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 Credit Card Thread V5, (added FMB website to 1st post)

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Yunice Ho
post Nov 23 2008, 07:02 PM

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All bank cc is free for life for some of the term and condition.Last time i work in ocbc call centre,i know for some bank ,there are not easy to waive the annual fee.Need to meet spending criteria,using time....and if u call up to waive annual fee,u need to write in some more.leceh^^

but for EON bank cc is different,u can get 100% annual fee waiver if u have at least 12 time transaction in one year.The annual fee is auto waive,no need to call call centre.

using credit card actually is using future money,Avoid to pay interest and overdue charge,we better make full payment before due date in every month.
vin_ann
post Nov 23 2008, 08:06 PM

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QUOTE(betatestar1 @ Nov 23 2008, 07:00 PM)
Maybank ah biasa la. their processing is very slow man. If fast 3 weeks, or else you have to wait for months. Slow is another problem. but plus the approving rate so low, you will feel sick of them and never want to apply card from them anymore. if your salary is not above 2.5k then be patient but to wait or you can always choose other bank to apply.

For my experience, CIMB bank is one of the fastest i could tell. I apply on Monday and by next monday they send the card to me.  For Cimb DA, i think their customer service is quite lousy. There were once I tried to call them up, if i am not mistaken about 10 times, but just cant get through and cant get a person to talk to. I have no choice but to write an email to them and then have their personnel to call me back.  So, lets say you want to check your card application status or request anything from them, i think it is better for you to shoot an email to them instead wasting time calling because the line was always busy. good luck for your application.
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my experience with DA customer service is not that bad. just that sometime, the waiting time is quite long...

the DA customer service quality is dropped since the acquisition by CIMB. previously got people mentioned it.
SUSOptiplex330
post Nov 23 2008, 08:26 PM

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QUOTE(Colaboy @ Nov 23 2008, 01:39 PM)
The new AmBank CreditCard with free for life as well is it good?

Pls give some feed back . . .  for those good in this field  thumbup.gif  thumbup.gif  thumbup.gif
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Many years ago had one of them. I have such unpleasant experience that I swore I would never touch them with a ten foot pole.

They may be good now but the bitterness lingers......

Added on November 23, 2008, 8:38 pm
QUOTE(vin_ann @ Nov 23 2008, 08:06 PM)
my experience with DA customer service is not that bad. just that sometime, the waiting time is quite long...

the DA customer service quality is dropped since the acquisition by CIMB. previously got people mentioned it.
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I have DA's Platinum. One of the better service compared to my other cards. Often get a REAL human being talking to me with 20 second unlike others that takes you through numerous selection menu.

For non-standard request. One of the best and the worst is EON which I am hoping to find another easy "free for life" card to replace it with.


This post has been edited by Optiplex330: Nov 23 2008, 08:38 PM
amerz
post Nov 23 2008, 08:55 PM

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1 stupid question,

i want to cancel my rhb cc<--apply for the chick tongue.gif
if i never activate my cc... do i hv to call the call center to cancel it?

rhb cc.
vin_ann
post Nov 23 2008, 11:23 PM

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QUOTE(Optiplex330 @ Nov 23 2008, 08:26 PM)
Many years ago had one of them. I have such unpleasant experience that I swore I would never touch them with a ten foot pole.

They may be good now but the bitterness lingers......

Added on November 23, 2008, 8:38 pm

I have DA's Platinum. One of the better service compared to my other cards. Often get a REAL human being talking to me with 20 second unlike others that takes you through numerous selection menu.

For non-standard request. One of the best and the worst is EON which I am hoping to find another easy "free for life" card to replace it with.
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if im not wrong, Platinium holder can call another hotline, i thinks which is lesser people calling and u get the good services.

unlike us normal CC.... sad.gif
Underhill
post Nov 24 2008, 01:34 AM

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I paid for something, they wrote my creditcard number on the receipt, and keep the carbon copy.

