From 36k to 96k, that’s steep and crazy. Not that it matters to me but I still find it ridiculous to have such a revision, whoever thought of this must be trying to jeopardize SCB cc business.
Not like those are superb cards that one is dying to have.

I remember I got the reversal quite fast.

They requested me the same too but before I could spend, the reversal was already credited.

My difference was they didn't ask me to drop them any messages, said it will be auto-credited once I spend 3x.
I notice every time I haven't spent and they already credited back to me.

Yes, both. August.

Not at all. Less than RM 100 before the AF kicked in.
But I spend more now because Journey card is not too bad when it comes to dining spending.

Hmm. Not sure but that's not needed for me.

Smart credit card is no longer accepting new applicants but not discontinued yet I guess.

It's crazy to up from 36k p.a. to 96k p.a. for just a mere Simply Cash.

Yesterday was my credit card due date and I paid at night which I always do. The only difference is I usually pay at 8.30pm and last night I paid at 9.40pm. Today I checked and I got charged with late payment charges. I chatted with CS and she sent in waiver for me and subject to approval. I told her my payment is within due date and she said there’s a cutoff in their system. I find it ridiculous to penalize customers for this when we still pay within the due date.

I actually suspected something because usually I will receive SMS and email within half an hour after my payment was made but not yesterday. I only received them at 2am. Anyway, it’s not a big deal for me but it’s something SCB should look into.

Yeah that’s individual’s preference. Again it’s not customers’ fault to know their system cutoff.

What trouble? There’s instant payment, that’s the purpose. I never had any issues with payment on due date for all banks. For HLB and SCB, will charge late payment if past due dates. Other banks will have grace period but I don’t do that and will pay on due date.

Individual preference and with instant payment, there’s no issue at all.
For HLB BT, have to pay on the expiry date anyway so I only set my calendar to pay everything on the due date and not earlier.

If that happens, I’m sure banks will understand. Anyway, it’s really not a big issue but just wanting to let others know about SCB’s system. Moreover getting on hold of their CS is not easy these days, so plan your payment accordingly. For me, I’m OK because I’m tagged as their premium customer so can chat with them on the app.

RM 28 not RM 2. He has RM 28 now but it requires min RM 30 to withdraw.

Maybe they will call to retain you soon.

It happened to me recently too but SCB waived it for me. Maybe you can try again.

Same thing happened to me last month but they waived for me.

Not sure if it is a terminal's limitation or SCB's.

I paid before using Apple Pay (with Apple Watch) for amount RM 7xx. Today I wanted to pay a bill of RM 8xx, it didn't work with the Apple Watch and iPhone. I had to use my physical card and only it went through. Luckily I brought the card along today.

I see. So, it’s common then. However, I have not hit the 1k daily limit yet and when I paid for this bill. Anyway, hopefully I won’t encounter it again though most of the time I will have the physical card with me but it’s inconvenient to be compared with Apple Pay.

Their system cut-off issue that happened to me in Dec and charged with me interests but I managed to get all waived. However, the problem still carries on till Feb. My January payment had no more issue as I paid way early, so I chatted with CS again this morning and she said it is due to the Dec and this should be the last time I'm being charged with this interest. To be honest, I don't really understand her explanation but I told her this is the last time I will tolerate with this nonsense. I will terminate all SCB cards as they are the only bank which gives a lot of inconveniences. She said she will put in a request to waive this interest as well.

I didn’t pay late actually.