Standard chartered wrongly charged me for annual fee for smart credit card amounted to rm120. I did spend more than 12k for past 12 months.

Anyone had same issue? If i call CS would they entertain me?

this type of offer is why working youths are in debt... don't know the actual interest banks earned via such 0% installment

RM111 x 48 = RM5,328 for iPhone 14 (128GB) which retails for RM4,199

RRP vs 11.11 price

I think what he meant is why take instalment and pay RRP when can get much cheaper price during lazada or shopee sale? iPhone 14 Pro can reach as low as 4.4k during Lazada sale with vouchers. That's almost RM1k cheaper.

RM5299 is the recommended retail price from epal.


If you have a little bit of patience and wait for a good offer, you should be able to get it much cheaper, but you pay it in one lump sum of course.

Yeah I know. Why?

Probably not a scam, but he is right in that there is no such thing as a free lunch.

The banks get to lock you to the credit card for the duration. Unless you clear the loan. Any missed payment during the 4 years will incur hefty fees. So yeah, it is not the banks doing it out of goodwill.

Do the math, and choose the option which is best for yourself.

I am on Android and confirm can see and use the chat button (but still useless as always time out without reply one). What version is your SC app? Mine Version 12.9.1 according to Menu -> About - running on Android 12 (Samsung Note 20 Ultra). Perhaps some older versions of android x de?

Anyone knows SCB Simply Cash card when will the cashback reflect in? My stmt date was on 18 June and til now didnt see any cashback in the transaction details. Am i being scammed?

Called the hotline and they said curent month usage cash back will reflect in 60 days.

Is this correct?

Received email said my statement got.
But in apps, cannot see any statement.
Must website? So So So........ 

saw a lot of comments saying unable to reach CS? How do we request for credit card cancellation beside pressing the 'report lost or stolen card' during the call option? Browse through the website also do not have the option?

There is annual fee charges and it indicate 'card with outstanding balance not eligible for card cancellation'.

yes. no eligible card for fees waiver.
also already drop secure message to ask for waiver if not waiveable please direct cancel the card. Already 2 weeks still no reply.

that's the worst kind

You referring to the bank or cardholder ah? You see, banks should provide a route for regular customer support, which appeared they did, but it's not working.

just like highway especially during festive seasons lo. emergency lane ada.

you see, gov should provide a jam free highway for drivers, which appeared they did, but it's not working. so make sense to use emergency lane? anyway just my opinion. not any moral police. 

that's the worst kind

not for me to judge, and besides there's no penalty nor against the law to do that.

Just to ask opinion on double charged by the merchant

I used AEON's self checkout system and paid via PayWave. it shows approved on the EDC terminal, but the self-checkout system could not detect I paid, thus no receipt came out.

The CS on duty asked me to retry the payment again and it was approved again and this time the receipt came out.

Today notice both transactions (same amount) had been posted in my CC account   

Contacted to SCB via Chat, and the CS told me to get the merchant to refund from their merchant bank. Or else submit a dispute transaction.

Which action would yield quicker results 

I decide to cut my SC Journey card cos not fully utilized. I called in and the lady say someone from another department will call within 7 working days to confirm so ask me not to destroy the card yet...

Is that how they work?