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Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards

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beLIEve
post Sep 19 2019, 01:34 AM

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QUOTE(cucikaki @ Sep 18 2019, 12:48 PM)
Hi guys, I just applied a new SC credit card yesterday and saw it in my ecriss today, the status is 'pending acceptance by customer'.

the credit limit is RM19,000, which i think too much as my intention is just to reload bigpay and get the cashback.

can i call and request for downgrade to RM5K? or need to wait get the card and call to reduce the credit limit.

a bit worry as this is my 6th credit card and im planning to apply my 7th (ocbc unlimited cash back).

scared later ocbc cannot approve coz my this credit card already take up a lot of credit limit.
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I don't recall seeing a Pending Acceptance in ccris. All I see is Pending and Pending is just a dummy figure. They'll put the actual figure, which is around 25% your annual income, upon approval. Do you know if your application succeeded?

And SCB is quite generous with credit limit. Surpassed Citibank that took more than 6 months before offering some conditional credit limit increase which I did not bother. My colleague took the increase and reluctant to cancel his card until I brainwashed him.

Edit : Actually, maybe I did see Pending Acceptance, probably from SCB.

This post has been edited by beLIEve: Sep 19 2019, 02:23 AM
beLIEve
post Sep 23 2019, 10:46 PM

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QUOTE(ang1222 @ Sep 23 2019, 10:36 PM)
Thanks for the clarification.

Just paid off my SC cc on ytd 22 via instant transfer, not sure why tdy still not yet reflect inside the transaction history.
So is that normal it takes few days to update even instant transfer ?
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if you want a peace of mind, you can login to the ebanking before you instant transfer in. Note your Available Credit Limit before and after you instant transfer. It should increase.

Not sure if Net Outstanding works, but you can watch that as well.

QUOTE(ang1222 @ Sep 23 2019, 10:44 PM)
thanks. Will try to observe in next 2 days to see whether it will reflect.
If that's the case, if make payment on the due date itself, Will subject to late payment because it takes few days to reflect ?
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Should not, due to reason above.

I paid mine 1 day before due last month. This month's statement show the date I instant transferred in.

This post has been edited by beLIEve: Sep 23 2019, 10:48 PM
beLIEve
post Sep 23 2019, 10:51 PM

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QUOTE(ang1222 @ Sep 23 2019, 10:48 PM)
Oh yeah, just noted the available credit limit has been increased. But the net outstanding still remain the same.
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ok. as long as available credit limit increased, you should be good. The same applies to other banks' cards.
beLIEve
post Oct 10 2019, 12:09 AM

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QUOTE(coolguy99 @ Oct 9 2019, 11:49 PM)
The digital credit card is no other than instant approval with a 'digital' version of the card while waiting for the physical version to arrive in mail?

I guess plus the RM50 Shopee voucher for existing customer can be an additional benefit too.
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QUOTE
Existing to Bank cardholder(s) who are currently holding any SCB credit card as principal card holder and applies for another principal card as listed under Table A will be entitled to participate in this Campaign but shall strictly be limited to receiving only one item of Reward A only subject to fulfilling all other applicable terms under this Campaign
Looks like have to apply another card.

You gain $25 only after sst, with plenty of restrictions with the voucher (normally, must use app, must buy from mall or preferred sellers, etc)

This post has been edited by beLIEve: Oct 10 2019, 01:55 AM
beLIEve
post Oct 15 2019, 11:47 PM

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QUOTE(Jie @ Oct 15 2019, 11:15 PM)
anybody purchase on Lenovo website before ?

I bought a laptop there but apparently CS said the rm3k plus spent is not under online transaction so not entitle...
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did you receive one time password? Some countries with less frauds don't use OTP. They simply use the traditional verification like address and CVV. Some banks takes OTP as online, non OTP as offline.
beLIEve
post Oct 16 2019, 12:13 AM

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QUOTE(lhsu @ Oct 16 2019, 12:05 AM)
😱

I've just spent 3 times on kkday and I only received ONE sms informing me my card has been charged. No sms for the other 2 transactions. All 3 transactions got no OTP... 😓

If no cb, I'll definitely call the CS to fight for it. How the hell are we going to pay kkday if not online?
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there are so many merchants, banks won't be able to keep track who is online and who is offline. they rely on automation, OTP is probably one of them. so people affected will have to report to them and they evaluate case by case.
beLIEve
post Oct 17 2019, 03:43 PM

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QUOTE(Jie @ Oct 17 2019, 09:56 AM)
Yes, I got OTP message. However when I asked the CS about it he said the MCC code show as not online shop.. zzz. I'll try and ask again.
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then tell them they have a serious flaw in their system that it's sending OTP for non online transaction. they need to audit their entire system and debug it
beLIEve
post Nov 5 2019, 12:28 AM

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QUOTE(lhsu @ Nov 5 2019, 12:24 AM)
I'm new to scb cards and have a question to ask.

