I apply for this card only because of their nice design & not plan to keep for long. After I apply that I found out that I need to return the card or pay RM25 to cancel the card. What a bad policy, I want to keep the card. 2 weeks after that I received the card by normal mail which they say they normally used. What I do was wait 3 weeks & pretend not received the card & ask for cancellation form because of too long waiting to get the card. Just send the form last week & the card was cancel when I ask the CS today. Haha.

centurion is not available in malaysia yet la...
even yes... USD3500 Annual fee....heheheheh.. thanks but no thanks...

after the Oriental 50% discount on my total meal deal...
UOB doesn't offer anymore interesting deal again...
and I started to hate it already...

well, If they do not have such policy I will be keeping their card at least 2 years because of no annual fee for that period.

actually hor... If u apply for Sadiq Standard Chartered DEBIT card....
and u put 1k in... u will get 7% cash rebates when u pump petrol....   

that's the latest 'lubang' i got...

wont effect...la... dun worry.. but if u dun pay ur card for like 2-3 months continuously.. then the bank will send u a letter to cancel ur card...
they will convert ur CC debt to QCL....

QCL= