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 Credit Card Thread V4, Plastic Money @ World Access

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ICDeadPeople
post Sep 15 2008, 12:11 PM

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QUOTE(nVidiaFX @ Sep 10 2008, 08:03 PM)
Hello guys so far i felt that the only two banks that provides okay service is maybank i dont know is it just me or what the benefits are okay not bad but their customer service is horrendous there was once on a sunday i try calling their customer hot line even the vip department there was no answer. now i am working for HSBC service wise, approval rate and also after sales service seems to be pretty good just thatt sometimes they salesperson are too pushy i got to admit : )
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I have a bad experience with one of the HSBC sales person.
He came to our office (well, after calling me) to promote HSBC gold card. As I have a couple of card already, I said no at first, untill he told me you can buy a MAS ticket with up to something like 30% discount, anytime, no time limit, local or abroad. It sounds to good to be true, but i thought he should know more than me, than why not. At the same time my colleague asked for a platinum card with the same benefit to this guy. And so we wait.
A week passed, and i received my gold card, together with some goodies. Than I decided to call the HSBC centre to ask about the 30% discount on airline ticket and what is the term and condition. To my surprise, they said they dont have that kind of promotion, and its probably the salesperson was misinform. WTF? So I immediately canceled the card. For my colleague, instead getting a Platinum, she get a gold card instead. Shes so pissed off, she emailed her friend which is one of the HSBC Malaysia board of director to complain. A few days later, she got a letter from the HSBC Malaysia CEO, asking for forgiveness and try to convinced her to reapply the card again. But damage has been done, she refused and applied from other bank instead. As for me, I will not apply any sorts of facility (card, loan, whatever) from HSBC again..
I wonder what happen to that guy.....
ICDeadPeople
post Oct 13 2008, 08:44 AM

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Hi guys, want to ask for opinion.
Im using citibank gold card now (+-2 years), and last saturday i received a citibank letter saying they upgrading my card to Platinum. I kind of hesitate because the annual fee is quite alot (RM600). Want to know whether if platinum card is worth it and if anyone received this kind of offer before. And is there a way to dodge those annual payment?
ICDeadPeople
post Oct 13 2008, 08:54 AM

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QUOTE(David83 @ Oct 13 2008, 08:47 AM)
Platinum card has seperate set of privileges.

If can waive the annual fee, just take it. tongue.gif
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That is why i wanted to ask you guys, if there is away to waived those fees?
The card looks nice though.
ICDeadPeople
post Oct 13 2008, 12:41 PM

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QUOTE(tgeoklin @ Oct 13 2008, 11:20 AM)
Actually there's no magic to it. If you are a good customer as in high spender, they will always waive. Fyi I have never paid a single cent annual fees ever in my entire tenure of using credit card, which is considerable  tongue.gif
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In that case I shouldnt take it than. My citi can is actually a backup card, which i rarely use.
ICDeadPeople
post Oct 14 2008, 08:39 AM

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QUOTE(tinkerbel @ Oct 13 2008, 11:22 PM)
@ICDeadPeople,
If u want the upgrade take it - if I ain't mistaken the upgrade should come with 3 years maintenance of current fee [that would be based on ur existing Gold card] but most of us would call up the CS and ask for a waiver. 

If the waiver doesn't come through then just cancel the card lor smile.gif  I'm pretty fed up with Citibank [damn, I keep talking about it] but I haven't had time to shift my spending to another CC *siGh*  Everytime the merchant doesn't accept my Amex, I go back to Citibank - looks like I need to clear all my points once and for all then only i'll start using HSBC or something smile.gif
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Well, it does said for the first year, the annual fee will still be similar with the gold card (i cant even remember how much is that).
I think I will skip it. Im not really looking for an upgrade and my current credit limit is still manageable. Besides my main spending is on my
maybank cc.
Off topic: Can somebody tell me or point me why most of you guys boycotting maybank?
ICDeadPeople
post Oct 14 2008, 05:39 PM

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QUOTE(tinkerbel @ Oct 14 2008, 09:49 AM)
@ICDeadPeople,
Are people boycotting MBB?! Now that's not something I'm aware of but then again, I've been on the move so much I haven't been able to keep up with U guys here.  On the contrary, I'm boycotting Citibank!

Take the Platinum card if the benefits are something that U feel U'll make use; access to airport lounge, etc.  If U don't need it then forget it.  Citibank will always send u card upgrades - now that ur oredi a Gold CC cardholder, when they do send u another upgrade, it will always be for the Platinum [it makes no sense to upgrade a Gold cardholder to a Classic Silver, right?!] wink.gif

Out of curiousity, did they give u a big margin of CL increase?  [I think I'm still bitter over the fact that Citibank gave me an upgraded card but reduced my CL!]
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Well, I saw afew post that said they are boycotting maybank. Similar like you, I have no clue at all.
They do give increase in CL, around 6k extra.
ICDeadPeople
post Nov 5 2008, 01:45 PM

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QUOTE(amerz @ Nov 5 2008, 11:59 AM)
Hoh! just got a call from some cc scam, I think.

A Girl speaking Malay fluently using private number, mayb coz I'm a malay.

1st, she ask me..do I use my cc recently and do I hv any problem with my card.

Then she offering Platinum service card (can't remember exactly) from visa/mastercard company. Short brief about the card, the card is not a credit card just a card where u can get a lot of discount when shopping, travel and etc. And she'll post the card and will arrive at my house within 7-10 days.

I just listen and said Ok la, I'll check on the card when it arrive coz too lazy to entertain her and the line also not very clear.

Then she ask my Address to verify, okla.. I ask her to told me my address in her record 1st and I'll verify it. She said that the address in the processing department not in their department. WTF? I suspect something fishy here, then I gave her my fake address. Then she continue with the benefit of the card..bla bla..like want to end conversion already. (this moment I fell regret that I told her the fake address)

After that, she told me for security measure, she ask me when will my credit card will expired. HUH! now I'm really sure that this is one of the scam! no regret anymore. I start bashing her, for what purpose she want the details...she hang up.
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i got this kind of call too sometimes a go. Its usual story, some kind of super free-for-life platinum discount card that will save you a fortune. Thing is she ask what my current card number is. Instantly i hung up.
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