And the speed of their replies are atrocious as well.

Even if we cancel, we need to pay the annual fee?

CS offered to waive my SST for me to keep the card. I said no and just proceed to cancel. They can keep the RM25, not gonna wait for another 10 days just for a CS to call me.

They should implement a kill switch to immediately block the card should the need arise since their customer service is bad. Imagine having unauthorized trx but you can’t do anything about it.

Did you submit through other request? SC digital banking is definitely one of the worst in MY. So difficult just to cancel a card.

I was charged both annual fee and SST. Wanted to submit a credit card cancellation request, told me I couldn't do it as I still have outstanding balance (which is my annual fee and SST), what kind of stupid process is this?

Calling in an issue. There isn't an option to speak to a customer representative. The menu is a mess, few times I reach a dead end without any viable option + no option to go back to previous menu.

Also many unnecessary option. There are menus where there is only 1 option with no other options to choose. Why make customer choose an option when that is the ONLY option to choose from?

Whoever design the journey is a joke.

I am okay if their digital journey is well designed. But its not, and that makes customers like me quite frustrated.

Just cancel it and hope retention team waives it for you. Else just reapply after 6 mths.

What category did you use in your replies? Maybe change to another category? Use other request. Never failed for me.

Not easy nowadays. I had to cancel the card for the retention team to offer me a waiver.

Yes they eventually offered me a waiver. Just not worth paying for annual fee.

Need to cancel to get better offer. Its really a waste of time. Just cancelled my Liverpool card despite they offered me RM100 and free annual fee.

This was after SST is charged. Well it was few months back.

I got really fed up with all the slow replies and their customer service. I took up their offer for few years already and I finally decided that enough is enough.

SCB is just bad at their customer service. Their app is still okay. Not the worst for me.

So troublesome. There is still people who pay annual fee just to use a credit card nowadays?

Very difficult to find a human to talk to. But some cards still have good benefit (i.e. SC Journey for PPL access).

Worse case is you did not get your answer and you have to ask again and wait for 3 more days.

So much hassle just to get the annual fee waiver. I canceled it despite them giving me waiver as I don’t want to deal with this hassle every year.

If your AF has been charged you cannot submit a normal cancellation request online as they deem that you have outstanding. You have to submit via Other Request. I just done mine and got a reply saying that my request is forwarded to the cancellation team and need to wait 5 days to call me back.

Card not cancelled yet. Nobody called me yet. There is still outstanding sitting in my card balance. Pretty shitty customer experience if you ask me.