If I'm not mistaken only UOB, HSBC, Citibank, StandardChartered, MBF & OCBC provides e-statement.

This post has been edited by hye: Jan 12 2008, 08:19 AM

If choose UOB e-statement, there is no extra gift/points.

Just now tried to use CIMB DA Paypass but failed. Not sure if my card hasn't activated (Paypass feature) or the terminal got problem. Tried twice.

Paypass feature no need to activate, it comes hand-in-hand with the card active status. Must be the terminal

Sigh... now i really can see the different between a local bank and the foreign bank....

Local bank "slow" in action.... really huge different and dissapointed...

Got my DA CC today... come in with Master card n Visa... and im just activated my MasterCard only...

DA like david mention, need to call in to activate.

My dissapointment:

can not use immediately, have to wait for 1 hour later only can use.

come to E-banking, also can not register online. i have to fill in the global link and send it back to DA.

then come to Secure-e Pay, (where all the online paying o shopping need to register) tried to register but failed. Called the CS then only found out tht, im only can register my secure-e pay tomolo after 8am...

all are operational issues....

guess... my expectation is too high for them...

My dissapointment:

can not use immediately, have to wait for 1 hour later only can use. **That CS told me that my card is ready to use after 10 minutes or I heard wrongly that he'll activate my card 10 minutes later. No worries to me since I'm desperately want to use it. **

come to E-banking, also can not register online. i have to fill in the global link and send it back to DA.
**E-banking? View information and statement using CIMBClicks? If that is what you meant, I ticked on the form for this option and I did ask about this during my call for activation. The CS told me that my PIN will come later (don't know how many days it's going to take). It's already 2 to 3 days after I got my card. Let see how on Monday since Thursday was a public holiday.**

then come to Secure-e Pay, (where all the online paying o shopping need to register) tried to register but failed. Called the CS then only found out tht, im only can register my secure-e pay tomolo after 8am...
**From where you register that? Are you referring to Mastercard Securecode? DA support this already?**

all are operational issues....

guess... my expectation is too high for them...

My dissapointment:

can not use immediately, have to wait for 1 hour later only can use. **That CS told me that my card is ready to use after 10 minutes or I heard wrongly that he'll activate my card 10 minutes later. No worries to me since I'm desperately want to use it. **
the CS girl told me is 1 hour.

come to E-banking, also can not register online. i have to fill in the global link and send it back to DA.
**E-banking? View information and statement using CIMBClicks? If that is what you meant, I ticked on the form for this option and I did ask about this during my call for activation. The CS told me that my PIN will come later (don't know how many days it's going to take). It's already 2 to 3 days after I got my card. Let see how on Monday since Thursday was a public holiday.**
e-banking or online banking lol... i thinks the DA is using their own DA kua... just now when im complain about Secure pay thing, he ask me which website im in now. seems DA is DA lol... not CIMBClicks.

then come to Secure-e Pay, (where all the online paying o shopping need to register) tried to register but failed. Called the CS then only found out tht, im only can register my secure-e pay tomolo after 8am...
**From where you register that? Are you referring to Mastercard Securecode? DA support this already?**
it's from DA website itself lol. not the Mastercard Securecode. just now call the CS, the CS ask me which website im in now and wan me to read out the link to him. and im in the DA website.
btw, the pin, u will received within 14days upon received of request form lol

all are operational issues....

guess... my expectation is too high for them...

I agree on the hassle to have online banking for your DA credit cards. I had this problem as well and the PIN take ages to arrive.

If you click Login on DA page under Internet Banking, it'll redirect you to CIMBClicks login page.

As for Secure-e Pay, I just tound it at

http://www.directaccess.com.my/index.php?c...rd&ac=44&tpt=da

I think my bank hates me, so I need to ask this question for confirmation:

Will banks terminate your credit card account if you don't carry a balance and spend only RM20k per year?

If any of you have ever heard of this happening before, please share.

Nope..

20k/year is alot and bank will be happy for it

Then why did I receive only 1-years' validity last year (previously, card validity was 2 years)?

And now, my card will be expiring end of January and I have yet to receive the renewal card. Previously, the renewal card arrived 1 month before expiry.

The validity isnt important becoz the cards has different types and different batch of card issued have something different..

U can call up the bank and ask why the new hard havent arrived yet.

Btw wat bank? Maybank?

Which bank are you talking about here ?

IMHO, in a worst case scenario - you can just cancel off the card if you don't want to pay the annual fees and apply for another bank. These days the credit card market is very competitive, especially in the Klang Valley. I don't think you'll have problems finding another bank to go to if you have been a good paymaster and no bad debts anywhere.

This post has been edited by hye: Jan 12 2008, 03:47 PM

My annual spending into credit card couldn't even reach that.

This post has been edited by David83: Jan 12 2008, 03:55 PM

Standard Chartered. Yes, called up card centre and they said card will arrive by 10th latest.

Regarding card validity, I think it does mean something. 3 or 4 years...bank trusts you. 2 years...usually new card users on probation. 1 year...bank doesn't want your business. Am I wrong about this?

More importantly, why would a bank delay delivery of a renewal card?




Yes, but if Standard Chartered is going to cancel my card for god knows what reason, then what's to stop another bank from doing the same? That's why I asked the question. If my card usage is not what banks like, then it's no point bank hopping.

This post has been edited by satur9: Jan 12 2008, 04:01 PM

Nope it doesnt mean anything..

Each batch of card issued will have different programs/features..its very technical so its not easy to be understand.
Banks have planned new features/upgrades for 2-3 years ahead so they have planned the card rollout.

Delay?
Not to be rude, but u worried too much i can say.

Nope it doesnt mean anything..

Each batch of card issued will have different programs/features..its very technical so its not easy to be understand.
Banks have planned new features/upgrades for 2-3 years ahead so they have planned the card rollout.

OK, I hope you're right.

Delay?
Not to be rude, but u worried too much i can say.

Maybe I'm too insecure, LOL. Always over-analyse. But if you guys think I'm worrying over nothing, then thanks! Hope my card arrives next week.

I had Standard Chartered card before. I can safely say they issue card for 1 year and then extend further. Well banks after all are run by people, there's a chance that they overlooked your account and thus the card is delayed. Plus, its the beginning of the year - lots of holidays. Generally the longer you are with a bank, the better off you are but I disagree on this. I had 1 card which I held for so many years (it's not a local bank) - no upgrades offered by the bank (I had to apply for a credit limit increase, twice) at all ever. I don't default on payments except maybe late a few days + spends generously on the card every year.

I think you worry too much for nothing. Same advise, if you think the bank is wasting your time - just apply to another bank simple. Unless of course you have bad credit history (which only you can answer this, no offense) then no one can help you.

This post has been edited by hye: Jan 12 2008, 05:06 PM

I had Standard Chartered card before. I can safely say they issue card for 1 year and then extend further.

Well, there you go. That's what I'm talking about. The longer the credit account, the longer the validity, right? The first 2 times, I got 2 years...then suddenly reduced to 1 year. And now...looks like no card at all.

I think you worry too much for nothing. Same advise, if you think the bank is wasting your time - just apply to another bank simple. Unless of course you have bad credit history (which only you can answer this, no offense) then no one can help you.

Never ever had a house loan, car loan or any other loans. So definitely no credit history. Only 1 credit card. Never late, monthly balance always settled in full the past 5 years.

So...see why I'm asking the question in the first place? Why does the bank think I'm a bad customer? There must be a reason.