So I apply credit card through ringgit plus

It's his HSBC card. And then hsbc rejected my application.

And then ringgit + call me. I told them that he hsbc rejected me and ass what is my credit score. My credit score is 793. I'm not sure whether 793 is good or not. Yhen this ringgit plus guy offer me 2 credit cards

With confirm lepas one. Not only that, he also promised 2 free gifts from each bank. Got default prize and lucky draw summore.

I was puzzled. I told him i only need one. He told me u dontwat a free gift. I said only if no annual fees. He said no annual fees.


Fyi , i was previously credit card citibank and stansard chartered customer. And now ringgit plus managed to secure me 2 credit card from these banks.


What is the terma dan syarat actually. Previously was customer oso can get prize? That guy oso said, after 1 year its up to u wanna cancel or not. Of course laa... I dont need 2.

Do u know why they did this?

Commission, obviously.

you try immediate cancellation

agent might call back to f 9 you

they're desperate for sales now

Basically same like those credit card agents at mall.

Don't pay

Then no cc

Problem solved

Nao new problems

Topkek

Just use cash better.

TS dono nowadays empty promise budaya kita?

ts asking if he is x bank card holder can he get free gifts AGAIN from the same bank, panjang cite buat pe?

obviously they have commission & kpi to meet

Apa lanjiao english

Any Bank cc with good gift now?

This post has been edited by JustAskingOnly: Aug 4 2021, 09:02 PM

don't forget end of year cancel card, or else rm25 tax

I try apply cc. Its said min salary 2k monthly. But when i try apply all rejected. Waste time only.

Can you convey your message in proper English?

Fyi, you can cancel anytime. Not necessary after 1 year.

Cancerous english.

Its good to have credit cards if you have self control.
Can improge your credit score.

So wad bank is the 2 cards?

Kesian the ringgitplus custome service need to entertain customer like TS

after you get free gift, cancel after 1 week, repeat after 6 months

you kena upsell also dunno
really waterfish with sales agent

I applied for it a year back, they called me and told me that they ran out of the gift I was suppose to get. Fired them, then they told me they have it.

TS English cekik darah.

which bank la ts

because u no credit score. when i first started work with salary of 10k/mo, also kena reject cc. later got a housing loan, then suddenly being bombarded by cold calls asking to sign up cc

Wait, how do you have 793? How many loans do you have?

What are the free gift? Recently saw the ads they are giving away iPad

Owh.. no wonder la. I only got asb loan. I zero commitment..

Sorry i use voice to text coz long entry haha...

2 housing loans

Sorry use voice to text coz long entry lazy type.
Citibank and standard chartered

Sorry voice to text. Lazy type. Coz long entry

Be careful when applying credit cards using agents. Just apply from your bank, in the branch. Control is much stricter for bank own staff. There were cases where agents submit cc applications using customer details but using their address & contact no. You know what happened after that.

commissions lah of course

be prepared to get spam after this!!!

Biasa la now even bank manager sell thier own staff customer list to outside agency

$$$$$

Ass what card

Nama pun " funny story"... Funny as in odd

Credit card application is super fast these day. Today apply tomorrow receive SMS card is being delivered to my house

I have 5 CCs and a never missed payments before. Padan muka bank cant make money out of me

I also want to apply

By using it, they still thanks to u merchant have to pay them lam

Ok that makes sense. I'm stuck in the mid 600s (Experian iScore) because I only have credit cards.

ya i got amazfit bip pro few months after i applied my citibank cc via ringgit+.. previously got a luggage bag from OCBC when I applied with them

I applied HSBC, got signature visa. Got maybank signature also., But I think I gonna cancel maybank one. Too many CC

Damn, so much gift. I got nothing. 200 cashback only. diu..

wait citi is exiting msia market right?
why still hardsell?

https://www.theedgemarkets.com/article/citi...s-remain-normal

Just got a letter from them saying business as usual, and that they are replacing my visa with a mastercard, topkek.

I don't actually understand what the problem is

Once upon a time there were agents that will actually push people to listen to them.