It's been a while since I see any sign-up promotion for SC cards.

I just noticed my Journey card was charged with SST on Monday and I swiped my card yesterday as I forgot to bring credit cards with me and I used Apple Pay.

Chatted with their CS and as expected I won’t get any rebate this year. They wanted me to get a 4.99% BT to get the SST rebate so I rejected the offer. I will cancel the card then.

Lucky for me is that they allow me to pay off my charges yesterday and excluding the SST before I cancel the card. Once I redeem my miles and my yesterday’s transactions are posted and paid off then I will contact them again to cancel. I gotta do it before my AF being charged next month.

Adios SCB, it has been a wonderful ride of 12 years.

My best memories of SCB is when they give RM300 sign up offer for each of their cards more than 10 years ago. I remember signing up multiple cards and get nearly RM2k free money.

From one of the best card to one of the shittiest service within a decade. Should just exit consumer banking for good like CITI. You won't be missed.

Same here. That was in 2013 I think. I used it to buy new mobile phone.

I just got RM1k TnG 2 weeks ago from RinggitPlus for signing up in Feb.
https://media.ringgitplus.com/creatives/upl...4_272199904.pdf

No more SCB promo on ringgitplus edi now. I think last they had was in April or May if not mistaken

my cancellation request till now not yet settled .. submitted before sst n af charged .now both charged, sst waived, af still pending

no call or whatever from them

Requested to cancel my Smart Card via the app. Also redeemed the miles in the Journey card, waiting for it to be reflected in my KF account then I will contact CS to cancel that card.

Hopefully it won't take too long to redeem miles, first time using SCB to redeem miles.

i plan cancel my simply cash card, is it possible to transfer my current outstanding balance to my another card?

ask the bank lor

some banks may allow it, some strictly per-card handling

Thats good to hear they allow u to cancel although u had another transaction...i was offerred a af waiver if i get their flexipay but not sure how the interest and like u also i had forgot i saved my card on lazada and a payment went through after my AF is charged...but then it was reversed as i quickly cancelled my order and used another card.....havent proceed with cancellation yet but likely i will just cancel also as they are being more and more strict with the AF waiver

Yes, luckily they are being nice and even asked me to contact them again after I settle everything. I cannot cancel this Journey card via the normal channel as they need to write off the RM 25 first. I had a screenshot in case another CS told me it is not possible.

My AF will be charged next month and I know I won't get the waiver anymore after failed to get SST rebate which I have been getting every year in the past. I guess, that's the end.

My first cc was SCB, best memories petrol cash back 15% or 20% ..

Smart Card is now cancelled and removed from my view. Yesterday's miles redemption is also reflected in my KF account, I paid off the outstanding this morning but not yet been posted, so the CS not able to proceed with the cancellation for my Journey card. I can only do it once my payment is reflected. Last step for my Journey card before it is cancelled, feeling pretty sad but nothing can be done. Gonna move on from SCB and focus on other banks.

Has anyone tried their "Cash on call" program where can get cash and convert to loan 1 to 5 years ?

Call center person said no hidden charges and if u pay off earlier, they will calculate back all the interest saved and offset that from when we close it out

Anyone who has used this maybe can share if any issues ? Thanks

The interest is calculated using a very cb method that u pay earlier u actually need pay more principal. Rule of apa i forget. Basically, what u paid in first 1 year is mostly interest.

It's called rule of 78.

Can Google it. Don't have to know the maths but basically the interest is not prorated based on the time but you pay a bigger portion of it in the earlier years.

And yes it is a lousy method I agree.

ya so u paid early u actually paid maybe 20-30% of the interest. But yeah u pay ur principal earlier than u don need pay leftover interest. But then u oledi paid up so many interest lol. They say 5% pa but is calculated the whole duration already. Effective interest is the one u looking at if u pay early. But rule 78 if u wan pay early, the so called breakeven is like half of the duration.

change of company direction, scb more focus on the affluent customers now.
higher entry income for basic card make the card not appealing at all.

Not going to happen. CS is non existence, how to target the elite group?