Latest 360 reward is for March 2025

if i request for cancellation after AF has been charged, do i still have to pay the AF?

No, provided you did not spend/use the card after AF has been charged.

I'm just sharing for purposes. It does not apply to HSBC. They made me pay even though I didn't spend afterward, but I had a long battle with them and finally won, and I cancelled their cards for good.
So far, other banks are cool about it, but not HSBC.

good that finally they waive for you.
else bring to BNM and definitely they will need to waive it eventually if no transaction after AF charged

This post has been edited by sjz: Apr 29 2025, 08:52 AM

Yeah, that was my last option anyway. Haha.

how can i reach an agent on the hotline?

Call them and pick the fraud option, because otherwise there is no human to speak to.

They have the worse service of any credit card issuer in Malaysia.

which credit card?

HSBC VS and I also cancelled the T1 card.

Their phone IVR is a total joke. Called for 3 consecutive days and each time it prompts to input selection but it just doesn’t capture.

Wondering if there are staffs actually working. Or like no customer complaints?

Told the RM and she said it’s common. They can’t do anything about it.

Anyone can shed light on transactions that are REVERTED but refunded amount excludes cross-border fee? Is it in the price list that the fee is non-refundable or Standard Chartered IT is lousy?

I paid for booking using Agoda/Booking.com, and the booking couldn't be processed so it was reverted/refunded immediately. To my surprise this 5 seconds transaction reversal game cost me RM5 in fees. I contacted SC and ask for refund; they denied the refund and asked me to talk to VISA. Like wtf has visa with this (how can they see private activity etc). I filled complain and was refunded.

shouldnt be reversed back to you cuz dcc is a service fee when the actual txn transacted.

There was no DCC involved. I was charged in MYR.

U can lodge report to Financial Markets Ombudsman Service (FMOS)

tak bagi at first try.. had to try 2nd time and 'reason' with cs, "i spend more bla bla bla..."

nice, but shame on them to make customers jump thru hoops when other banks terus bagi...

Just go with the emergency line. Last time I asked for AF waiver also got to call a few times one.

true.. i'd understand if one didnt use it for the whole year, but if using it regularly, no need inquiry so on la, just give when ask.

Those calls from retention dept r using fixed line or mobile line? Cos nowadays i dont take calls from mobile that r not in my contact list.