I've seen how they use CCRIS before. Its really detailed...up to the past 24 months of your life.

It's only 12 months. And to be exact; it's only like 10-11 months of payment string.

Hi, guy want to know which bank give the best rate for Balance Transfer amount over RM5000 ?

The best I get is PB Balance Transfer which give me 10% one time fee for 36 monthly payment. Which is about 3.6% P.A.

Its true or there is other choice/bank ?

Anyone know where can I escalated my complain regarding my MBB card application ?

Its totally plain useless speaking to the operator each time I call them.

I have requested super urgent request, and I waited 2 weeks and my application not even receive After check finally they receive it. Guess what, they ask me to courier my application form again.

Fine then, after few days they receive it and request for my full office add.

I have updated to the person on last wednesday, but until now still not a single damn update on it.

Each time i call and the operator telling me the same thing again n again. I think till now I have update them my office address for at least 7 times !!!!!!!!!!! imagine tat

anyone have idea or any email or contact to really speak to the person in charge ?

Norns,



Are you really desperate for MBB cards ? Why not try apply other banks ?

FYI, I'm MBB CC holder as well and I do agree generally the people and CS are a pain in the neck to deal with. I rather deal with machines (ATM, CDM, Online Banking, etc.) than humans in MBB. Why I use MBB is because it has the largest ATM network, the Amex 2x TP and current Petronas 5x are tempting.

If you really serious, just go direct to Menara Maybank CC CS counter. It is jam, waste time but I always get the things done there and it is still slow (expectation).

Its 12 months...not 24.

Hmm i prefer a better convenient way lol, such as email or speak to the person who can make decision unlike the CC

Not to say im real desperate for mbb cards, but i've only apply this bank since i got my payslip last month. I've waited so long and I got different update each time i call their CC this really make me frust

i can apply another bank now, but i suppose it'll take another few weeks

hope to hear advice how to get in touch with mbb card centre person in charge

I'm not sure how interest are calculated for balance transfer and personal loan. My understanding is for balance transfer the interest will be calculated by X % (interest rate) times each of the month outstanding balance while for personal X % times the total loan. so that's means for personal loan the interest is fixed every month. can someone confirm this? I ask this question to evaluate which is more cheaper to settle outstanding balance.

maybe u can request to talk to their team leader, these CS every shift there will be a team leader as their supervisor.

citibank airasia rejected my application although i fulfill their requirements. and no reasons are given. how am i goin to improve myself without any reason?

Norns,

If you are a degree grad, go and apply CIMB Direct Access. They have the fastest turnaround time for card application and approval, although may not have the best CS as some claimed here. I myself upgraded my DA card recently, and I received the new cards in <1 week (5 working days) after submit form/proof.

For comparison, my MBB Petronas CC took me 2 months, and that is after I call up CS to check and chase after 7 weeks. In my case, it might be easier to chase as I'm an existing MBB a/c and CC client. I have good payment track record and history.

If you still want to continue with MBB CC application, each time you call up, ask for the CS name and write it down together with the date and time. Then submit official complain to MBB CC center (not banking) with these proof and ask them to expedite.

---

Added on November 28, 2008, 2:45 pmThe world is unfair. Just move on with life or apply other banks CC.


This post has been edited by cute_boboi: Nov 28 2008, 02:45 PM

boboi, i juz love de way u commented.. Yup, its unfair.. I was one of de citibank casualties.. On de same day i got rejected i applied for maybank.. n luckily 3 weeks later got my card.. Now they even upgrade de CL w'out me knowing..

fikrie,

I'm a Citibank casualty also. My first CC application was a Citibank and MBB. Citibank rejected me. MBB approved me. After 12 months, Citibank starts to get aggressive and send free CC to me without application many times. I cancel/reject back all (revenge *evil* ) including the latest Shell Card. Out of the 5-10x free cards after so many years, I only keep 1 Citibank CC offered for backup purpose. The other rejected cards, I keep as souvenir big stack. Maybe one day can use as coffee table design and put a piece of tempered-glass on top

My latest casualty this year is HSBC. My monthly salary is banked into HSBC. I try to apply early this year and rejected. Several months back, they call and give me a card

Is life fair to me ? no. So I moved on.

Lucky Citibank they didnt do same thing to me juz like wat they did 2u.. O'wise i'd had my revenge then (but i'll get more tempted i guess!!) I always wanted to have my own card collection.. But my wallet has no enough room for extra cards.. I guess enough is enough..

even life isnt that fair, but being grateful always a good thing to do.. Life must go on..

erh.. well, it really depends on luck.. perhaps.
I tried to apply 4 cards before, which were citi, hsbc, mbb and rhb. All also approved.

citi- approved within 3 days and got the card in the next week.
hsbc - got the card within 3 weeks.
mbb and rhb slightly longer - around 1 month

oh well, i just cut rhb cc today

i juz get my hongleong CC approved in 3-4days after i submitted my form .

they phone to my office to confirmed the address so that can send the approval letter to me ...

damn...economy nowadays is very bad .. i guess u can simply get any creditcard now

This post has been edited by steventan85: Nov 28 2008, 07:06 PM

I got the thing that I redeemed from Maybank TP.

Surprisingly the turn around time is pretty fast; roughly in 1.5 weeks after faxing the redemption form.

fax? so troublesome!

HSBC is online redemption! haha

btw, Citibank upgraded my CL almost 1 times of my CL. now i got double of my CL than previous.

thinking of going to cancel it.

But last time when I did an online redemption with HSBC, it took ages. I have to call CS to check my status and guess what, they said the online redemption that I did somehow didn't go through! WTH!

*Up this again because no reply.

Hi, guy want to know which bank give the best rate for Balance Transfer amount over RM5000 ?

The best I get is PB Balance Transfer which give me 10% one time fee for 36 monthly payment. Which is about 3.6% P.A.

Its true or there is other choice/bank ?