its easy to get cc moreover banks are tighten their tap on unsecured loans This post has been edited by intrepidity85: Jan 30 2016, 01:11 PM |
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Jan 30 2016, 01:14 PM
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#55
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(fruitie @ Jan 30 2016, 01:13 PM) Yes, no credit history will lead to rejection. Hence, always start with your salary bank. agree with this.. in fact most of my colleague starts with this card. like me, i pledge RM10k on hsbc for the starting.. now everytime works like charm haha..That said, I got my first card even with clean record. I applied CIMB Direct Access card that time which was meant for fresh grads. |
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Jan 30 2016, 01:40 PM
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#56
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(noobandroid @ Jan 30 2016, 01:39 PM) i have 40k+ at hsbc FD and 10k at PBB FD, does that influence decisions? not at all when comes to unsecured lending because the reason they gave 'u can take those fd out anytime'but having fds for some period definitely will help a bit in applying mortage loan or hire purchase loan which define as 'secured lending' dont believe? give a try  except bank define you as a 'high net worth customers' This post has been edited by intrepidity85: Jan 30 2016, 01:42 PM |
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Jan 31 2016, 01:56 PM
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#57
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(victorywp @ Jan 31 2016, 11:33 AM) until your outstanding goes higher than your deposit amount. some of those 'curi elektrik' got outstanding higher than amount deposit for few years d.. yet no termination as long as u pay current outstanding.. |
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Jan 31 2016, 04:52 PM
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#58
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(fruitie @ Jan 31 2016, 02:44 PM) No issue one la. I never pay full every month, no problem until today. No penalty, no disconnection. they charge you 1% only after due date.. haha.. which is not big .. |
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Jan 31 2016, 06:51 PM
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#59
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(fruitie @ Jan 31 2016, 05:49 PM) No ah. Nothing as well. wa.. so good.. last year i was charge for 1% late payment.. cause i usually pay for 2 months bill at once.. now need to make every month and charge to my scb cb card.. so far so good or maybe should change to wise or mach liao |
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Feb 1 2016, 07:59 AM
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#60
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Senior Member
843 posts Joined: Dec 2015
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QUOTE(fruitie @ Jan 31 2016, 10:43 PM) If use MACH, which category TNB will fall into? guess forumer here mentioned 0.2% for other spending.. just wanna show support for this card since my wallet hav only pb mach and wise , scb.. other all kept inside drawers liao haha.. else i will just pay it at some grocery supermarket and will test it out about this This post has been edited by intrepidity85: Feb 1 2016, 08:01 AM |
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