Say my JOP approved on 25th Oct and I activated it on 28th Oct. I then pumped petrol RM200 and top up RM2300 into bigpay on the same day. So my mission for sb in Oct was completed.

Now, 1st Nov, if I again pump petrol for Rm200 and top up bigpay RM2300, am I entitled for the 2nd cb which is for the month of November?

So when the statement comes on 25th Nov, my statement balance would be 5k and at the same time, I'll be entitled to CBx2, am I right?
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yes. you have so much petrol to pump?

your Oct statement might come out before 25th of Nov.

and you need to manually redeem the cashback.
beLIEve
post Nov 5 2019, 01:12 AM

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QUOTE(lhsu @ Nov 5 2019, 12:41 AM)
Thank you for your reply.

Not so much petrol to pump lah. It's just an extreme example. In fact I have an insurance which is ngam2 RM200. Petrol I use Amex on weekend.

So now I can reload for the 2nd time to earn the "2nd" cb, right?

Both bigpay & boost wallets also empty already... 😅
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you are welcome.

yes you can
beLIEve
post Nov 19 2019, 12:57 AM

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almost busting my credit limit. first they called and offer to convert to installments which i declined. today receive SMS offering 50% credit limit increase. not accepting, so don't know if need income documents to substantiate it.
beLIEve
post Dec 11 2019, 01:18 AM

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3x$100 got $15 + $100. Was I shocked

Edit : timing was unintentional. forgotten it's past midnite already.

This post has been edited by beLIEve: Dec 11 2019, 01:25 AM
beLIEve
post Dec 11 2019, 01:24 AM

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QUOTE(skty @ Dec 11 2019, 01:21 AM)
congratz
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thanks bro!
beLIEve
post Dec 11 2019, 01:35 AM

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QUOTE(neverfap @ Dec 11 2019, 01:31 AM)
Wah elder
U also got churn cc ar. N congratz haha
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thank you too bro.

i accidentally discover ASN one fine Sunday when I was rotting here nothing to do.
beLIEve
post Dec 11 2019, 01:31 PM

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QUOTE(gooroojee @ Dec 11 2019, 11:44 AM)
Congrats! Free money lol
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thank you. hope everyone can win more!
beLIEve
post Dec 11 2019, 09:05 PM

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QUOTE(saitong09 @ Dec 11 2019, 05:59 PM)
No luck for me today, straight 5x telur
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Maybe because I just started 3-4 days ago? Do you feel it was easier to win initially compared to later stages?
beLIEve
post Dec 12 2019, 12:29 AM

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Haha yeah woh. So many people drifting

Edit : Server unstable, once a while ok. 2x$100 = $5 + $10

This post has been edited by beLIEve: Dec 12 2019, 12:37 AM
beLIEve
post Dec 12 2019, 12:44 AM

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QUOTE(boonhan @ Dec 12 2019, 12:42 AM)
q = rm5, b =?

website overloaded. seem need wait tomorrow for the fix.
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i don't think this is at all accurate. Just drift and see what you won.

Overloaded only, nothing to fix. When people start going to sleep, traffic will go down on its own, and it'll fix itself.
beLIEve
post Dec 12 2019, 01:14 AM

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QUOTE(gooroojee @ Dec 12 2019, 01:00 AM)
Nice! Congrats. I had 5+5 ..

oh well.. at least I got RM30 off RM180 from Shopee using my Aeon card.
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thanks again bro

so fast already spend for 12 12 huh.
beLIEve
post Dec 14 2019, 06:46 AM

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QUOTE(gooroojee @ Dec 13 2019, 10:05 PM)
Can I check if this was swiping done just after midnight... ? smile.gif
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no. between 1am and the time I posted here.

today 4 tries, 5+5 return
yesterday about 10 tries, 5+10 return
beLIEve
post Dec 14 2019, 12:25 PM

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Are they blocking SMS with URLs ? Does it go through if you ask a friend to forward a similar SMS you?

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