Applied for the Simply Cash card via RinggitPlus yesterday and got rejected lol

No reason stated. Wonder what sort of criteria they employ to screen applicants

How did you submit the request?

The website seems mostly seems the same as the outdated app and only has a request for annual fee waiver.

The hotline is always busy and I even went to a branch to ask about the waiver and they said it was not possible lol

? Uhhh.. the other poster just said they got it.

I've also gotten the RM 25 SST/Service tax waivers for my previous cards from Citibank & HSBC by calling the respective card issuer's hotlines.

Perhaps the banks might employ different terms such as 'rebates' or 'credits' but functionally they are still waivers. iirc Citibank in particular used that reasoning ("we are required to charge SST by the govt") but will reimburse you by crediting the amount on the next statement after you pay.

Thats what I just said lol

The mechanics of the waiver/refund/credit doesn't matter to the end user as long as they ultimately don't have to pay, or they have to pay it first then have the amount credited to their next statement, which functionally amounts to a waiver of sorts.

While the banks can't outright bypass the issuance of the SST/Service tax, the above is essentially a workaround to providing the user a 'waiver'.

In any case, SC is definitely one of the most troublesome banks to deal with lol

When my HSBC card was affected by the ipay88 data breach last year, while I couldn't contact them via the hotline as it was constantly busy, I was still able to have things resolved by visiting a branch. In the case of SC, they messed up the delivery of my card and I had problems with the app but when I went to a branch for assistance they basically told me to contact the hotline which is somehow always busy too lol

Forgot to mentioned I used your technique and it was approved.

Got the rebate/cashback just recently as well


Btw how did you manage to screenshot the app lol

Overall I still think its ~average.

The app feels outdated. Have also faced issues logging in at times. And you cant even view your statement from the app lol

Using their SimplyCash card currently and their cashback system also somehow feels more complicated than my previous HSBC card.

The other comments here have also mentioned how difficult it is to get in touch with customer support. Even when you visit a physical branch, there are barely enough personnel to handle visitors.

Whats the easiest way to cancel the card?

Tried doing it in the app but wasn't able to as there is still some outstanding balance.

Can I visit a branch to cancel and settle the balance? The last time I went to an SC branch for some card related matter they directed me to call the hotline or use the app lol