Lesson learned.
Do cancel all the cards that you are not willing to use.
Not only scb.
Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards
Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards|
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 Apr 17 2019, 02:03 PM
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Junior Member
508 posts Joined: Dec 2008  
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Apr 17 2019, 02:16 PM
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Senior Member
2,965 posts Joined: Jul 2014
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QUOTE(wilson1149 @ Apr 17 2019, 02:03 PM) Lesson learned. Clear all out standing before cancel, regardless its SST(going to get rebate) or any other outstanding.Do cancel all the cards that you are not willing to use. Not only scb.  |
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Apr 17 2019, 03:02 PM
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Senior Member
1,450 posts Joined: Jul 2012
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QUOTE(a13solut3 @ Apr 17 2019, 10:03 AM) I recently encountered some issue with SCB. Will that affect ur credit score to apply loans or CC ? seems like only a small amount.I found out that I have 1 non-payment strike on my CCRIS on the month of February. Below is my chronology. Jan - Called to SCB to make card cancellation for my unactivated supplementary card due to SST charges. Asked them for waiver of SST on all my credit cards as well and it got approved on the spot. So before I drop the call, I asked if I should pay SST charged on my supplementary card or not as it is never activated before. I was assured by the CS that I do not have to pay anything as they will set the rebate back to the supplementary card. --------------------------- Early Feb - I received 4 duplicated SMS fro SCB regarding my unpaid outstanding for my supplementary card. I called to CS again and ask if I should panic over this SMS, and once again they verified that the card has already been cancelled and can ignore the SMS. --------------------------- Mid Mar - I kepoh go check CCRIS and found out i got 1 shown on CCRIS, called SCB to verify what went wrong because SCB will not list credit card number in the CCRIS report. SCB confirmed that I do not have any outstanding payment and ask me to wait until CCRIS update their next cycle. --------------------------- Early Apr - Received 4 duplicated snail mail telling me supplementary card got outstanding payment and I called SCB again, telling me to ignore the letters. --------------------------- Mid Apr - I checked my CCRIS again, now it show JAN 0 FEB 1 MAR 0 . The non-payment stays there. --------------------------- Send my CCRIS report to SCB for investigation. --------------------------- 16/4 - SCB called me back after investigation and telling me - I have RM25 outstanding SST charges on my supplementary card. - Due to the card has been cancelled, they are unable to offset the rebates into the already cancelled card, so they make it become cash rebates for my principal card (WTF) My response : - WTF, so you are from bank side and unable to make the transfer the rebates into my supplementary card because the card has been cancelled, and you expect me to bank transfer the RM25 to my card? I have try to reconfirm if I have any outstanding for the last 3 months and was assured I did not have any outstanding. Now you expect me to see this non-payment for the next 1 year in CCRIS because of unpaid RM25 (which was supposedly get offset by rebates?) After that, staff realized that what I'm saying starting to make sense and have no idea how to solve this matter, so she ask for more time for her to figure out how to settle this issue. --------------------------- IMHO, I think SCB realized they fucked something up due to few things. If I have unpaid outstanding of RM25, my CCRIS report should show JAN 0 FEB 1 MAR 2 , instead my MAR is 0. Credit card should not be able to CANCELLED until all OUTSTANDING PAYMENT is settled Always check your CCRIS report, if I didn't check, gods know how long I'm going to get screwed over by this measly RM25 issue. |
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Apr 17 2019, 03:05 PM
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Staff
72,888 posts Joined: Sep 2005 From: KUL 
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QUOTE(anakMY @ Apr 17 2019, 03:02 PM) Will that affect ur credit score to apply loans or CC ? seems like only a small amount. Not about the amount, it is considered a no payment and no longer all "0" in CCRIS.Other banks will not bother the amount but will see your payback history. |
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Apr 17 2019, 03:06 PM
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Senior Member
1,516 posts Joined: Oct 2005
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QUOTE(anakMY @ Apr 17 2019, 03:02 PM) Will that affect ur credit score to apply loans or CC ? seems like only a small amount. ccris won't show amount, but paid or unpaid balance.... so it does affect anyhow |
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Apr 17 2019, 03:18 PM
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Senior Member
1,450 posts Joined: Jul 2012
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QUOTE(fruitie @ Apr 17 2019, 03:05 PM) Not about the amount, it is considered a no payment and no longer all "0" in CCRIS. Other banks will not bother the amount but will see your payback history. QUOTE(ProxMatoR @ Apr 17 2019, 03:06 PM) ccris won't show amount, but paid or unpaid balance.... so it does affect anyhow Do u all hv eCCRIS account? Gosh I feel like checking CCRIS but it ask me to go bank negara to get the PIN only I can login. And I do not wanna pay CTOS for the report. |
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Apr 17 2019, 03:20 PM
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Staff
72,888 posts Joined: Sep 2005 From: KUL
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QUOTE(anakMY @ Apr 17 2019, 03:18 PM) Do u all hv eCCRIS account? Gosh I feel like checking CCRIS but it ask me to go bank negara to get the PIN only I can login. And I do not wanna pay CTOS for the report. Yes, I have eCCRIS which I check very frequently.You only need to go once to get the PIN, one time off punya pain but for long term convenience. I also delayed for many months and only went in last year's October. If you punch in wrong password, I think you also need to go back to BNM to get the PIN again. So keep your password well. |
