Try to make another follow-up on the matter. They probably did not process your annual fee waiver - if still no answer just terminate your card. Maybe that'll attract their attention and maybe it'll not.

Just don't get upset and just apply another card before canceling MBB's. I can tell ya that service level fluctuates in a bank - some days they are good and some days they are not. This applies to both local and international banks. Remember the credit card market is competitive these days - you don't have to worry about getting another credit card if you are not happy with your current one.

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Added on May 1, 2008, 11:51 pm

I just remembered something ... if you apply HSBC card, make sure you do not have 2 pending approval application from other banks. HSBC can see this information when they do their checking on an individual. If such a scenario occurs, HSBC's policy is to reject your application irrespective you are a potential "to be" approved customer. (Means you have no problems and under normal circumstances, your application stands to be approved)

but I now only apply hsbc only no other why so long?I call hsbc general line number and credit card helpline number same or not? they tell me they also check status online so no extra information can get.

what bank can see when they check record before approve application? standchart card difficult to get?

Try to make another follow-up on the matter. They probably did not process your annual fee waiver - if still no answer just terminate your card. Maybe that'll attract their attention and maybe it'll not.

Just don't get upset and just apply another card before canceling MBB's. I can tell ya that service level fluctuates in a bank - some days they are good and some days they are not. This applies to both local and international banks. Remember the credit card market is competitive these days - you don't have to worry about getting another credit card if you are not happy with your current one.

But my experience on reversing the annual fee with HSBC is being taken care fast; I think within one week from the date it was charged.

I don't have problem with it but then why did MBB charge me annual fee and when I asked for annual fee to be waived, they said they will credit back to me on the next month statement. That time was January and until this month statement, I don't see any amount credit into my statement. they bluff me ar???how to sue them ar?can ar?

but I now only apply hsbc only no other why so long?I call hsbc general line number and credit card helpline number same or not? they tell me they also check status online so no extra information can get.

what bank can see when they check record before approve application? standchart card difficult to get?

i am having same problem as u,,,,MBB will charge annual fee unless u call and request.

thinking of applying for the MBB Petronas (free for life) and then cancel my Classic Card MBB..

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Added on May 2, 2008, 8:41 amIn my case,
i was hounded by customer service HSBC twice since two month.

1st time,a malay HSBC call and pleading me to apply....fine i ask her to fax over....but she didn't follow up so i conveninently forgot to fax back.

then about a month back.... a chinese lady HSBC call and since she so persistently follow up on my application....so i apply lo..

I think it is much easier to get approval if u were to get a call from them and also if u currently have other bank credit card...in my case...my RHB have the highest credit limit...about 19k

So,i got my HSBC Gold Card(only free for 5 year annual fee) with similar credit limit.

i may suggest u go for credit card that offer free for life without any condition like CIMB Direct Access , Maybank petronas etc. For sure, consider also convinence / facilities when making payment. 

U should learn to spend wisely before u hold a credit card

i am having same problem as u,,,,MBB will charge annual fee unless u call and request.

thinking of applying for the MBB Petronas (free for life) and then cancel my Classic Card MBB..

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Added on May 2, 2008, 8:41 amIn my case,
i was hounded by customer service HSBC twice since two month.

1st time,a malay HSBC call and pleading me to apply....fine i ask her to fax over....but she didn't follow up so i conveninently forgot to fax back.

then about a month back.... a chinese lady HSBC call and since she so persistently follow up on my application....so i apply lo..

I think it is much easier to get approval if u were to get a call from them and also if u currently have other bank credit card...in my case...my RHB have the highest credit limit...about 19k

So,i got my HSBC Gold Card(only free for 5 year annual fee) with similar credit limit.

do the verify you then only process or verify then approve?please share

hi,
whether verify or process before approve,i also not sure?

coz actually i was reluctant to apply as i was having OCBC (housing loan,but free annual fee 5 years only),UOB,Hong Leong,Maybank,RHB credit card then..

Got sweet-talk by the HSBC who say i can get pocket watch free gift...and lator when my creditcard approved...i need to spend rm300 minimum....kena trick ...Arggg!!

All i know is HSBC call me on my handphone few days lator....answer some simple question...Presto....approved liao!!!
Same goes for CIMB-Petronas...apply coz free for life and AmBank Classic free for life....instant free gift some pvc pouch.

Nowadays i steer clear from credit card promotion booth.....free gifts temptation too great..

So within 2 months...i got another 3 new creditcard!!!! adding to my current collection.
think my total credit limit = RM116k approximate

and more debt lagi...

planning to cut those charging me annual fee..

Try to make another follow-up on the matter. They probably did not process your annual fee waiver - if still no answer just terminate your card. Maybe that'll attract their attention and maybe it'll not.

Just don't get upset and just apply another card before canceling MBB's. I can tell ya that service level fluctuates in a bank - some days they are good and some days they are not. This applies to both local and international banks. Remember the credit card market is competitive these days - you don't have to worry about getting another credit card if you are not happy with your current one.

But my experience on reversing the annual fee with HSBC is being taken care fast; I think within one week from the date it was charged.

hi,
whether verify or process before approve,i also not sure?

coz actually i was reluctant to apply as i was having OCBC (housing loan,but free annual fee 5 years only),UOB,Hong Leong,Maybank,RHB credit card then..

Got sweet-talk by the HSBC who say i can get pocket watch free gift...and lator when my creditcard approved...i need to spend rm300 minimum....kena trick ...Arggg!!

All i know is HSBC call me on my handphone few days lator....answer some simple question...Presto....approved liao!!!
Same goes for CIMB-Petronas...apply coz free for life and AmBank Classic free for life....instant free gift some pvc pouch.

Nowadays i steer clear from credit card promotion booth.....free gifts temptation too great..

So within 2 months...i got another 3 new creditcard!!!! adding to my current collection.
think my total credit limit = RM116k approximate

and more debt lagi...

planning to cut those charging me annual fee..

do they call your office to verify or just call you handphone only? sorry so many question 

you are to valuable for them.

i got few calls from HSBC, offer supplementary, buy insurance la... and bla bla bal...

but all kena rejected by me.

metsatsu:
i think u can do a normal IBG fund transfer to your citibank account. i never tried that before, but it should work. u need to pay extra fee for a IBG transaction though (RM1 maybe?)