there is NOTHING wrong with the action.
if there is anything or anyone to blame, SC should be the one and sole party to blame, not the pity cust that not able to reach human CS

This post has been edited by sjz: Oct 4 2023, 10:28 PM

i think quite likely is their HQ decision.

as we see more and more foreign bank started selling their consumer operations here or downsizing and cutting operation cost.

just that this bank do it till the max and disbanded all human CS for daily non emergency banking operations.

most probably this market is simply too small for them to spend their resources on.

after all, i think well managed local bank (P bank for eg) are still the most reliable choice for us to rely on.

This post has been edited by sjz: Oct 5 2023, 09:16 AM

Yup..

still rmb the good old days.

where LFC (CB Plat back then) and JOP 2 cards alone can get us more than RM85+RM50, >RM100 monthly cash back

This post has been edited by sjz: Oct 5 2023, 10:33 AM

the bolded part is what you won't find here

tell them you will cancel the card if not waive.
AF is relatively easier to waive compared to SST rebate

most of us here won't take it for 50% off AF i guess

yes discontinued

use the search function

SST is charge by gov so noone, including bank can waive it

and only able to redeem in multiple and minimum amt of RM30

This post has been edited by sjz: Jul 29 2024, 12:10 PM

seemed like they deliberately not to give AF waiver this round.
in line with their increase of min annual salary to b eligible for their credit card to b 96k.

This post has been edited by sjz: Jan 21 2025, 10:52 AM

Simply Cash totally removal of E-wallet cash back.
Left CB for Grocery Dining and Petrol only .

1st increase min Monthly salary to 8k.
And make it difficult to waive AF.
Nw cut CB benefits.

I think we can hav a club on their eventual decision and plan on Malaysia market

This post has been edited by sjz: Mar 11 2025, 01:12 PM

yes i also think all these actions are their calculated move.
whether correct or not, only time will tell.

eventually, still local banks offering more reliable cc benefits

Liverpool upgrade with downgrade also
Before: 0.5% cash back capped RM50 / month
After: 0.2% cash back capped RM20 / month


0.2%, not 2%

This post has been edited by sjz: Mar 11 2025, 01:45 PM

used to see lots of SC cc booth and staffs in the mall.

nowadays seldom seeing it already,
lately more and more UOB and HSBC booth.

Maybank Islamic Ikhwan Amex Plat
8% cb, the best in town so far.
Maybank 2 cards Amex
5% cb weekend.

UOB Evol 5% cb

This post has been edited by sjz: Mar 11 2025, 04:32 PM

totally agreed.
min amt 30 and somemore need to be in multiple of exact 30, no more no less

imagine if you miscount and only gotten, say RM59.xx, you are only able to redeem RM30 that month

i cancelled my card since they implement this kind of funny t&c.
most other bank cb is straightforward and credit directly into your statement, only thing differ is some bank direct deduct cb from current statement balance while some deduct in next statement balance.

but no 1 single bank having this kind of hassle to claim cb.

This post has been edited by sjz: Mar 12 2025, 03:15 PM

initial few round yes, offering RM50/RM100 cb on X times spend.
it's a girl and she can even recognize me and say
Mr xxx, you want to cancel the cc again, and she tell me its the same offer as last round and so i gladly accepted it.

but no call on the final round where i terminated all my sc cards.
could be the entire team disbanded already?

This post has been edited by sjz: Mar 18 2025, 10:28 AM

this is the only reasonable argument why they are doing all sorts of things.

from raising annual salary to RM96k, and then refuse to waive AF and cut back on rebate.

seldom see SC credit card promoter nowadays

this is the main point why they refuse to waive AF for you.
they know very well that
you are forced to stay with them even they refuse to waive AF.

i think even early settlement of EPP, they will charges some early settlement charges too...

so no choice,
but you can try call their CS and ask to get some of their so called BT plan for min amount and min tenure , with that, they would able to offer AF waiver.

as well as the interest charge for the BT plan is lower than AF, then go for it.

This post has been edited by sjz: Mar 24 2025, 02:32 PM

very likely to happen