Doesn't matter, so long it is Petaling Jaya... They have changed to PJ at least 1 year already...

Won't matter as long as the gateway is based in Malaysia.
The cross border charge is imposed because the gateway resides outside Malaysia.

Went to New Balance sunway pyramid to redeem LFC jersey. Was told that SC discontinue the contract with NB. Called to bank and asked how to proceed, they cant give an answer. Ask to wait another 2 weeks until things finalized. My redemption code expiring in 2 weeks time too =.=
Troublesome betol.

ask for annual fee waiver instead lo

may i ask when did you pay (which month) for the annual fee? i paid last month and now still waiting for the SMS redemption code.
if end up can't get the free jersey, then rugi betul.

It's not SC discontinue the contract with NB. It's liverpool changing their sponsorship to Nike from 20/21 onwards. So by right, you should get a code to redeem it from Nike instead.

But as far as I know, most Nike stores do not carry LFC kit at the moment.

Just did an instant transfer (IBFT) to LFC few hours ago but the payment still doesn't show up in SC mobile/online banking. Is this normal? This is my first statement with SC.

Yes, normal. So long it is paid, then no issue. It will be reflected in 2 days.

ayam late 2 days for payment. call to waive but they declined and said interest cannot be waived. what's difference between interest and late payment charges? or they purposely don't want waive it so give me nanny story. i have decided to cancel all my products with scb after payment done.

Late payment fee is charged once you're late in paying billed amount in full by payment due date.
Normally this fee could be waived upon negotiation and approval due to unforeseen circumstance.
This fee is 1% of the outstanding or RM 10 min whichever higher but capped at RM 100:



As for the interest/finance charge accrued in daily basis, this is a standard formula governed by BNM; the formula is the same across all the banks in Malaysia.
This is main source of income for the banks for credit card products and normally hard to waive.

Example of calculation:




Also, SC is very strict and there's no grace period:

This post has been edited by GrumpyNooby: Sep 14 2020, 07:40 PM

you should be very well aware of these charges before signing up.

no need blame the bank.

If want to avoid paying bank these fees, pay the statement balance diligently and in full, every single month.

if cannot accept these terms, don't use their products or services.

p/s. all banks will have these charges.

even if they willing to waive, it's all conditional and subject to approval and they have no obligation to waive, unless stated clearly.

ayam also late 2 days in my maybank and alliance payment, no issue at all. when approach ayam to sign up said this said that call in can waive. now i waive their puseh.

Reality is you can't make late payment, those banks want to give you flexibility, it's their goodwill and up to their discretion. Otherwise, any late payments should be slapped with charges.


SCB just sent me SMS about CL increase, another 50% increase and I need to reply to the SMS if I want to. I replied and will know result in two weeks time.

HLB got 3 days grace period

aiyo, really need to stretch the interest free period till like that meh.

Paid AF on May. Received around end of July.

Charged interest rightaway last time, unless they changed now.

Not sure
I only got 1 experience in last year
Due to SC standing instruction failed
Late 1 day
Then cs told me got 3 days grace

just topup my boost for round 2 of RM 10 cashback

getting so High CL good? will it use up the "quota" available to apply other bank cc?