Unfortunately, the CS mentioned not need to change.
The LFC is only applicable for new registration.

Look like CS not allow me to change with nrew design one.

Oh, ok.. Saw the Replacement at online..

But there is no charges of Replacement card, right?
I scare suddenly next month cc statement show replacement fees.


Try to submit again after 6 mths or 1 yrs..
SCB always like to reject one..

Ok, noted with thanks, sis.

I predict next year most of the ppl will call for cancel of cc already..
Since no more for waiver, most of the ppl will think cancel this and can go for others..

Who care bank give so much cash back? Customers only think I get cash back and save more.. More and more and More...

Respect you all have so many cards.

Wanna to ask you all.. How to apply so many cards of these?
If high high salaries, then can apply so many cards.. Then I surrender of it coz I'm still guli ball..

Yes, I got try more than 1 cards from the same bank.
Unfortunately, it's rejected... Either maybe salaries issued or they think is my limit beyond already.

When we talk about settle your payment, you must pay everything until RM0 (based on your statement amount), don't leave it few cent or ringgit at there.
Else, you will pay more ringgit..

However if you can't manage properly of your card, end up u will burn yourself for your finance.
From bank view, I will like this cc holder because I can earn the late payment interest.
And I don't care you late payment how many days...

This post has been edited by JuneResources: Jun 26 2019, 09:44 AM

It's seems like this time SC not allow you to get rebate or off-set the SST charges already..

Anyway since it's reach to the end, my relationship between SC is going to terminate soon.

Livepool...
Just now try 2nd time call, but seems like offer me do balance transfer or do something installment.
Well, I don't want my name a lot of "Loan" in the system...

Cancel it.. But still need few days their marketing teams / retention teams to call for double confirm.
See how they play for it.

Everyday take grabcar working and order food from grabfood..

I'm ok, coz I have another backup card coming on the way.
But less a bit, max rebate RM30..
Rather than pay SST to sea..

The good thing is I'm not need to spend 1.5K per month to fight for cashback.
It's really tired.. Spend less amount to achieve my rebate also..

No problem after 6 months re-apply..
Bank like new, but don't like old..
What should we do? No choice oh..

Normally AF can waived without any issued one, coz basically spend exactly 1.5k every month at there.
But sometimes spend around 2K, that's a bit sakit hati. However, occasionally urgent need purchase.

My one also cannot get waiver.
Well since can't do anything for me, then I tell them request terminate card.

Settle outstanding except the SST, then say goodbye to SC.

Yes, that's true to easily rebate. I call 2nd time the customer SC offer the balance transfer or do some installment in the credit card in order to off-set SST.
While I'm calculating for those balance transfer and installment, yet still need to pay interest rate even through I early settlement.

So end up it is NOT offer, it is make yourself pay more than SST. At the end, I request CS to terminate the card.
Awaiting the process teams to confirm for leave.

The SC CS mentioned only settle the unbill amount (exclude SST) which you spend one, then she also tell me settle off the amount of RMXXX, then submit report to the process teams for cancellation. This is what they told me..

That's the problem I nearly forget my anniversary of card.
When I login check my transactions via online, it's too late..

It is also my fault holding many card forget sst in Malaysia..

My one first and second time call to rebate the SST (been charge at the first place) and then come to annual fees.
The SC call center cannot rebate, but offer me do something like installment or balance transfer to offset SST.

It's kinda make me more worst and more tension if really do installment (because of the interest rate), then I say not need. If cannot do anything, then cancel the card. I feel tension of the balance transfer and very headache of SST. After that, call center say they will have another process teams (it should be retention teams) to offer another things or verify to cancel within 3 -5 working days.

Then already over working days, still no ppl call and saw my card still in active state. Chase them there is no ppl call me.. If like that, just cancel for it. I don't want to see it anymore.

Within 4 hours like that, I receive call from them (today). They ask me why I cancel card, I say I feel tension of the SST and soon annual fees. With no any conditions, they will waive both fees for it as long as I maintain the card. This process will take 3 working days again..

Well~ No comment... Now I just monitor for my card. If have waive, then continue use. If not, call and cancel immediately.

In simple, it's seems like need threatening them so they can "do anything for you". Just nw seriously wanna to cancel my card coz I have another backup card incoming.. But end up they waive for me.. Well~ nothing to say but make me tension again holding too many card..

This post has been edited by JuneResources: Oct 18 2019, 03:18 PM

No, currently I don't cancel yet.. Still awaiting for waiver.

But if seriously they don't want you, then just wait cooling 6 mths or 1 year then apply again.
That is more better since every year you can get different kind of welcome gift..

After desperate and chasing them to cancel, then offer me SST rebate..
Well, still want to delay me 1 or 2 days again for rebate SST.. Today saw the rebate done..


Sorry, just a bit out of the topic.
I'm just a bit curious since you are part of the.... staff?? Sorry is lowyat staff?? Hmm... Admin?? Hmm... Company??.
Is this Forum Lowyat is an organization or the company?

I just submit this drift games yesterday. So am I need to wait 3 working days then able to get rewards? OR immediately can play already?

Damn, spend RM300 plus not single can drift me RM5 buck..
Look like system already capture everything "You are a loser"..

I can say this drift is worst than MAE one..
The tayar of drift is really lousy, always "Please try again next time"...

Just saw from official website, something is change 1 Jan next year.
Need to spend 2K to max cashback?

Well~ This practice almost same as hsbc cc for the rebate.
Looking forward to cancel this card soon effective next year already.

I can't see any future for this card already.
Plus most of the branches wanna to ceased operations.. Perhaps wanna to closed most of the branches except only HQ one?

If 1K, nothing issued for it as not need to fight and keep spend so much to earn a 50 buck..