I recently encountered some issue with SCB.
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.
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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.
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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.
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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.
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Mid Apr - I checked my CCRIS again, now it show JAN 0 FEB 1 MAR 0 . The non-payment stays there.
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Send my CCRIS report to SCB for investigation.
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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.
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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 settledAlways 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.
Will that affect ur credit score to apply loans or CC ? seems like only a small amount.