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 Credit Card Thread V3, Everything about Plastic World Fantasia

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MilesAndMore
post May 28 2008, 06:59 PM

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QUOTE(tinkerbel @ May 28 2008, 03:18 PM)
@MilesAndMore,
I also checked on the 'Administrative Charges' of 1% on HSBC credit cards - apparently my RM tells me there is no such charge to the customer and that is applicable throughout ALL HSBC cards.  I told her I got a different information from the Card Centre CS and she tells me she will get back to me.
Ok. Keep us posted.
TSvin_ann
post May 28 2008, 07:37 PM

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QUOTE(babylabbit @ May 28 2008, 06:46 PM)
most effective way to cut...

go to any of the bank branch...see the customer service ....
borrow gunting cut infront of them...
they will fill in a form.for u....stating the card have been cut n cancel...
anything happen....u got prove u cancel already....

happy.gif

p/s: n u will get a call back ask why cancel just say something lo ahhaha...dont ever agree again coz they very effective to send u back a new card smile.gif
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tht's if u got the time and effort to bank.

the best way is to fax in to cancel the card.
hye
post May 28 2008, 08:02 PM

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QUOTE(babylabbit @ May 28 2008, 06:46 PM)
p/s: n u will get a call back ask why cancel just say something lo ahhaha...dont ever agree again coz they very effective to send u back a new card smile.gif
Strangely the banks never came back to me to offer a new card whenever I cancel their cards. hmm.gif
young_mane
post May 28 2008, 09:14 PM

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Guys, pardon me for asking this...

I saw this statement on the first page of this thread:
"*warning
new BNM ruling whereby if you are not a full pay master of your credit card for the past 12 months, beginning from June/July 2008, all your transactions would be charged finance charges (17% p.a.) the moment you swipe. It means irregardless what you buy be it petrol or PC parts, it will have finance charges starting on the transaction date itself."

May I know that this is confirmed?

Because I went to BNM's website and there was no mention of this....
TSvin_ann
post May 28 2008, 09:25 PM

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QUOTE(young_mane @ May 28 2008, 09:14 PM)
Guys, pardon me for asking this...

I saw this statement on the first page of this thread:
"*warning
new BNM ruling whereby if you are not a full pay master of your credit card for the past 12 months, beginning from June/July 2008, all your transactions would be charged finance charges (17% p.a.) the moment you swipe. It means irregardless what you buy be it petrol or PC parts, it will have finance charges starting on the transaction date itself."

May I know that this is confirmed?

Because I went to BNM's website and there was no mention of this....
*
yes. some1 mention it in few pages back. you can surf it
young_mane
post May 28 2008, 09:47 PM

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QUOTE(vin_ann @ May 28 2008, 10:25 PM)
yes. some1 mention it in few pages back. you can surf it
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Thank you very much.I have actually read them...

But what puzzles me is that this rule is:

a) You must be at least a prompt minimum repayment pay master to avoid this situation

or

b) You must be a prompt paymaster who settles in full to avoid this situation.


I am questioning this(even though in the statement from the first post is refering that the answer should be "b") because I have received letters from both HSBC and OCBC stating that the answer seems to be pointing to "a".
++++++++++++++++++++++++++++++++++++++++++++++++++++++

Edit: I know what is going on already. Thanks

This post has been edited by young_mane: May 28 2008, 09:49 PM
TSvin_ann
post May 28 2008, 10:02 PM

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QUOTE
helo, i have a confuse on the new BNM ruling whereby if you are not a full pay master of your credit card for the past 12 months, beginning from June/July 2008, all your transactions would be charged finance charges (17% p.a.) the moment you swipe. It means irregardless what you buy be it petrol or PC parts, it will have finance charges starting on the transaction date itself."

May I know that this is confirmed based on my own interpretation.

But what puzzles me is that this rule is:

a) You must be at least a prompt minimum repayment pay master to avoid this situation

or

b) You must be a prompt paymaster who settles in full to avoid this situation.

which situation it refer to? thanks.


i modify abit and the above is what im sending to HSBC via my online account. let's waiting for their reply. tongue.gif

will send the same thing to Citibank as well.
b00n
post May 28 2008, 10:12 PM

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It's answer A.
When you logically think about it if it's B i.e. "settles in full" than you wouldn't even be charge interest in the first place.
zenquix
post May 28 2008, 10:22 PM

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QUOTE
Visa used to be accepted worldwide than Mastercard but that's not the case now so it's really a matter of preference. I believe Mastercard is probably more well accepted locally but as I don't work with the card centres I don't have the statistics to support it.
When I was in retail, Mastercard was more accepted locally by merchants as its commission charges were lower than Visa. Not sure whether it is still the case.

