Yes ur card is approved. The approval sms will come later.

I have online banking with SCB and I logged in to check out the approved cards even and the CL though I still haven't got them yet.

To my surprise, SCB only approved RM 5k CL for me. Even the CS find it funny when they approved my WorldMiles but only gave me RM 5k CL which is not even 1x my monthly salary.

I had SCB cards 3 years ago and that time they gave me RM 15k, this time they only approved me RM 5k. I last got RM 5k when I got my first CC in 2010.

Sorry but I find it a bit ridiculous and I have voiced this out with my agent, the CS said I can enjoy the benefits first but I do feel a bit insulted... You approved me a card which requires at least 90k p.a. but gave me RM 5k CL... Don't know what are they thinking.

If I were to maximize my JustOne and SCB Gold, it will come close to 5k and I can't even enjoy 20-days free interest period before swiping for next transactions.

A bit disappointed and I may not activate these cards. I shall consider again now.

After using CC for so many years, this is the first time I think I have missed a payment and being charged with late payment charges now.
RM 10. OMG. Due date was 27th July and I tried paying it just now at 11:59 instant transfer but it didn't work. Not sure if SCB doesn't accept instant banking from MBB or it is close to MBB's daily maintenance hour. I will do it the first thing tomorrow's morning.

I'm not sure if there is a chance to appeal or not for the waiver...

No la, my late payment penalty already showing in unbilled transaction.
I tried and it works, payment already went through. I will ask my sis to call SCB later.
One or two days sure no issue but I missed a few days, due date was 27th July.

Why is it so hard to get a standard chartered cc?

First timer wants to get a CC, no loans, RM4.2k monthly and six figures in deposits, but still cant get standard chartered credit card.

RM0.00 StanChart: Thank you for activating your credit card. RM150 cashback has been credited into your credit card. Treat yourself to more shopping!

Damn it, the salesman seems like bluffing me..
But the t&c kinda confusing me.

No 8 from the pdf file mention that RM100 cashback for activation within 45 days from card approval date.

In simple, meaning that I not need to swipe anything within 45 days, then I straight away get RM100 cashback?
No 10, The Reward will be credited to the Successful Eligible principal cardholder’s credit card account within 90 days from the
last day of the month in which the card was approved.
So the "reward" is regarding point reward or RM100 cashback reward? Then again is within 45 days or 90 days?

That is kinda a "mess" and complicated of the sentences (either my understanding is poor)... 
Anyway, it is a time to terminate this complicated card (either early or late)