I think u misunderstood the post. I think what the poster meant was that delivering of the free gift on time without hassles is a sign of good customer service. Unlike other cases where bank promised free gift but never sent and you have to call them to remind them (and sometimes after the reminder the bank still forgets).

Wah, struck at what? Lottery? Casino?

How come you don't like Cineleisure?

i believe what u saw in the LHDN website is the chargeable income, where is after minus all those relief and rebates.
i thinks people got do their tax planning, buy shares, get dividend, and have tax credit to set off your tax and bla bla bla.

ops... y talks about tax in here...

personal relief, EPF, medical insurance, parents medical bill, buy books..... if u r earning 6-7k n u are paid 13% of ur income to LHDN, u should look into ur tax planning.


Choose watever tht suits ur taste, i hav no more comment.

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.

if im not wrong, there was a user using the AEON credit card.

and he complain it's double charge him on the amount which he already paid.

at the end, he cancelled the card.

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.

OMG ... that sucks, man!

@thtan,
I'm glad I stumbled upon ur post as I didn't know RHB Platinum's gave access to Airport Lounges. Been scouting for one which gives such services and the only one I found thus far was Standard Chartered's Visa Platinum. I assume you're an existinig RHB Platinum user; would you care to elaborate more about their services? Would you recommend it?

@hye,
U sure are generous but that's not just bad customer service; it also reflects poor information/management system - how would I be able to trust they're professional enough not to give my information away?

[quote=tinkerbel,May 19 2008, 12:27 PM]
@thtan,
I'm glad I stumbled upon ur post as I didn't know RHB Platinum's gave access to Airport Lounges. Been scouting for one which gives such services and the only one I found thus far was Standard Chartered's Visa Platinum. I assume you're an existinig RHB Platinum user; would you care to elaborate more about their services? Would you recommend it?

RHB issues a Priority Pass(www.prioritypass.com) to all platinum card holders. The priority pass membership is a basic membership, so everytime you enter the lounge you need to pay an entrance fee of (USD24 Mastercard Platinum/USD23.5 Visa Platinum - old rate, not sure if has been revised or not). So instead of buying business class and above ticket you just need to pay that small sum to use the lounge facilities. Very pleasant especially when you need to stopover at a particular city for many hours, bigger airports lounges include bathroom facilities for you to make yourself comfortable. Unfortunately when we travel long distance the schedule is so tight that you don't have time to visit the lounge.

@thtan,
It works just like Standard Chartered's Visa Platinum. Anyhow, I tried to check out RHB's website for more informatino about their RHB Platinum cards but the links to Consumer Banking doesn't seem to be working *shrugs*

You're actually right, I'm not a jet-setter so I probably wouldn't be utilising this service much anyways

I there will be no difference in using HSBC Premier/RHB Visa Infinite. Key thing is the bank that you deal with.

I canceled my Citibank card (very pissed), because they overcharge on the overseas transactions. I swiped my card in Prague(Czech Republic), and got charged >RM5 per euro when my RHB charged me only 4.8++/euro. It doesn't look like a lot of money, but when you charge thousands to your card, it is unnecessary waste of money.

Regarding the Visa Infinite, most of the ppl who qualify do not bother to apply for it. Why? Because the rich(most) do not flaunt their wealth.

This post has been edited by thtan: May 19 2008, 01:19 PM

No point one having to pay for annual fees for any credit card. Go for those with free for life card, why want to pay for annual fees and incur more cost. Free dont want to apply/use and it must be something not right.

Even gold card already reach to very high limit credit and equivalent to platinum card credit limit. Come to think of it, it is useless if dont use to that extend of high limit right and dont have any extra more benefit to us and some more need to pay annual fees yearly for platinum card unless have plenty of $$ to spare unnecessary. Even have alot $$ also dont waste it unnecessary right.

Use only free for live credit card else just cut those which need to pay annual fees, no point waste of $$ and need to keep track of it so many credit card or yearly have to call in to get annual fee waived else just terminate the card. Even point earns were scatter when use different bank, redeemption of products thru points is very high in order to redeem.

Staying alow profile is better than showing off in order to avoid any unforseen things eg robbery,get people attention/notice etc

Purpose of credit card is to serve the user without carrying too much cash only. with $$ is King not with alot of credit card.

This post has been edited by ankw: May 19 2008, 01:37 PM

Interesting stuff we have here........

like this u also able to spot.

Agree 200%

Remember his/her nick due to the amazing statement here.

@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

ops, its you ar? forget tim. haha.

btw, i thinks hardly got AEON credit card holder in here le. i thinks AEON mostly is target on aunty/uncle who always shopping in Jasco.

85K annual income to get gold card 20K credit limit, i think quite normal. coz 48K income can get 8-12K limit.
she is young...