It'll be HSBC. Always taking ownership of my problems and I feel very assured that everything's fine. CS is courteous and friendly and doesn't seem like talking based on a predefined script. (Or worst like they just woke up or having a realy bad and long day/can't wait till their shift is over)

The only slight problem I had with them was when they were sending my card, had a few logistics confusion till the point I felt that they are not really talking to each other. (CS, Card Approval/Processing, Courier) And my free gift is always not given to me. (Well, I don't really care about the free bags - it doesn't bothers me much but it's a promise that needs to be fulfilled)

This post has been edited by hye: May 17 2008, 10:47 AM

Like tinkerbel says ... all the folks here are just ordinary guys. What makes a person is not by the type of credit card a person holds - it's the person's character that matters.

While it's not surprising to find some Plat card holders acts as if they are godsend and likewise. And there are folks who holds classic cards (no offense/or reference to anyone here OK?) who behaves like some rich tycoon but actual no money but full of debts. (or worse, cheats other people's money)

Read the many threads in LY itself and you see many such cases.

This post has been edited by hye: May 18 2008, 12:38 AM

Anyone here would like to share their experiences on using the following cards ?

- HSBC Premier
- RHB VISA Infinite
- AEON Credit Card

Very little has been spoken about user experiences using these cards.

I was a victim myself. Made payment but AEON claim they never receive my payment at all. In the end, I paid double just to clear the account and cancel the card.

Every time I walked past a AEON credit card counter and see people signing up, I really want to tell them not to do so. It could turn up to be a mistake given the problems that AEON credit card gives to their customers.

@tinkerbel
It was just less than RM100. It was a good 3 months before I could settle all the problems. AEON was not keen to help me out as to them I was a guy who did not pay my debts. Every time I called the CS sounds skeptical about my story as they kept on saying something like "Emm ... we'll check out your story and get back to you later". What frustrates me if that every time I send them my proof of payment (like a couple of times), they will say that they did not receive it. I figured that I can choose to be a miser but it was was my financial credibility that is at stake over here.

I paid the bill but still receiving the bill till day on coz they now owe me a little bit of money. I'm imposing a lifetime ban on AEON credit cards. Nevertheless, I've been to their office in Japan before so this incident (the Malaysian office) sort of disappoints me on their lackadaisical attitude.

This post has been edited by hye: May 19 2008, 03:53 PM

Just noticed another interesting info. RHBBank mentioned in their website RHB Platinum that the minimum credit limit they'll give would be RM40k but I know someone who is a Platinum card holder of RHB but yet having credit limit of only RM30K. (And it's not an upgraded card - it's a new application)

I'm beginning to lose confidence in all the banks credit card promotions. They don't even practice what they publicized to the general public. How's that for credibility ?

Don't think so, I was there when he applied the card and he did not mention anything about a lower credit limit.

Nope ... it wouldn't be in my consideration for the moment time being. Although I'm a little puzzled on how come RHB would charge less for the international credit card transaction as stated earlier ? Didn't the forex conversation (for overseas credit card transactions) is all governed by Mastercard / VISA ?

*minthiam
I did actually. I tried to resolve this problem by faxing (a few times) and e-mail and nothing was solved after 3 months. End of 3 months and I finally decided to just pay again whatever their claims were. It's probably my worst credit card experience in all the credit card that I've owned previously.

This post has been edited by hye: May 19 2008, 08:03 PM

I paid less than RM 100. (Maybe even less than RM 80 as I can't remember the actual amount anymore) No need to sue them lah. The effort to sue them would cost more money, I think. What goes around comes around.

This post has been edited by hye: May 19 2008, 08:56 PM

*tinkerbel
Maybe yes, maybe no. Because if you use your income tax statement which shows the cumulative income then harder to point out whether the income is coming from a part/full time job.

I never knew Citibank rates was 1% on top and before this I did try to look for this info but they never did indicate the actual percentage. MBF (If I remember it correctly), charges 2.5% as administration fee on top of the conversion rate.

And when you mention RHB and DA - what would be the admin rates ? Or you are referring to the conversation rates?

Anyone here knows what is HSBC admin rates (if any) are and the competitiveness of their conversation rates ?

---

Added on May 19, 2008, 11:12 pmOK guys .... let's break it up. Enuff on the topic please ?

I'm also very particular these days about CS but it's a large credit card market out there. Different people would have different expectations on things, that's normal and it's a normal human tendency. If you don't like a particular bank for one reason or another, just cancel the card. Over the years, only AEON is the credit card that I'll never return to. As I mentioned before, it took me 2 cancellations with HSBC before I actually liked them.

I have applied for SCB for 3 times before finally getting my approval from them. In the end, I still cancel the card despite they offered to give me a Platinum card but without a credit limit upgrade, I couldn't see why I should say yes + the T&C acceptance of the Platinum card requires me to keep the existing Gold card. Emm ... I don't think so. I probably would have said yes to a VISA (Which give me access to the PriorityPass) but they offered me a Mastercard.

---

Added on May 19, 2008, 11:14 pmYeah ... I think I saw this too. Now I remembered my friend reason for applying for RHB's credit card. He got disappointed with the bank's offering and initiated the process to cancel the card.

This post has been edited by hye: May 19 2008, 11:14 PM

I'm particularly interested to hear about this HSBC horror story.

Guess everyone would have some bad stories to tell about their credit card provider. With HSBC, I went through the stage of unhappy, funny and now happy (satisfied so far).

This post has been edited by hye: May 20 2008, 10:36 PM

That's one heck of a mistake that HSBC did to you ? Tell us more of the story and the ending of the story as well. (Especially if they compensated you for this mishap)

You mean credit card application ? Yes, it shouldn't be a problem. Normally you can just make do with salary slip but the bank may ask for additional documents.

If you call them and ask about this question, they'll definitely ask for your new salary slip. (Most probably 1-3 months salary slip) Otherwise

- You need to put in a lot of money in FD
- Automatic upgrade which is offered once in a blue moon, provided the bank thinks you are entitled to it.

@tinkerbel
Citibank recently gave me a RM8K upgrade after a 2 year wait. The last I submitted my docs twice and each time they rejected my CL upgrade application. I gave up on the idea on them being nice to me despite this is the one card which I have been holding on the longest. It's up for cancellation soon.

Too bad Citibank.

Agree with you totally. This time around I wouldn't give them anymore business from myself (I'm not upset or anything like that) and would give the business to the next bank in line.

Shouldn't be a problem. Most banks would only ask for your proof of income (e.g salary slips, etc) but if you are applying for DA cards then they require the degree as part of their documentation requirements.

This will be interesting to watch. I can't believe what Citibank is up to these days. Market share or not but it's decreasing the value of the product and subsequently the brand (Citibank) as well.