I got rejected by HSBC last year also
My company is banking salary there, they know how much I'm getting a month
Maybe they don't like I write a cheque every month and transfer 99% to another bank to reduce house loan.

Anyway, come to think of it... not a loss as I won't be using it much either.

Depends on the developer. I managed to swipe 5k or 10k (forgot) without additional charges couple of years ago. They only allow a fixed max amount, e.g. 10k. Not 10% of the purchase price.

2x points FOREVER is not just for Amex Charge Card, but also applies to Amex Credit Card, which is monopolised by MBB at the moment.

Both Amex Charge Card and Credit Card gives 2x points at ALL petrol stations.

siutimtim,

After following this thread for some time, I think you can be a good credit card sales person. You seems very eager with the initiative to know about all the products and services, which is a good thing. You can explain and propose suitable cards to people, rather than those "general" CC sales person who know nuts if you ask them further.

Yes, you can do own CCRIS check at any BNM branches around Malaysia. Remember bring original MyKad. It's free.

If you still holding MyKid... no need check lah.

It's a strategy. Gold card holder are asking for free waiver. Too many already, you throw a stone into a crowd, most likely you'll hit a gold card holder (or maybe two). No waiver means cancel card.

The way to go is to promote platinum and charge for the premium image for those who not actually qualified for 120k-150k requirement, but due to their spending pattern and payment, are allowed to be platinum

With the proper receipt/bank in slip, you can lodge a claim/report with BNM. I did once with StanChart, but it was due to home loan interest error by the bank system itself.

All banking and insurance must comply with BNM rules & regulation. e.g.

Just remembered my friend also has problem with HSBC. Applied CC and request to send to office (as no one at home), after two reminders, they still send to home and got diverted to PosLaju brickfields (at that time). In the end have to drive all the way there to collect it.

I did twice with MBB. Both times also I hit the credit limit usage continuously every month due to company expenses. No changes in my salary, and MBB did not request for any documentations.

Permanent, both times increase within <1 yr. 1st increase 7k, 2nd increase 5k. I've been using the card for 1-2 years at that time.

I tried request temporary increase from Citibank CC 1 week before my trip. Come back M'sia, still no news on approval/reject on the temporary increase.

Maybe because both cards are classic class hence lower customer service level/priority/whatever.

Now I remember there was one time I was in SG, checking out hotel ~rm3k bill, but short of rm300 credit limit. I call up MBB, explain my issue, put on hold for 5-10 min, and immediate increase. Check out and rush to airport Go back KLIA still can swipe on alcohol, fags and chocs Don't know how much temporary increase they gave me.

That's my same experience with Citibank. My MBB/Citibank spending & payment pattern is the same. But nowadays, I use MBB cards 95% of the time.

Couple of months back, Citibank send the Shell card to me. I didn't reply/activate. Then they call me up, I say no thanks cause I use Esso/Mobil.

yeah, I was similiar case like you. Already near credit limit but before statement due date. Need to travel and already estimate need higher credit to clear air fare, hotel, meals, etc. In the end, stop using Citibank and has been loyal to MBB since...

I applied S&C earlier this yr, just for the sake of the free gift and try whether I can get it or not. Rejected as well I've an M1 a/c with them, which is in 0.00 balance now, as I dump in all extra money (for emergency) there.

So, for those of you who gets rejected, don't despair. All my CC have 5-figure credit limit, but still get rejected by HSBC and StanChart.

Yeah, I'm using MBB Amex credit card also, the points I collected is going to overtake my MBB Visa.

That's another thing I don't like. RM0.15 for a cheque. RM0.30 for a stamp. Petrol, time, parking, etc to mail/detour to Citibank/StanChart/HSBC/etc. those banks with lesser branches in KL.

Yes, it is just a matter of cents, but seems like part of my principle. I rather drop RM10 on the road than spending those cents to make payment, unless they have very attractive offer/support to me.

Agree. Previously there is the prestige and brand name to it. Not anymore nowadays, it is so competitive that after sales/customer service is more important, especially those raised by some here.

TP expiry not sure. My MBB Amex is nearing its 2 yrs free, and my other MBB cards are >5 yrs old, the points are still there, but I cannot recall the FIFO points date, as I've redeemed some stuff 2 yrs ago. This June will be going to MBB TP Fair at MV again.

IINM, if you snail-mail your cheque from KK for Citibank, it is considered outstation cheque clearance, which has additional RM0.50 to clear the cheque. I might be wrong or outdated with this info.

I think I'm not qualified for HSBC Premier MAstercard I applied normal gold card also get rejected. Not that interested on Amex Charge Card, as I'm using Amex Credit Card, which has similiar specs. Even Amex Charge card has a virtual credit limit based on spending history.

What a joke... If you feel humiliated, the Shell card they offer to me is only 5k credit limit, when in fact my Citibank classic is 15k. How should I feel ? Anyway, the reason I reject Shell card is not due to this, but due to I'm using Esso/Mobil.

Great info. 99% most of the charges I swipe overseas are under company expenses, so I don't care much about the extra %, but I do note previously SGD-MYR using Amex/Visa is around 2.36 while the baiyee exchange rate is 2.29-2.31 only.

They have not called you yet ? Actually I received a call from them offering me Shell card. I say no thanks but yet, I still get it in my snail-mail 7-10 days later. So I put it aside, after 1-2 weeks, they call again asking "can they activate the card" ?