This post has been edited by zenquix: May 28 2008, 10:25 PM
hye
post May 28 2008, 10:25 PM

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QUOTE(zenquix @ May 28 2008, 10:22 PM)
When I was in retail, Mastercard was more accepted locally as its commission charges were lower than Visa. Not sure whether it is still the case.
*
Someone told me it's the same for both VISA and Mastercard these days. Except of course for AMEX and Diners. Anyone here who can confirm this information ?
thtan
post May 28 2008, 10:33 PM

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Does anyone here know how much does one need to spend to get annual fee waiver for RHB Platinum cards?

This post has been edited by thtan: May 28 2008, 10:34 PM
clawhammer
post May 28 2008, 10:39 PM

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QUOTE(thtan @ May 28 2008, 10:33 PM)
Does anyone here know how much does one need to spend to get annual fee waiver for RHB Platinum cards?
*
Why not you just call the customer service and ask? biggrin.gif After that share with us
nicole_nic81
post May 28 2008, 10:45 PM

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i notice that HSBC cc is ppl's fav card here tongue.gif am i wrong?? i've like 200k+ points and i still haven't redeem it yet =.=
b00n
post May 28 2008, 11:06 PM

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Yes, mastercard still charge lower merchant fee than visa.
Amex is the highest in the market.
zenquix
post May 28 2008, 11:16 PM

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I am contemplating cancelling my HSBC card as I was promised a platinum card when I applied. Got a gold card instead.
nicole_nic81
post May 28 2008, 11:24 PM

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which u do want? a low credit limit on the platinum card or a high credit limit on a gold card?? brows.gif

QUOTE(zenquix @ May 28 2008, 11:16 PM)
I am contemplating cancelling my HSBC card as I was promised a platinum card when I applied. Got a gold card instead.
*
GuyzNexDoor
post May 28 2008, 11:34 PM

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QUOTE(zenquix @ May 28 2008, 11:16 PM)
I am contemplating cancelling my HSBC card as I was promised a platinum card when I applied. Got a gold card instead.
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I prefer to have classic with high credit limit rather than platinum/gold with same or lower credit limit than classic. Furthermore, the annual fee is low. That's the reason i never apply for Citibank gold or platinum card coz my credit limit for classic card is RM14k which is not a combine credit limit. I think it is quite high for classic card but unfortunately, now always get gold card. sweat.gif doh.gif
zenquix
post May 28 2008, 11:34 PM

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I make enough to apply a plat card with other banks. Just got taken in by the HSBC agent's pitch of "if you got a gold, now can get a plat". I was thinking hey why not, since HSBC's criteria is one of the highest in the market. Now punishing the agent asking him to appeal or I cancel lol.

Looking to get plat just to have access to the additional benefits when required. I already have high limits on my golds.
GuyzNexDoor
post May 28 2008, 11:42 PM

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QUOTE(zenquix @ May 28 2008, 11:34 PM)
I make enough to apply a plat card with other banks. Just got taken in by the HSBC agent's pitch of "if you got a gold, now can get a plat". I was thinking hey why not, since HSBC's criteria is one of the highest in the market. Now  punishing the agent asking him to appeal or I cancel lol.

Looking to get plat just to have access to the additional benefits when required. I already have high limits on my golds.
*
yea, the advantage of platinum besides high credit limit is the benefit u get esp if u always travel around. U r like KING! thats one i can't deny.. thumbup.gif
nicole_nic81
post May 28 2008, 11:56 PM

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er.. how come i don't feel that way?? hmm.gif anyways, the BEST benefit which i love is the VIP parking at 1U tongue.gif

QUOTE(GuyzNexDoor @ May 28 2008, 11:42 PM)
yea, the advantage of platinum besides high credit limit is the benefit u get esp if u always travel around. U r like KING! thats one i can't deny.. thumbup.gif
*
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