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 CREDIT Card Thread v2, Everything about the world of plastic

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Shinichi
post Jan 5 2008, 11:33 AM

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Hi all, want to ask will the bank charge me if I cancel their credit card?
Shinichi
post Jan 5 2008, 12:09 PM

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QUOTE(David83 @ Jan 5 2008, 11:34 AM)
Usually they won't and they'll ask you clear all your outstanding.

Worst come to worst, you call the hotline by reporting a stolen or lost card case. tongue.gif
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QUOTE(myusername @ Jan 5 2008, 11:46 AM)
That's right, pay up outstanding, and no they won't charge you. They also have a whole department called card retention that will call you and try to tempt you to stay with waivers and freebies  thumbup.gif

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Thanks for the feedbacks.

I've paid all my outstanding balance then cancelled the card. They gave me a photocopy CC cancellation form. So I'll keep it as prove of my cancellation. And hopefully the bank will never contact me for anything relate to $$ tongue.gif
Shinichi
post Jan 5 2008, 05:56 PM

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QUOTE(c.o.o.l @ Jan 5 2008, 02:26 PM)
How long you take to cancel the card? Did you need to bring any documents?
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For me, I went to the counter, payed my outstanding balance and told them I want to cancel my card. They gave me form to fill in, then they punched holes on the chip and magnetic stripe of the CC, and photocopy the completed form with the card on top.

QUOTE(vin_ann @ Jan 5 2008, 05:40 PM)
good backup measure to back u up.
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Better be safe than sorry. smile.gif
Shinichi
post Jan 5 2008, 08:36 PM

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QUOTE(vin_ann @ Jan 5 2008, 07:21 PM)
how come so hassle ? ? ?

i remember last time when im cancel my PBB card, i just fill in the letter. tht's all. they never request for the card... hehe...
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Hmmm I not sure, but I feel its better I pass them the card and let them cut the card in front of me tongue.gif
Shinichi
post Jan 7 2008, 09:02 PM

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QUOTE(shiniraz @ Jan 7 2008, 11:04 AM)
Just apply for the CIMB Credit Card... then have to wiat untill 2 weeks before CIMB call me back.. hehe.. biggrin.gif
Anyway david, did you get your direct access card yet ?  smile.gif

I think the current CIMB CC promotion is quit good. No conditions(eg minimum spending, minimum swipe). no annual fees.. no ... no what more ek? heheh.. hope there is no hidden cost  hmm.gif
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I think if you have bank account with CIMB the process will be faster.

I got my CIMB CCs 1 week after I submitted application form.
Shinichi
post Jan 7 2008, 10:37 PM

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QUOTE(vin_ann @ Jan 7 2008, 09:18 PM)
no wonder until now im still not yet get my direct access...
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Maybe you can call the bank and ask them again?
Or resubmit the form?

QUOTE(c.o.o.l @ Jan 7 2008, 10:33 PM)
I think is RM1500 per month.
You will get 2 cards which is UOB One card and UOB Vox Card.
You need to swipe minimum 6 times per card to get annual fee waive.
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I think he was asking about Platinum card, not those normal card. And usually Platinum card requires monthly salary more than 5k (dependent on bank). Please correct me if I'm wrong...
Shinichi
post Jan 8 2008, 07:59 AM

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QUOTE(David83 @ Jan 8 2008, 06:39 AM)
How you give them your banking details to them? There's no place in the form to fill in these particulars. I got two CIMB accounts - one is SA and the other BSA. I'm planning to close the SA.
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I think they can check whether you have an account with them through your personal details such as IC number?

Anyway that was my guess on why I'm able to get my cards 1 week after I submitted the form. I not sure if there's any other reason behind this.
Shinichi
post Jan 8 2008, 10:34 PM

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QUOTE(l3iTi @ Jan 8 2008, 08:12 AM)
You send the CIMB DA application through mail or directly pass to the CIMB Branch??
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I directly pass it to branch.

QUOTE(David83 @ Jan 8 2008, 08:42 AM)
Did they call you for any verification?
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Nop, I never get any call from them.
Shinichi
post Jan 8 2008, 10:37 PM

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QUOTE(David83 @ Jan 8 2008, 10:35 PM)
So strange, I'm wondering why they didn't call for some verification. I thought usually banks will do that. hmm.gif
I don't see that will create a problem. If I remembered correctly, I used the above method to apply my current MBB Visa and upcoming CIMB DA Mastercard.
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I was wondering the same too... Probably they know us have CIMB account tongue.gif
Shinichi
post Jan 9 2008, 09:05 PM

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QUOTE(David83 @ Jan 9 2008, 08:41 PM)
Got my CIMB DA today. They used Pos Laju to courier the card to me.