Again, I say no thanks. Then I notice my CC statement has this additional card details. Anyway, I'm going to leave it as it is, and 1-2 yrs later, if they start charging me annual fees, I'm going straight to BNM again.

Anyway, please record down your conversation with them and share with us

yes, RM0.54 is a matter of principle. Side-track: StanChart charge me rm2k+ for M1 home loan interest that they can't explain few yrs ago. In the end, it was a big mess

Amex CREDIT or CHARGE card ? Anyway, I think both are alright, especially if you make full payment. Somemore it is 2x points FOREVER, including pumping any fuels (Shell, Petronas, Caltex, Esso, Mobil, etc.) except your yatch diesel fuel

The points add up quite fast. However, pumping petrol with 2% rebate sounds better...

Added: BTW, I've been using MBB Amex Credit card for 2 yrs. No problem with it, local or overseas. Never encounter a problem at all.


This post has been edited by cute_boboi: May 23 2008, 12:04 AM

No. If you spend RM8k on MBB Visa to get 8k TP for a RM50 voucher, you only need to spend RM4k on MBB Amex credit card to get 8k TP for the same RM50 voucher.

Depends on the card. So far, I have not been able to go above the credit limit, even by RM10.
e.g. credit limit 10k
used up 9.5k
want to swipe 510 = cannot go through

Are you sure no expiry for MBB TP ? Previously it was 2 yrs, but I'm not sure on the latest T&C for TP expiry now. I tried find in MBB online, but cannot find details.

I think most banks do not allow their staff to go online. Everything is blocked/controlled.
Maybe they can do it from home.

Esso & Mobil = yes. Press 2nd button "preset" key in amount in RM, press enter, then swipe CC, wait for approval, then swipe Smiles card, then pump.

Shell = no. I have asked the counter and attendant. All say cannot if using CC you have to have steady hands and fingers when it reaches the limit you want.

Others not sure.

SnoWFisH,
Any financial related stuff, if you don't use it, better to clear it up properly. Like in your case, whether a dormnat CC or bank a/c, be clear cut about it. 5,10,20 yrs later, no need get chased by bank over this sum, and ppl will start arguing saying I didn't use it, forgot, etc. why must I pay, etc. ?

Same goes to other transactions like water, electricity, quit rent, assessment, and the most important car ownership transfer, etc.
Feigning ignorance is not bliss all the time.

Anyway, a dormant bank a/c after 7 years, you will get a letter from the bank, within 1 month it will transfer the unclaimed monies to BNM.

That's the right move. Spend some time, effort and money to goto counter to clear it up. Yes, you can cancel on the spot, make sure they FULLY cut the chip in half AND multiple part of the magnetic strip of the card (if you know how chip and magnetic strip works and how data is stored). Or give you some acknowledgement that they cancel it. Otherwise, the staff might just take the card and go out pump petrol... even if they cut ONLY the magnetic strip it is still usable.

Be alert and write down their name, your queue number, date and time, branch location, etc. Just in case, we are in M'sia, any stupid thing is possible to happen. I believe you can do it at any branch which has multiple-type counter service for CC.

Sorry, but I'm a bit kiasu on this kind of things.

thtan,
I'm in your same position. I just don't want to spend the time, energy and stress level to request/negotiate/beg (whichever you want to call it) for the annual fee waiver. I'm moving all my cards and transactions to true free-for-life cards, except Amex. It's just a final time change to move my direct debit h/p, insurance, donations, etc.

My MBB Amex Gold free-AF-2-yrs is up in end-Aug 2008. I'll post here if statement has any AF charges or if they waive automatically.


My MBB Amex is valid from yr 06 till yr 10 (4 yrs validity), following my earlier MBB Visa card.

The only special things I see for MBB Petronas Visa is:
1) 5x TP (ending July?)
2) FREE-FOR-LIFE with no condition (no need call up for waiver)

yes, but not other non-local banks like Citi, HSBC, StanChart.

Sad to say, MBB Amex Credit Card can't pay any bills online AFAIK. However, the Amex Charge Card can pay all utility bills, through auto-debit. But Charge Card need RM25 to activate the MR points, and another RM25 to activate the Turbo MR points.

FYI, I also applied additional MBB Petronas Visa in Apr 20th something. I went to MBB KL Main (menara maybank) to collect cheque book. Then pass by CC counter and fill up the form and submit. I ask them need any docs, IC, etc, they say no since I'm existing MBB.

Then again... as usual, no response for 1 mth, but my friend who applied in Early Apr got it 2 weeks ago. Earlier this week, I wrote to MBB (at M2u website) and got a response within 1 day (StanChart and Citi get back to me within 6 hrs using same website feedback) that they will look into it. The next day my new card is listed already on M2u. Now waiting delivery of the new CC

If my mind serves me right, TM Point only accepts Visa/Master for their own bills only at the counter. TNB cannot pay by card anywhere, cash only. Astro not sure, as I still have not installed yet

I went to Clickers at SS6 and TMPoint at D'sara Jaya, that was 2-3 yrs ago.

Citibank CC can use to pay TNB online. Using M2u, TNB is cash only.
FYI, MBB Visa CC gives 2x TP for TM bills.

I got a call yesterday RHB offer the 5% fuel rebate CC. I say no thanks, too many cards now, some more I don't have a/c with RHB, will be troublesome to settle payment.