good lo... since u got what u want, still complain?

You have got to be kidding me right ? HSBC is like one of the most efficient banks in Malaysia, along with Public Bank.

Seriously, my friend and I do not agree that HSBC is really efficient as everybody portrays.

They have only one classical credit card and they manage it like a total mess.

Some packages are tied with no annual fee for first 3 years but still got charged for it and couldn't get refund.

Seriously, some of my friends already cancelled them.

This post has been edited by David83: Nov 25 2008, 10:41 PM

for people like me n you, sure will thinks HSBC is just another crap card, not much benefits but as you getting to higher income brackets, you will thinks HSBC the opposite as u thinks now.

perhaps, HSBC is not targeting fresh grad and young market but towards more mature and security wanted market.

I'm not talking the benefits or privileges. No doubt that HSBC customer service is great; much better than most of the local banks. I also have to agree that the benefits or privileges that HSBC offers are not meant for an average joe or jane.

I'm talking about its efficiency.

example of bad efficiency???

I dunno if someone has discussed about this before but recently only i know Citibank Shell card petrol rebate is only deductible if you have outstanding from previous month. But i noticed tha they will accumulate your rebate as well. Is it like that for all Citibank card holders or izzit me only?

All the while i thought the petrol rebate will be given every month regardless of whether you have outstanding or not(because i have had outstanding for long time until i cleared it recently so i din notice)

My question is, is Maybank and CIMB petronas card also the same? i mean for their petrol rebate?

Also, for citibank card, do they have like point collection to redeem products?

At that time, I want it as the points and gifts are what I want. Now, after I got the CC, never swipe it at all. Still in mint condition, no scratch

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Added on November 26, 2008, 12:32 amohya, since david83 mention it, the tele-marketer offer is 5 yrs free with no condition. No need swipe minimum per month./year

This post has been edited by cute_boboi: Nov 26 2008, 12:32 AM

Then one fine day, a HSBC tele-marketer is short of target sales so you got lucky?

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Added on November 26, 2008, 6:55 amWhat's the % rebate for Citibank Shell now?

AFAIK,
RHB only for 1st weekend of the month: 5%
DA 2%


This post has been edited by Optiplex330: Nov 26 2008, 06:55 AM

No, I did not hit on her

What a waste ...... or maybe you not telling???

Finally after a record time of 2 months, I have finally terminated all my Maybank card .... what a relief

which bank's card currently got good free gift upon successful application?

you should've read the conditions properly. Last time they do the promotion/advertisement of rebate up to X%. I wondered what the hell was "up to X%" about and found out that you need to have a few THOUSAND bucks outstanding to get that damn rebate. Its really stupid considering you're paying a lot more on the card's interest I guess this is what they call marketing gimmic.

I use Shell petrol but don't use that Citylame card. Using RHB travelmoney as they have good promotion on petrol rebates (at the moment its 5% on the first weekend of the month, and 2% on other days). Last time when the promotion period for the petrol rebate ended, they renewed the promotion period. They'll keep renewing it, so dun worry about the promotion time limit. And the rebate is not limited to just one petrol station company...Petronas, Shell, BHP, Caltex...any station you go to, got rebate.

If I'm not mistaken, other cards also offer similar petrol rebate promotions. Except Maybank...they only give points. As far as I know these cards have petrol rebates - OUB card (BHP only), Direct Access, CIMB (Petronas only), Citylame (Shell), RHB (All). Mostly only give 2% rebate though...so you might want to consider how much you're saving by getting the card and compare it to how much the card's annual fee or other fees cost. As the petrol prices are reducing, 2% is not much at all.

This post has been edited by Aeon_Clock: Nov 26 2008, 11:34 AM

I think it should be rephrase to:
which bank's card currently got good free gift upon unsuccessful application?

Anyway, if you are looking for gifts, just apply at roadshows where they'll give free gifts. I remember RHB offer the Renault F1 toy car and also a set of "plastic" crystal chess set. Quite nice actually.

Then hope they will reject your application

I applied for Public Bank Visa Gold...i submit my payslips & epf statement...


my annual income (basic only) is rm27600....

but the bank rejected it with no reason.... although approval subject to their sole discretion, but put in the advertisement requirement so low with minimum documents.... if like this dont bother to promote your product la...

I felt so unsafe giving my details to those people by the road side. I have nightmares thinking what they could have done with it.

It is most likely due to other reasons like CCRIS, CTOS, call home/office to verify, etc.

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Added on November 26, 2008, 12:57 pmNo doubt, but if you know how things work, e.g. online banking, ATM, etc. You may not use it ever again Even the document workflow process over the counters.

Sometimes, it is better not to know it.


This post has been edited by cute_boboi: Nov 26 2008, 12:57 PM

OK. I went out and claim I am from ** CC company. I get your photostatted copies of your IC, your other Credit Card, your mother's maiden name and other details etc. The amount of damage I could do will be immense.

On the other hand, if you hand those documents to the staff inside the bank, the chances of mischief will be much less because at the very least, you know the staff is genuine. .

what are CCRIS & CTOS ??

I've updated the first page with this links:
Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

You can visit all to get what their functions are and how banks utilised them to check on one's worthiness.