Have a very bad experience with CIMB DA. At first I was thrilled when I get my CIMB DA ATM PIN but ended up with total disappointment. I thought of associating it with my existing CIMBClicks account.

Let's me start from the beginning. At first I got this saving account (SA) and it comes with an ATM card that will charge me RM 8 annually. Then I opened a CIMBClicks with this ATM card. Recently, I cancelled this 1st ATM card and opened a basic saving account (BSA) since it won't suck RM 8 every year. However, I couldn't remember the PIN I assigned for the 2nd ATM card and it has been blocked after 3 times. I couldn't associate this 2nd ATM card with the existing CIMBClicks and if I really need to the association, I have to pay RM 12 to get a new PIN or a new card. Here comes the real part, I applied CIMB DA so that I thought I could associate it to the existing CIMBClicks account. After got the PIN yesterday and generated a e-PIN, I realized that I couldn't gain any access. Gave a call to CIMBClicks CS and guess what they said.

They said it's different account category - ATM is deposit account and DA is credit card. Therefore, I couldn't associate CIMB DA CC to my exisiting CIMBClicks account. Fine and then I asked if I could cancel/terminate the existing CIMBClicks account for security purpose and it's meaningless to me as I couldn't view the details of SA, BSA and CIMB DA details unless I pay RM 12 for it. They said my CIMBClicks account is considered suspended but it's not terminated and somehow, it could still be activated. They said if I really want to terminate this existing CIMBClicks account, I need to provide them with my 1st ATM card number which god knows what is since I have returned to the home branch.

What's a great system. Totally inefficent as compared to M2U. I'll proceed with cancelling the SA, BSA and CIMBClicks account from now. They also said that if I wanted to view my CIMB DA details online (including statement and etc), I have to register a brand new CIMBClicks account. I was WTH. I have to maintain two accounts which sound ridiculous to me.

After this enjoyable call in the morning, I called CIMB DA CS to ask if I could cancel the CIMB DA ATM facility for security purpose since I got the PIN and generated a e-PIN. This PIN also allows to perform a cash advance. They asked me to suspend the facility by enterring the PIN wrongly for 3 times. I asked after I did this and in the future if I need the cash advance facility, could I able to request for a new PIN. They said cannot and I have to cancel this DA card and get a new replacement card.

What a pleasant morning to go through with CIMB and CIMB DA CS.

This post has been edited by David83: Feb 1 2008, 07:41 PM

I thought it should work the same way like Bonuslink whereby you put your Mesra/RealRewards card 1st before inserting your MBB or any CC.

I seldom use CIMB SA and that's why I cancelled the associated ATM card in order to prevent CIMB from sucking RM 8 every year. I opened BSA for usual deposit transasctions and god knows that I have forgotten my PIN.

I'm still thinking should I register another CIMBClicks account in order just to view/monitor my CIMB DA transactions online.

This post has been edited by David83: Feb 1 2008, 09:14 PM

Initial credit limit offered is based on your annual income. After that, it may be determined by spending pattern or upon card holder request.

50,000 users targeted annually for new card

PETALING JAYA: AEON Credit Service (M) Bhd expects to sign up 50,000 cardholders for its newly launched CRUIZE Visa credit card annually over the next three years, managing director Kuroda Naruhito said.

The target could be achieved, given that the credit card would be offered to existing Automobile Association of Malaysia (AAM) members and promoted nationwide, he said.

"Besides advertising, we are promoting the card at various PLUS locations (rest areas along the highway) for the coming holidays as well as the advantages of being an AAM member," he told reporters after the card launch yesterday.

Naruhito added that the two-pronged strategy would help AEON Credit and AAM increase their card and membership base respectively.

"It is important for us to work with strategic partners with a large retail base from which we can further enhance customer benefit and create a win-win situation for all parties," Naruhito said.

AEON Credit has a base of about 100,000 cardholders while AAM has 160,000 members. The association aims to draw one million road users as members.

New card members would also be able to enjoy waivers on AAM's joining fees and annual fees on the credit card for the first year.

"CRUIZE cardholders will also enjoy benefits such as free towing, a special accident care programme, discounts and privileges from motoring participating merchant brands such as Brother's car accessories, Cars International and Motor Trader," Naruhito said.

In conjunction with the launch, AEON Credit also unveiled its AEON Touch 'n Go Zing card linked to the CRUIZE Visa or any other AEON credit card.

"Our credit cards automatically reload the AEON Zing card whenever the balance falls below RM50," Naruhito said.

AEON Credit card business and marketing group general manager Stephen De Souza said the company was targeting to launch three more credit cards in similar tie-ups with reputable merchants before the end of the year.

URL: http://biz.thestar.com.my/news/story.asp?f...72&sec=business

Maybank doesn't give free gift when you apply cards with them. But I saw they offer things when renew insurance with them, get loan products (house/hire purchase) and etc.

They're telling the potential card holders that they're also offering the same feature too.

Sorry. I'm not aware that it works the inverse way. Not a big fan of Petronas petrol.

UOB or BHP? I think you're referring to BHP kiosks.

Nope. Shell put Bonuslink card 1st. Then followed by CC.

If I remembered correctly, it's the same for Esso & Mobil. Smiles card 1st, then CC.

This post has been edited by David83: Feb 2 2008, 02:37 PM

I know. We were arguing which card to slot in 1st. Membership card or credit card first?

Yes I'm aware of that after have been highlighted by WaCKy-Angel.

Just found out that two of my technician failed to get HSBC CC even though their basic salary meets the requirement of RM 18k p.a. HSBC sent them a rejection letter.

No reason is given. HSBC is a little lan si.

This post has been edited by David83: Feb 2 2008, 11:45 PM

Meaning that it's not FOC and has to pay RM 10/month in order to get it.

Good question. If I know the reason behind, I won't be sitting here and posting.

In fact, they applied through the HSBC booth they set up in our plant. They came to our plant at least once in a month.

Ha! Ha! I have no idea why they're here so frequent.

I'm sure that you missed my previous post regarding my frustation to associate CIMB DA to my exisitng CIMBClicks account.

To make it short, I'll answer your question as no even though I have got both ATM PIN and e-PIN for CIMB DA.

Most of the foreign banks are stricter. Couldn't blame them.

What Citibank tried to offer you?

I received two to three calls previously from HSBC regarding free supplementary card to my loved one and Balance Transfer programme.