Is this practice normal? I didn't notice it until I go home and check. If this is not normal, how do I protest?
charymsylyn
post Nov 24 2008, 01:57 AM

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QUOTE(Underhill @ Nov 24 2008, 01:34 AM)
I paid for something, they wrote my creditcard number on the receipt, and keep the carbon copy.

Is this practice normal? I didn't notice it until I go home and check. If this is not normal, how do I protest?
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No, this practise is quite normal, and either way, the merchant has your CC number on their copy of the transaction slip. Better to frequently check your statement online than worry about this. tongue.gif
skylancer
post Nov 24 2008, 02:02 AM

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For platinum card,the most quality platinum card now is HSBC Platinum.
And it have most good service and security...me just upgrade it rclxms.gif biggrin.gif
I like HSBC so much~
How u all opinion?
Underhill
post Nov 24 2008, 02:15 AM

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QUOTE(charymsylyn @ Nov 24 2008, 01:57 AM)
No, this practise is quite normal, and either way, the merchant has your CC number on their copy of the transaction slip. Better to frequently check your statement online than worry about this.  tongue.gif
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Owh, okay. Thanks tongue.gif

A bit worry though, since the receipt could be with anyone or anywhere. They don't actually have to write it in the receipt, since i will use as a proof for signing up the program.

This post has been edited by Underhill: Nov 24 2008, 02:16 AM
SUSOptiplex330
post Nov 24 2008, 08:39 AM

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QUOTE(vin_ann @ Nov 23 2008, 11:23 PM)
if im not wrong, Platinium holder can call another hotline, i thinks which is lesser people calling and u get the good services.

unlike us normal CC....  sad.gif
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DA Platinum number 03-62047979. Is that the number you called?
hye
post Nov 24 2008, 09:28 AM

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QUOTE(skylancer @ Nov 24 2008, 02:02 AM)
For platinum card,the most quality platinum card now is HSBC Platinum.
And it have most good service and security...me just upgrade it  rclxms.gif  biggrin.gif
I like HSBC so much~
How u all opinion?
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No doubt about it. When it comes to service quality, you can't beat HSBC. The only downside to HSBC is perhaps their lack of promotions as compared to the likes of Citibank and they are less aggresive in terms of giving you bonus points.

Added on November 24, 2008, 9:38 am
QUOTE(Yunice Ho @ Nov 23 2008, 07:02 PM)
All bank cc is free for life for some of the term and condition.Last time i work in ocbc call centre,i know for some bank ,there are not easy to waive the annual fee.Need to meet spending criteria,using time....and if u call up to waive annual fee,u need to write in some more.leceh^^

but for EON bank cc is different,u can get 100% annual fee waiver if u have at least 12 time transaction in one year.The annual fee is auto waive,no need to call call centre.
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I know you meant well but there are a multitude of dimensions which a potential cc user will consider besides just annual fee waiver alone. Mostly will see whether the bank has a good CS and it is one of my critical criteria as well. I used to have EON cc a short while back but what turns me off was

1. CS is average. (Could be below average for some) Takes a while to pick up the phone.
2. There's this 2% charge when you use your cc overseas. One of the highest among others.

I doubt so it will be difficult for anyone to get an annual fee waiver if they had been a good payee and using their cc frequently. I'm speaking from experience myself.

This post has been edited by hye: Nov 24 2008, 09:38 AM
SUSOptiplex330
post Nov 24 2008, 09:57 AM

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QUOTE(hye @ Nov 24 2008, 09:28 AM)
No doubt about it. When it comes to service quality, you can't beat HSBC. The only downside to HSBC is perhaps their lack of promotions as compared to the likes of Citibank and they are less aggresive in terms of giving you bonus points.

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An acquaintance once told me. Not sure true or not. He said, when traveling overseas, HSBC charges/conversion rate is on the higher side. And they do charge an extra 1% for oversea transaction.

