I applied for a housing loan and two credit cards were applied (even though I explicitly said I did not want/need them). Immediately once I got them, I gave RHB a call to cancel the cards. This was back in Jan 2021.

As I recall, there was even a letter sent to me to confirm this.

Fast forward to today, I have created my savings account to link for direct debit to HL. Once I login...I see got two credit cards.

Is this normal, for the cancelled cards to still show up in my accounts page? I never even activated the cards, so how is this possible?

Thanks!

No it is not normal for banks to apply for credit cards on behalf of their applicants; nor apply for any additional financial service without their applicant's consent!

TS should report to directly to the branch bank manager for this as their staff could've been signing other unknowing applicants to fill up their monthly quota. Thus applicants are unknowing forced to have hidden yearly CC charges.

This happened to me when I've applied for a HSBC CC and decided to pick it up at a branch near me, the service rep kept pushing me to open savings account with them, to which I've explicitly rejected and only signed on the document which acknowledged me picking up my credit card only.

2 Days later, I've found out that THAT specific branch had opened a premier savings account under my name (without my consent) and I would've been subjected to a monthly admin charge of RM200 (if the account does not have a minimum balance of RM10,000 per month, or transacted at least RM10,000 per month).

I got pissed, I've made a call to HSBC main customer line and then gave them all the details (branch name and service rep name), then I went back to the branch and complained to the manager and forced them to close the account immediately, the service rep was then fired on the spot. (But God knows whether they hired him back again or it was their SOP to hit quotas).

This post has been edited by 11674896: Mar 24 2021, 10:05 PM

That is not the question here. I had already posted about it here. https://forum.lowyat.net/topic/5087555

Not worth the effort to report them about it.

The question now is, why are the cancelled accounts showing up in the website and mobile app?

i think you can link or unlink a CC to be shown on your internet/mobile banking.

i had this issue before too.

My observation is that banks seems like having disintegrated database.

The marketing and the banking side data is not sync usually

can just request to remove from the online banking

My cancelled CCs still appeared in the online banking too. Have to visit the branch to get rid of it. Too lazy to queue up.

I would advice you to check eCCRIS to confirm that the bank really terminate your card or merely block it.

This post has been edited by Human Nature: Mar 25 2021, 11:31 AM