My last interest charged was also waived.

Instant transfer from other bank.

If it is a card that gives AF waiver for first year, then you don't need to pay for the first year. AF is charged first before using for the year. Yes, in your case, you will be charged in the next 12 months which is the second year.

Already in second year? Otherwise if it is with first year waiver then it will be auto-waived.

Oh yeah, then this is the second year already. Good luck in requesting the waiver. If you have used the card after the AF is charged, then it is tough luck but may be possible.

Always use cards with free AF or AF with spending criteria (if you can fulfill them) for EPP or BT purposes. It is definitely a costly experience... Unfortunately.

Not necessarily. Most of the banks allow you to cancel after AF is charged so long you don't use it after the AF is charged to your card.
I only had issue with HSBC but after some fighting, I managed to cancel the card without paying for the AF.

Cannot waive SST la, just a rebate.
Yes, I have been getting it every year, too, for the AF waiver and SST rebate.

Yeah I saw that too, but let's see in July and August when I will have both of these charged to my card.

Yeah, it is a rebate because SST is still paid to the government.

SCB is infamous for adjusting users' limit, someone shared before 50% reduction and another extreme case almost 90% reduction.

Wait, I checked mine and it went to my spam mail too. No link or whatsoever so safe to open but...

We hope this message finds you well.
At Standard Chartered Bank, we prioritise your financial well-being while safeguarding your credit card. As part of our ongoing efforts to maintain the highest standards of security and responsible lending, we have adjusted the combined credit limit of your credit card(s) to RM .
We recognise that this change maybe unexpected and we want to assure you that this adjustment does not reflect on your relationship with us or your creditworthiness. Your credit card account remains in good standing, and we value your continuous business.
Your new credit card limit will be effective immediately.
Thank you for your support, understanding and continuous loyalty.

-no amount is indicated... Checked my SC app, the limit is still the same.
-The sender's email address is miss+my full name@sc.com

This post has been edited by fruitie: Mar 28 2025, 05:27 PM

It could mean our data is compromised somewhere.

Yeah, received it too. Seems like someone was having a good fun in the backend.

They even revised the income requirement for their cards, I guess it is just a matter of time they may close down their credit card department here in Malaysia, like what happened to Citibank.

I'm just sharing for purposes. It does not apply to HSBC. They made me pay even though I didn't spend afterward, but I had a long battle with them and finally won, and I cancelled their cards for good.
So far, other banks are cool about it, but not HSBC.

Yeah, that was my last option anyway. Haha.

HSBC VS and I also cancelled the T1 card.

I think SCB's retention will happen later, not so fast. Just wait another week, they may call.

Maybe will call soon, that's my guess though.

They can always reinstate the card later anyway.

Let's see mine when the AF and SST kick in July and August. So far, every year still get waiver and rebate.

Which card is his? I'm holding their Journey and Smart card, which I wanted to cancel a long time ago, but they keep holding me back for the Smart card.