Need to go through for activation since there's a warning stated that the card is blocked. They offer a credit limit of double my MBB Visa, HSBC Visa and HSBC Mastercard. It also got Paypass feature.
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Maybe you can wait them to call you and activate your cards for you? tongue.gif

For my case, 1 day after I got my card, they called me and asked me few questions before activate both of my cards smile.gif
Shinichi
post Jan 9 2008, 10:02 PM

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QUOTE(David83 @ Jan 9 2008, 10:00 PM)
1. Gold Card Privileges
2. Free For Life without any condition (no annual fee and no need to call CS for waiver).
3. As you said, lower requirement for Gold Card.
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I second this tongue.gif
Shinichi
post Jan 10 2008, 08:04 AM

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QUOTE(David83 @ Jan 9 2008, 10:02 PM)
Shinichi, are you applying for Mastercard? If yes, do you have anything about Virtual Mastercard?
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Hi, I applied for both Visa and Mastercard, but not Virtual Mastercard. But when I got my cards, there's an application form for Virtual Mastercard inside.

QUOTE(David83 @ Jan 9 2008, 10:17 PM)
That's why I'm asking. The form that I submitted doesn't have portion on Virtual Mastercard.

By the way, I asked about the free gift. They said that I need to charge my card once in order to get that one week later.
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I think I read somewhere before that Virtual Mastercard has a fee, but I not sure how much isit and whether its monthly fee or annual fee.

As for my free gift, I still haven't get it. sad.gif
I've charge the card within 1 month after I got it but till now not yet get my gift and Dec07 statement yet...
Shinichi
post Jan 10 2008, 09:42 PM

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QUOTE(David83 @ Jan 10 2008, 08:10 AM)
I didn't receive any form for Virtual Mastercard. There's a fee for it! WTH!
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I think so. Cant really recall how much is the fee.

QUOTE(vin_ann @ Jan 10 2008, 08:29 AM)
dammit... im just found a Sorry Note from Pos Laju...

no one is in house when the postman is came yesterday... Sigh...
have to wait until Sat only go to collect my package...

guess it's my DA... haha...
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Better go get yours soon. You sure dont want those post office ppl to open your package and use your card tongue.gif
Shinichi
post Jan 10 2008, 09:54 PM

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QUOTE(David83 @ Jan 10 2008, 09:50 PM)
Don't worry. The card has been blocked and needs activation.
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Ya i know, I was just joking tongue.gif

Anyway for online transaction I still prefer to use my Visa Electron rather than DA CC.
Shinichi
post Jan 10 2008, 10:49 PM

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QUOTE(David83 @ Jan 10 2008, 09:55 PM)
Any particular reason?
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Been using Visa Electron for Paypal long before I got my CC. Still feel better to use debit card for online transaction compared to credit card.
Shinichi
post Jan 12 2008, 12:12 AM

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QUOTE(vin_ann @ Jan 11 2008, 11:37 PM)
arlo....
wan to ask ur all opinion....
i just received Citibank catalog with my statement.

there is GO GREEN / GO PAPERLESS thing, if subscript, we will get 888 points...

what do ur thinks? worth to go paperless? or it's better to received paper statement???
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For me I prefer e-statement. First it is environmental friendly, second is I don't like to have piles of paper statements.

Not sure for my DA, if there's any option for me to choose e-statement rather than paper statement...
Shinichi
post Jan 12 2008, 09:48 PM

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Hi all, want to ask if I just put my credit cards there and din use it for long time, will the bank deactivate them?
Shinichi
post Jan 13 2008, 03:53 PM

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QUOTE(vin_ann @ Jan 12 2008, 09:54 PM)
i thinks at least use once lol...

why the bank wan to de-activate ur CC le?

they de-activate= no more business...
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I'm just worry. As I prefer to use cash over CC. CC for me is to use only at emergency time and I don't have cash on hand.

QUOTE(hye @ Jan 12 2008, 10:36 PM)
Shouldn't be. They'll be more than happy to charge you with the annual fees if you forgot to cancel the cards and the free annual fee period is up.
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Mine is free for life. So they wont earn any money from me if I pay all my balance on time.
Shinichi
post Jan 13 2008, 10:37 PM

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QUOTE(David83 @ Jan 13 2008, 05:05 PM)
The reason I want to cancel off my HSBC is because they're relocating their Bayan Baru branch.

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Heard it will be moved to Queensbay mall...
Shinichi
post Jan 23 2008, 10:48 AM

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QUOTE(David83 @ Jan 23 2008, 09:35 AM)
That's why they're terminating these programme so sudden!
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Are there stated in TnC they can terminate this service anytime without notice?
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