That's what I'm thinking...
The other reason is MBB does not allow existing card holders to jump to Petronas CC, so they can charge on annual fees.

It happen to me before, petrol transaction never appear in my statement, even after many years. Either the merchant or bank system screw up somewhere during the transaction. I have the receipt, but faded already.

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Added on April 17, 2008, 8:37 amYa wor... 60k, so low. "Now everyone can platinum credit card" - HLB

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Added on April 17, 2008, 8:40 amNone satisfy full 100%, refer above in blue.


This post has been edited by cute_boboi: Apr 17 2008, 08:40 AM

Refer above in blue.

Again, it's due to personal preference. Some ppl like the "branding", some swear by overseas travel, some swear by customer service, response time, international image, etc.

For me, I swear by:
1) No need call for annual fee waiver - free for life.
2) Ease of paying monthly statement, whether through cheque by mail, online payment, or ATM, or a lot of branches.
3) Points collection and things to redeem.

Anyone with MBB Visa (any card) manage to get the MBB Petronas Visa card yet ?

No problem with me, but I'm not sure MBB will have problem if a customer is in that situation.
Thank you.

That's the problem why I don't really want to apply for HSBC, StanChart, Citibank, etc. cards. I don't want to waste my time once every year to call (beg/threaten) them to waive the annual fees.

The current M'sia market is free for life credit cards with no condition.

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Added on May 6, 2008, 6:02 pmAnyway, I was at MV last weekend also and pass by there but didn't go in. On the way to pet shop...

The entrance looks empty though. Maybe it is catered for special category card users, unlike MBB Treatpoints fair which is like PC Fair... free for all.

Next MBB Treats Fair 31 July - 3 August @Mid Valley KL



This post has been edited by cute_boboi: May 6 2008, 06:02 PM

Well, they can go ahead and blacklist me. I have nothing to lose with them and I think they have nothing to lose without me as well.

I don't like to call Citibank to waive annual fees. I repeat, I don't beg Citibank, in fact I cancelled their cards several times when they refused to waive the fees, yet they re-offer back to me after 6-12 mths. Then cancel again after 1-2 yrs... then offer back.

Why do I need them to clear my name ??? For what reason ??? so I can beg and apply their card again ? Now I get fedup and just keep the card as spare. In fact, they send me a Shell Citibank CC and call me up to activate it... I told them no thanks and cut the card.

Things I don't like about Citibank CC:
1) Limited branches to pay in KL
2) Cannot pay online like Maybank2u (obviously I'm just a small chick-pea that doesn't warrant a savings/current a/c in Citibank)
3) Amex is offering 2x points forever. The rest 1x only, except promotion period or rebate.
4) International recognition ? BAH!... So far I did not encounter any problem using MBB outside M'sia.

I don't have problem using MBB Amex in Asia and Europe. I'm not here to champion MBB or Amex, but I think it is personal preference on which card suits a person lifestyle better.

No worries I do check CCRIS myself at Bank Negara (BNM) once every 1-2 years. All clear. It's free and I'm a bit scared about ppl misusing my name/ID to apply loans/etc.

Basically, a bank (any bank, not just Citibank) cannot simply blacklist a person in CCRIS. There must be sufficient proof/reason. I have lodge a complain with BNM before and created a big hoo-haa , yet they still offer me bank loan when I applied. It's not a local bank, some of you might have read it before in other threads

Bottomline, I don't see the threat from Citibank like you mentioned.

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Added on May 7, 2008, 12:23 pmIf it is a company card, there won't be any points for you. The reason is the company negotiate direct with CC provider for a special discount/rebate on amount used, on bulk employees.

Same like petrol Fleetcards. You don't get any Mesra, Smiles, Bonuslink, etc. points.

That's why it is may be better to use own card to swipe and claim later, but you must have sufficient float to make full payment every month before claim approved. However, this is subject to company policy.


This post has been edited by cute_boboi: May 7 2008, 12:23 PM

Open on Sat = no, I don't think so.

Just walk in to any BNM branches. I always goto BNM at Jalan Dato' Onn (Next to Bank Rakyat, DBKL building area, Bank Negara KTM station)

Ground floor counter.
Request for personal CCRIS check
Submit original IC
Wait... while waiting, you can exchange all those torn/damaged notes/coins
Later, they'll call your name, sit down and enquire you on the loans/credit that you have taken.
If no problem, they will give you the printouts, say thank you and bye bye.
All done normally in <30 min and it's free.

If you want to lodge a complain, ask the receptionist again, they will divert you to some floors for proper complain... be prepared with all your bullets (proof) to fire away at the bank/insurance of your choice...

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Added on May 7, 2008, 3:28 pmIn this case, I will agree with you.

If the bank refused to waive the annual fee, the customer has options:
1) Pay annual fee
2) Cancel the card
3) Downgrade the card and pay annual fee.

If the user does not cancel the card, it is already made clear by the recorded telephone conversation (customer support) that the annual fee cannot be waived, and the customer HAS TO PAY. If the customer does not pay, it will be treated as unpaid balance. If the customer still doesn't pay and cut the card later (after few months), that balance is considered as debt to the bank, and they can lodge the user as bad-debt in CCRIS.


This post has been edited by cute_boboi: May 7 2008, 03:28 PM

Yes, you are right, and outside M'sia/S'pore, the annual fees are higher/non-waivable.. The problem now is, I don't like to remind myself every year to call them up and waive it.

That's the problem. I don't have a sexretary. I got other things to think/worry than looking at my statement and...
"oh boy... [self-censored-unprintable-words]... need to call them up again. Have to wait 2-20 minutes and punch the phone for respective menus before talking to a human, verify, put in request, bla bla bla... cannot waive, talk to supervisor/manager, bla bla..." nevermind, cancel it. No need waive. Thank you.

Without calling them up, is it possible to have auto-waiver ? Maybe not me...

(1) I don't want to be in that situation (bold above)
(2) But I'm not as old as your dad, confirmed.
(3) Auto-waive ? Does it really work for those "swipe once a month or 12x a yr" ? (except for MBB Flexx)

You are right. That's the points and situation I don't want.

I don't want to waste time to call up the bank and request waiver, which is subject to approve/reject. Most of the time, I have bad luck... they always ask me to pay or deduct from points. Maybe I have too much points

I have tried many combinations during 1-2 years usage, and request waiver.
- Spend xxx a month as secondary card, no waiver.
- Spend xxxx a month as primary card, no waiver.
- Even spend xxxxx every month (company use), also no waiver...

Hence, I have decided not to call up/request waiver already, for any banks. Any statement that comes with annual fees, I straight away cut and send letter to cancel the card. No need talk. If the bank is pro-active enough, they should auto-waive it, not giving reasons like too many work/processing.