interested with hsbc and mbb is there any agent here?


already permanent staff. The reason i want a cc cause after this easy to
apply loan

which bank do u recommended?

im already done that. yet still cant go through...

really dissapointed with DA...

Hi all,

If I paid extra to bank, will they refund money to me when I cancel my CC?

Sure , they will refund the money as you cancel the card, a cheque will be issued to you.

You mean when I cancel the card? Or 1-2 months later after cancellation?

why not use it up paying for petrol. I read from here before got 1 bank delay or dont want to pay back excess $ paid to them. Maybe not all bank the same. Best is still to call the bank.


curious, what loan you want to apply that'll be easier to get with cc? mind to elaborate?

still waiting for mbb call center to call me and offer card, lazy to prepare documents to apply.

just found out last week that my contact details in my profile is wrong, lol. hope they realise i updated it and look me up

do u mean ur CC information? or ur saving account?

they will refund AFTER you've make the cancellation, which is after the bank confirmed your cancellation, they will issue back a cheque the amount that they owe you. Estimated around 1-2 months. That's what i encountered before for Hsbc and Citibank.

wah... 1-2 months...

when we owe them money, charge us interest for outstanding...

when they owe us, takes so long.

ya lor. they ought to give us interest as well ma..

out of topic abit, just wanna know tat will cc payment history serves as my credit history? means I can use cc to build up my credit score? thanks in advance

when u are talking about credit score - it's only related to that particular bank's internal credit score. Then yes, it will help if your repayment history is consistent and good.

there is no universal credit scoring that is used in M'sia currently. CCRIS is not a credit scoring system.

guys, just received my DA..do i need to apply for DA virtual mastercard in order to use my DA for internet transactions??

But sometimes its hard to spend the exact amount of money you want. Furthermore minimum amount accepted by cash deposit machine is RM5.

Thanks for feedback.

nvm..just called the CS, they tell me to register the secure e-pay from the DA site

No, not necessary. Don't even think you can apply for it anymore. Just register for secure epay service and you can use the card online.

i tot the min is rm10?

no,u dont have to do anything,just use it online and the system will guide u thru end of transaction

you right.

you right.

you have out-dated information. the updated info as as the above quote.