You guys are luckier coz I've never received any SMS about this. I think yesterday was the first time I heard about it.

It is banks with good CS for me which will get my support. (All the time!) Of course you can go for the first approach but you limit your ability to buy items.

The above is just one of the examples that you need to be well equip with the cc product information before you apply for the card. Don't just take the agent's recommendations straight on. Few are honest (I personally know 1 HSBC guy who's honest about the product) as they are out to get their commission when they are able to sign you up.

e.g Never fall for the apply for the 2 card trick, they actually want to get commission from 2 cards! Heard this before "Sir ... I think you qualify for 2 cards from our bank"

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Added on January 12, 2009, 8:55 amYup ... confirm no point collections.

This post has been edited by hye: Jan 12 2009, 08:55 AM

Might be possible. I have encountered situation (not sure whether it is a credit card authorization to debit or online form) where all the information on the front portion of the card is sufficient. (Read : CVV not required)

I could be wrong ... for better confirmation can ask bro chipolatas

This post has been edited by hye: Jan 12 2009, 04:51 PM

This particular requirement is correct. I spoke to someone in SCB before. (No ... I don't work in SCB, just in case anyone is asking)

RHB Infinity ... incredilously crazy.
For example, if you qualify as the Preferred Customer, you'll auto qualify for a complimentary Gold card. Fund over RM500K, will qualify for Platinum card.
VISA Infinity - I think FD around RM1 mil. (or more) I know that their CL starts @ RM200K.

Problem is, I don't take too well the bank CS quality level. CS number takes forever to call in even though you are a Platinum card holder. Card application takes about 3-4 weeks for platinum and similarly for gold. (At least from my experience) The one good thing I can speak about this card is that they actively monitor your spending pattern and will call you almost immediately they detect the spending but really that's the only good thing about the card.

The fact that not many have this card, we don't have much feedback about the CS quality level for Infinity card.

You can choose to wait for a little while and then terminate your HLB, meanwhile you can stop using your HLB in preparations for an exit. My opinion is no problem even if you terminate now but there's a possibility that HSBC is rather sticky for this as compared to other banks.

Aha ... tinkerbel. You are back ? We were wondering where have you gone to ?

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Added on January 14, 2009, 3:10 pmDavid83, I suspect this call to come from those fishy operators who just wants to scam you out of your CC information. Banks will never call you from a mobile phone, most likely from a fixed line number. I suspect a scam. BTW ... what's the full story anyway ?

This post has been edited by hye: Jan 14 2009, 03:10 PM

- Earlier Answer deleted -

If you were to do as the approach suggested, likely you will not be able to apply cc from any other banks until you clear your existing cc debts. Such an approach does have consequences - so please anyone do not take up this option unless it is the last resort and you are heavily in debt.

This post has been edited by hye: Jan 14 2009, 06:52 PM

Making a complaint is one thing but I doubt so anything is going to happen as to begin with there's no such product from MBB. Unfortunately rockstar teddy would need to sit the problem out. Personally I don't trust CS much unless I am able to
cross check the info on the bank's website.

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Added on January 14, 2009, 11:12 pmNot really back then ... I applied mine through the form which was attached in the statement which I obtained from them. Filled it in and mailed it over. The next few weeks, got the PIN in my mailbox. I know they are not that efficient but what I'm saying, it might not be the only method.

This post has been edited by hye: Jan 14 2009, 11:12 PM

Relax ... doing all these cursing isn't going to help you at this stage. Even if they admit their mistake ... bear in mind, they have no such product that you are wanted in the first place. What do you want them to do ? (Disclaimer : I'm not working for MBB)

BTW ... I'd recommend you going to the bank's website yourself to read up about the bank's cc offering & priviledges. It may be more tedious but you are getting the info direct from the bank. Google may return you a link to another forum which contains outdated info.

More importantly, please please avoid asking which card is the best card ! (And for everyone else who enters this forum and blatantly ask this question and expect an answer) It is difficult to answer without stating a more detailed requirement and there is no such card which card fit all, do all and provide the best gift/bonus in the Malaysia. (or even the world)

Yes .... I am annoyed at anyone who ask this question and does not want to spend some time readin the info. Plain lazy! Mod can we agree (and ask everyone) not to answer such question every again ?

I don't mind such question actually. But definately not those "What's the best card?" That is just plain lazy I think.

I didn't see this fine print. I guess most people won't coz they will get excited on the thought being able to put your own photo on the card.

Correction .... CIMB CS is 24 hours !

Anyone here who has successfully cancelled their UOB without being charged the RM25 cancellation fee? (and still keep the card of course) I vaguely remembered to call up CS and said the letter never arrived and proceed with cancellation. Just got this card but I don't think I want this card anymore.

A refresher would be great. (and thanks in advanced)

This post has been edited by hye: Jan 18 2009, 08:40 AM

I think my card will arrive via courier some time next week. I got spoilt by my existing cards (I'm using 1 debit and credit card each) which gives me rebates for my general spending. (Covers like 80% of my monthly spending) Let's see whether I could get away with the card cancellation uncharged.

UOB cards does not give me equivalent rebates (not even the UOB One Platinum card) except the so called Platinum priviledges which I do not enjoy on a regular basis unless I spend like a rich man.

My next target is Alliance's bank card which provides rebates up to 2%. Plus can earn points. Anyone here is their current card holder ? Would love to hear some feedback.

Thank you RockIron. Will be looking at this card soon. I think can seriously consider it lah.

Yes ... UOB would not make an automatic reallocation. You need to be proactive (you should have done that in the first place) and call them up to make the correction. For all that matters, it applies generally to all cc providers. We the consumers should be proactive and check out any irregularities. If you made a mistake - apologies and move on, if the bank made the mistake - ask for a correction to be made and thank yourself for making a decision that will save you headaches later.

If anyone here remember the period before the chip-on-card cc were introduced, many petrol transactions frauds occurred and it made many (including myself) to be careful about what appears in the statement.

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Added on January 20, 2009, 6:51 pmCorrection ... moving the CR from one card to another can be made. (in UOB, not sure other banks) No issues about the combined limit. If you overpay one card, make a phone call to UOB CS and ask them to reallocate the funds. I have done so in the past, I'm very sure that it can be done.

This post has been edited by hye: Jan 20 2009, 06:55 PM

RBS Malaysia does not offer cc. (At least that is what I'm aware of) Do you know something that we don't know deitel73?

Hang on! Just to give you the right information ... MBB does not have this facility. (A few threads back, a forummer got into trouble for this wrong information) This is only available via CIMB/DA (Mastercard only) iPay facility.