手续费
call what in english?
any1 noe?

Hi,
U better be caution. This same case happen few months ago to someone which I read thru newspaper.
Did u provide ur info such as cc number or any confidential particular to them?
If u did so,I suggest u immediately inform ur cc issuer or bank,then straight away go to log on a police report.
Dun ever provide ur cc number,password or personal particulars to someone who call u and claim that they r ur bank or issuer. If they r really ur bank or issuer,sure they got all ur particulars/info.
Please bear in mind always!!!!!

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Added on January 5, 2009, 1:57 pmSame case happen to me on early of year 2000.
It is my SCB Visa get fraud. Before the syndicate charge my SCB Visa at Bangkok for about 30k puchasing gold,someone did called me and claim that he is from SCB.
This guy are very professional,he can talk sweet and told u a lot of promotion about SCB. Until I did not notice that I already disclosed my CL to him.
After about 1-2 hours,the real SCB call me and comfirm with me did I charge my Visa cc at Bangkok for 3xxxxk amount.
Although after investigation,SCB dispute the fraud charging amount from my Visa cc account(took about 2 months), but the whole process I will never forget. It's a nightmare!!!!!


This post has been edited by RockIron: Jan 5 2009, 02:00 PM

I never provide them my card info, but they know my full name and IC number.. Do I need to log the police report?

Thanks four support of this thread. At least you took the pains to read all the info unlike some ppl who come in here and ask to recommend best credit card. It is very annoying

I think what happened is that the agent were trying to get you to apply for more than 1 card and more commission/sales target out of you. Citibank agents are well known for this, I kenna once and I screw up that guy big time once I report it to the CitiBank for fraudelent application.

Insufficient docs or not, it is not clear coz you did not mention specifically what you submitted. Mandatory ones are IC, income proof (if you don't have a card) or existing card. (More than 12 months but better if more than 18 months) If everything is OK then should be alright.

Well ... you are an existing cc user so you know best how to structure your cc spendings. In case you are unaware got SCB debit card which provides 7% rebates for all fuels till June 2009. Look @ the first page which shows cards that does not have additional fees when used overseas. Probably after rethinking, you'll realise that you have one too many cards but it is up to you to decide how you want to use your cc.

Yeah ... I agree too many cards makes your wallet bulky. I carry only 2 cards (2 different banks) most of the time.

I think u better do so, just in case anything happen u still hav a police report to protect u.
Myself very sensitive on such issue(which I will inform my issuers no tele sales or promotional offer thru phone call).
If they want to inform or promote,just mail it to me.
Any of them still call me regarding tele sales or promotional offer,I will hang up the phone.

Call the bank (AMBank, provide them with your IC should be able to confirm whether you have cc with them) first and reconfirm. I assume you don't have an AMBank card and the card was fraudelent applied. If confirm then take action by making a police report.

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Added on January 5, 2009, 2:26 pmI do the same thing as well. I'm not trying to be rude or anything like that but if anyone who call you and claims from the bank / Mastercard or VISA and then asks to verify your cc information is a sure Red Alert. I don't compromise to protect myself against identity theft.

Sorry telemarketeers. You just can't sell anything to me.

This post has been edited by hye: Jan 5 2009, 02:26 PM

processing fee

Just applied HLB plat cards today morning.
The banker service is excellent, I think they had changed their CS this coming few years.
Hope their CS centre services are as well as their frontliner in branches.

This post has been edited by RockIron: Jan 5 2009, 02:55 PM

Err, actually I like Citibank bcz it seems easier to get a gold card.
For example, my fren had a Clear card for slightly more than 1 year, they oreli upgraded her card to Citibank gold card.
Her salary almost same as mine, but shit, I cant even get a classic Clear card

Arg, just found out that my HSBC Amanah MPower Visa credit card has been approved. I told the sales girl I only want platinum but ended up getting the vanilla card.

Already called HSBC to cancel the card even though I haven't receive it. Will reject the POSLAJU if it ever comes.

Updated:
Btw, the whole application took around a month

This post has been edited by alexwsk: Jan 5 2009, 03:06 PM

I applied for platinum as well 3 weeks ago & the status still pending. The HSBC officer told me that if you applied for platinum they never give the vanilla card because the application form is different. Maybe she lying:( . Hopefully I know if my application is approved this week.

Yup, GHz is rite. HSBC hav such practice.
Only classic & gold will use the same form, plat cc form will be different.

RockIron, hye, thanks for your help..

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Added on January 5, 2009, 3:34 pmI applied a Insurance throught phone promotion, I got the Policy on hand d, is from AIG (at first I don know).

The coverage is interesting so I juz wanted to apply and have a try on it, is it safe?

This post has been edited by MTEnthusiast: Jan 5 2009, 03:34 PM

Hi, u r out of thread.
I tot we only discuss about cc here.
Anyway it should be safe if u got the policy with u.
Remember!!!!! CC discussion only.........

Sorry. I thought everything related to cc can be discussed here...

ic, then she filled up the wrong form for me and i didn't really check
basically i just saw the mpower form and then signed, she filled up the rest

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Added on January 5, 2009, 6:48 pmi think for my app, she used the normal form and then put the remarks there

This post has been edited by alexwsk: Jan 5 2009, 06:48 PM

i juz get my HLB visa classic 1month ago and the statement came last week ...

it stated there 18% interest for retail purchase

i tot it is suppose to be 15% interest , and if u never make payment promptly , 17-18% will be charge ?

all new cards will start from 18%

Cardmember payment behaviour for the past 12 months....................................Finance charge for the 13 th month
Pay on time for all 12 months...........................................................................15% p.a.
Pay on time for either 10 or 11 months..............................................................17% p.a.
Pay on time less than 10 months or credit card tenure is less than 13 months........18% p.a.

This post has been edited by alexwsk: Jan 5 2009, 06:59 PM

Hi alex,
Y not u try to call their CS and let them know u actually sign up for the plat cc insted of gold cc?
I do hold their Visa plat and so far their CS are very professional and excellent.
I think they will help u to settle ur problem.

I've already called and told them that. Firstly i called HSBC and the CS told me to cancel the card after 6 months coz it's a new application.

After that I called HSBC Amanah and the CS said will cancel the card immediately and the cancellation department might call me up.

I do owned a HSBC gold cc with cl close to 20k. Nvm, will apply online next time when i feels like it

This post has been edited by alexwsk: Jan 5 2009, 07:07 PM