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Apr 17 2019, 03:22 PM
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All Stars
14,965 posts Joined: May 2015
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QUOTE(anakMY @ Apr 17 2019, 03:18 PM) Do u all hv eCCRIS account? Gosh I feel like checking CCRIS but it ask me to go bank negara to get the PIN only I can login. And I do not wanna pay CTOS for the report. I think the FOC CTOS report is still available.Sponsored by CIMB so please expect to receive call from CIMB Telemarketing. No obligation to get CIMB CCs. https://ctosid.ctos.com.my/ctosid_new/cimb_C |
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Apr 17 2019, 03:27 PM
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Senior Member
1,450 posts Joined: Jul 2012
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QUOTE(ClarenceT @ Apr 17 2019, 03:22 PM) I think the FOC CTOS report is still available. it mentioned the promo ended already.Sponsored by CIMB so please expect to receive call from CIMB Telemarketing. No obligation to get CIMB CCs. https://ctosid.ctos.com.my/ctosid_new/cimb_C |
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Apr 17 2019, 03:32 PM
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Staff
72,888 posts Joined: Sep 2005 From: KUL
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QUOTE(Cantona2244 @ Apr 17 2019, 03:30 PM) Why my ccris only show me the 0 thing Of course, it doesn't.Didn't show me how much I pay every month 0 means good scoring, no issue. |
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Apr 17 2019, 04:21 PM
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Junior Member
323 posts Joined: Jul 2005 From: Subang Jaya
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QUOTE(ClarenceT @ Apr 17 2019, 03:22 PM) I think the FOC CTOS report is still available. Sponsored by CIMB so please expect to receive call from CIMB Telemarketing. No obligation to get CIMB CCs. https://ctosid.ctos.com.my/ctosid_new/cimb_C QUOTE(anakMY @ Apr 17 2019, 03:27 PM) it mentioned the promo ended already. This campaign ended on the 8th of April 2019. |
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Apr 17 2019, 10:31 PM
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Junior Member
85 posts Joined: Oct 2011
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Topup Bigpay and Boost entitled for JustOne credit card 15% "online purchase" cashback and liverpool cashback credit card 5% cashback?
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Apr 17 2019, 10:59 PM
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Senior Member
3,101 posts Joined: Dec 2007 
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QUOTE(dark_elvin @ Apr 17 2019, 10:31 PM) Topup Bigpay and Boost entitled for JustOne credit card 15% "online purchase" cashback and liverpool cashback credit card 5% cashback? Let me help you with that:1) https://forum.lowyat.net/index.php?act=Sear...highlite=bigpay 2) https://forum.lowyat.net/index.php?act=Sear...&highlite=boost This post has been edited by talexeh: Apr 17 2019, 10:59 PM |
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Apr 18 2019, 08:33 AM
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Junior Member
469 posts Joined: Jan 2013
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QUOTE(dark_elvin @ Apr 17 2019, 10:31 PM) Topup Bigpay and Boost entitled for JustOne credit card 15% "online purchase" cashback and liverpool cashback credit card 5% cashback? How about the top up without OTP from boost , that payment not qualify for CB ? |
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Apr 18 2019, 08:37 AM
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Senior Member
2,965 posts Joined: Jul 2014
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QUOTE(life27 @ Apr 18 2019, 08:33 AM) How about the top up without OTP from boost , that payment not qualify for CB ? Why don't you test it out and confirm to us after a month. Anywhere, afaik, OTP or no OTP, all entitled for cb. |
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Apr 18 2019, 08:50 AM
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All Stars
14,965 posts Joined: May 2015
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QUOTE(life27 @ Apr 18 2019, 08:33 AM) How about the top up without OTP from boost , that payment not qualify for CB ? You think too much, not really practical.If you are to spend RM2500 in 1 month, it is not easy to spend less than RM540 on Online/petrol/DirectDebit only, then your question is relevant. And it is no longer easy to top up Boost without OTP (ie BOOST APP SSL-EC KUALA LUMPUR MY). Most of the time, 3D (OTP) mode. |
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Apr 18 2019, 12:16 PM
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Senior Member
4,672 posts Joined: Nov 2016
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Liverpool Football Club World Tour 2019
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Apr 19 2019, 07:21 PM
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Senior Member
4,672 posts Joined: Nov 2016
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QUOTE(#Victor @ Apr 18 2019, 12:16 PM) Liverpool Football Club World Tour 2019 Happening now with LFC merchandise sales partner by SC. |
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Apr 20 2019, 09:09 AM
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Senior Member
1,227 posts Joined: May 2007
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Hi a quickie, indah water eligible transaction for cash back?
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Apr 20 2019, 10:05 AM
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Senior Member
1,683 posts Joined: Sep 2018
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QUOTE(bryan_x00 @ Apr 20 2019, 09:09 AM) Hi a quickie, indah water eligible transaction for cash back? Read TnC or use search buttonAttached thumbnail(s) 
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