It's safer to call and ask them (better still, open a case so that you have records) because unlike other banks, Std Charted won't give any waiver once you're late paying and also start charging interest to your current balance.

I always use 360 redemption to offset payment due, no interest. I never use Refunds as payments although they're posted as separate transactions. Don't know if Rebates are treated as Refunds, but common sense say they're different.

dont forget the Annual Fee that costs way more than GST

You're supposed to ask for sponsorship, failing which you irrevocably terminate the card

Before they added the feature for you to request AF waiver, yes i've done it many times.

After that feature, got trapped because you're supposed to wait for AF to be billed before you can request waiver. Once billed, you won't be able to request terminate card because there is a balance that you need to clear. By then, you'll be offered 50%.

So make sure you don't spend after GST/AF is billed. Then you can at least call them to reverse the charge to terminate the card.

Never ate into mine. Count again

When I tried last year, it also said not eligible. Maybe high profile people only automagic eligible. Doesn't matter before or after statement because everything is computerized. As long as the GST entry is present, you get the option to request sponsorship.

Cancelling the card without $25 yes but interest not sure. Most people already settled GST (either by paying or cancelling card) before the next statement. You can try negotiate with them.

Chat only available for VIP customers.

Either you open case (I think under Services or something like that) or call.

1st to 30th. Each bank different rule.

c) The minimum income requirement of RM36,000 RM96,000 per annum or any other minimum income as allowed by us.

How to cancel and reapply like this?

if they want to retain you as cardholder when you cancel, they waive annual fee

Went for usual route to cancel card for GST sponsorship with GST already billed. Instead of reversing GST, they paid on my behalf and cancelled the card with no calls from retention.

There's a 30 days grace period to reinstate the card, probably not going to do it since Annual Fee comes next.

VSS kua. I sent 2 weeks before you to cut card, nobody reply but they got action.

What time you pay leh?

I also pay on due date from other banks and no late interest. But i didn't pay as late as them, usually by 7pm.

https://ringgitplus.com/en/blog/credit-card...redit-card.html

Based on Singapore, only the non-Priority Banking will be cancelled.

You can see that EOL'd cards like Liverpool, Smart, VI no longer available for application : https://www.sc.com/my/credit-cards/compare/...id=p-p-compare/

This post has been edited by beLIEve: Feb 17 2025, 10:38 PM

Maybe haven't print new form. VI discontinuation should be very new decision.

They also paid my GST before cancelling the card. No usage after GST was billed. No calls. I didn't bother to reinstate because Annual Fee comes next and i dont want to go through the process again.

You and your friend not experienced enough jeh. What 高手s do is take the $800-1k and cancel card after that. Where got people keep until annual fee.

It's nothing to do with the sign up reward. If they catch you're stuck not able to cancel the card unlike many of us here, you lost your bargaining power.

Some people apply for the sign up reward and cancel immediately after that. Others cancel their card before GST/Annual Fee to bargain for GST sponsorship and Annual Fee waiver - if Std Charted wants to retain us, they will call and make that offer, otherwise they will cancel the card. This has been the case the past few years. Only highly valued customers get automagic GST sponsorship and annual fee waiver.

This post has been edited by beLIEve: Mar 24 2025, 09:19 AM

You can open a support case from their system and request for waiver. Just make sure you get the card cancelled before the payment due date or you'll be billed late payment charges.