AFAIK, only DA has 0% oversea transaction charge. Most are 1% with EON the highest at 2%.
hye
post Nov 24 2008, 10:45 AM

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QUOTE(Optiplex330 @ Nov 24 2008, 09:57 AM)
An acquaintance once told me. Not sure true or not. He said, when traveling overseas, HSBC charges/conversion rate is on the higher side. And they do charge an extra 1% for oversea transaction.
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If I'm not mistaken, the conversion rates are determined at the VISA/MC International level rather the HSBC's bank level.
fikrie
post Nov 24 2008, 10:55 AM

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QUOTE(Optiplex330 @ Nov 24 2008, 09:57 AM)
An acquaintance once told me. Not sure true or not. He said, when traveling overseas, HSBC charges/conversion rate is on the higher side. And they do charge an extra 1% for oversea transaction.

AFAIK, only DA has 0% oversea transaction charge. Most are 1% with EON the highest at 2%.
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So far I see DA has a good reputation here.. I myself have DA, oso Maybank n BankIslam.. Been attended timely by the DA CS every time got prob or need to ask somtin (even it was 12 a.m!!).. Also, often they call call me when i charged somtin online using de cards.. Annoying, but better keep it dat way..

The only inconvenience i ever experienced was the cimbclicks, so frustrating.. I used all kinda browsers, IE, firefox, netscape, safari, chrome.. Office line, broadband, WIFI hotspots even Cybercafe, u name it.. Yet, I ended up having not-so-smooth experiences when it comes to cimbclicks juz for de sake of paying bills online.. Luckily they get branches everywhere.. Why cant they have good online services like m2u..

I dun hav any other cc beside the one i mentioned earlier.. So, cant comment much on other cards..
SUSOptiplex330
post Nov 24 2008, 11:22 AM

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QUOTE(hye @ Nov 24 2008, 10:45 AM)
If I'm not mistaken, the conversion rates are determined at the VISA/MC International level rather the HSBC's bank level.
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Yes, the conversion rates are supposedly determined by VISA/MC. But the transaction charge are determined by the local bank.

Anyone got any comparison of conversion rate by VISA vs MC?
JamesPond
post Nov 24 2008, 12:05 PM

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QUOTE(Optiplex330 @ Nov 24 2008, 09:57 AM)
An acquaintance once told me. Not sure true or not. He said, when traveling overseas, HSBC charges/conversion rate is on the higher side. And they do charge an extra 1% for oversea transaction.

AFAIK, only DA has 0% oversea transaction charge. Most are 1% with EON the highest at 2%.
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i use my hsbc charge oversea...no charge oso...
never heard got additional charge....
SUSOptiplex330
post Nov 24 2008, 01:12 PM

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QUOTE(JamesPond @ Nov 24 2008, 12:05 PM)
i use my hsbc charge oversea...no charge oso...
never heard got additional charge....
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Those extra bank charges are clearly stated in black and white.

http://www.hsbc.com.my/1/2/personal-bankin...rd-fees-charges

http://www.directaccess.com.my/index.php?c...rd&ac=12&tpt=da
lemon^and^strawberry
post Nov 24 2008, 04:47 PM

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Hi guys, just wondering credit card restructuring is better option or balance transfer? As told restructuring rate is around 0.6% per annum.
Is that true? Please advise. Thanks.
TSb00n
post Nov 24 2008, 05:01 PM

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QUOTE(lemon^and^strawberry @ Nov 24 2008, 04:47 PM)
Hi guys, just wondering credit card restructuring is better option or balance transfer? As told restructuring rate is around 0.6% per annum.
Is that true? Please advise. Thanks.
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What restructuring are you talking about? If it's about the new hype on converting it into installment payable monthly; here was my comment:
QUOTE(b00n @ Nov 19 2008, 09:50 AM)
It is not entirely legal.
I've inputed my comments in this thread:
http://forum.lowyat.net/index.php?showtopic=796677

Can browse through why I say so.
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vin_ann
post Nov 24 2008, 09:54 PM

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QUOTE(Optiplex330 @ Nov 24 2008, 08:39 AM)
DA Platinum number 03-62047979. Is that the number you called?
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DA gold card number i call is 03-62047878.
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