Maybe he is referring home branch

Er... Why is this needed?
Why does one require to go to branch so often?

Some of my cards were applied online. In fact, my Wise card was applied through a super efficient officer who works in USJ Taipan branch.
My best experience in applying a credit card, approved within 2 working days and got dispatch to collect documents from me in my office at KL.

This post has been edited by fruitie: Mar 18 2016, 12:25 AM

Probably u are referring me as those "some people"
Agree that bank in not doing charity, but we know AF is not the main source and not even an important income for bank. Bank don't depend on AF to survive.
That is the logic we always heard about "Retention Unit/Team" that call back customer to stay on with their CC, and none of the bank setting up a team that calling them "Bring in more AF for the Bank" Unit/Team.

principal or principle?

principal

http://www.thestar.com.my/business/busines...l-with-fee-cap/

more cuts in the future

penny wise pound foolish, rather than looking at the small amount, think of the amount you can earn from them, while still able to.

I'm planning to submit the form at Kota Kemuning. Then I thought about the saving account main branch thingy, not sure if that applies to credit card.

i think wolf is coming soon.......

Ya la, ya la.
That time approaching my sleeping time. Not that I can't spell, my English is not that poor.

Doesn't apply at all.
Some applied online, how?

Sorry ah me first time doing this. Pardon me.

In the application form, u can choose which branch you want to collect your card.

Yeah I did notice that part. Hoping that they can send it to my house or new office instead as I just changed a new working environment.

Many thanks for all the information and advice.

No worry. If you indicated that you want to receive to your house/office address, they will sent to you through courier.
Usually I prefer to collect at the branch which near to my office even for my supp card, bank staff will call me to collect once the cards reach at branch.

Upon reading your case i call up CS. My principal+supp AF were charged 2 wk back. Failed to get waiver for both. She confirm with supervisor no such waivers except for last year free AF for supp card promo.
Mission failed. Disappointed…

They will be more happy if you cancel the card.

almost every month.
the thing is. I wont be working in Malaysia, so.. I dowan waste the card n annual fee, card just doing nth there.

will I apply this card again? maybe in the future when I return to Malaysia, if the card still provide the same CB terms. if HLB reject then no choice need go for other option dy

You wont be working in Malaysia, but you will still earn rebates on overseas spending right? As long as the MCC falls under the 3 categories you still can maximize the cashback. No need to cancel ma..

Have to take into consideration of exchange rate and also service charge.
If I were him, I might consider to terminate too.

I don't know, but if those add up still less than 10% I will still use, provided there are no other better cards.

This post has been edited by kelvinlzy: Mar 18 2016, 02:13 PM

but for us as 'foreigner' in other country, it might be harder to get credit card approval.
Don't cancel until you managed to get a better card from overseas.

What is the service charge for this ya?