So based on feedback, seems that it is safe to say that 99% of time a call to request for annual fee waiver will be granted?

Initially I just applied the Visa Platinum card since that is guaranteed free for life to get the free gift from RinggitPlus. The salesperson called and offered JustOne card and since first year is free so why not give it a try as well.

I don't quite like the hassle of calling for annual fee waiver every year if they tend to not approve it as I don't see myself using this card that much.

Received notification that card is approved, I'm getting the feeling that I'll also be getting 5k credit limit since HSBC just gave me relatively low limit as well.

Received my card, 5k limit as expected.

Just curious, the account is called 'Just One Cashback Platinum Prin', what does the Prin stands for?

I see, the other SC card I have does not have principal on it. I guess this is like a "main" account.

I'm guessing that it is just to make this card look like AF can be waived. Previously there was no indication that it can be waived with certain condition.

Hopefully when this is effective it can still be waived easily via a phone call.

SC statement date only limited choice? I called and they told me I can only choose 8, 16 or 18.

Tried calling again today, suddenly 30th is available.

In my latest statement for JustOne, saw that there is an annual fee charged when I thought it should be waived for the first year. The CS checked in the system and was told that my account is not eligible for the waiver, weird since it states first year should be waived.

Either way she has submitted the waiver request for reason that I have been a good paymaster and frequent usage of the card.

So meaning to say annual fee (if any) is charged the moment you get the card?

Example if I apply and receive a new card that has annual fee this month, I will be charged the annual fee when I get the card for Sept 2018 until Sept 2019?

Never had any other card that charged the moment I received the card so no experience on this.

Where’s my RM85?

I’m adding the Cashback card as an additional card to my JOP. If my JOP anniversary is in May and I get my Cashback card this month, do I now have different anniversaries for each card or it will follow my other cards?

As I also need to know by when I should have 20k spending to get the annual fee waiver.

Yes it works like any other authenticator. Similar to how HSBC’s security device works but for this it is done via its phone app.

What’s the timing secret?

Does every SC card gives you maximum 2 spins a day?

Or it could be they have two different payment gateway processor and both are having different MCC at the moment. Something like how Shopee switches between the two gateway they have.

I have 2 SC cards, Liverpool and JustOne. I accidentally mixed up the amount and transferred to wrong accounts between this two.

So my JustOne has excess payment and Liverpool has not enough payment.

I spoke to CS and they said they will help to transfer but it will take 3 days. My due date just passed and she said I will be charged the late payment fees/interest.

Anyone has successfully appealed for such cases before? Technically I paid in full for my total combined statement, just to the wrong accounts.

This post has been edited by OKLY: Jul 18 2019, 05:48 PM

Which button to redeem cashback? Can’t seem to find it.

Ok I need to let it load for few minutes only can see it at the bottom of the page. That’s bad, who even approved this updated website to go live?

Really had to use the emergency option to speak to a customer service rep. Secure mail through online banking kinda hopeless, difficult to get a reply.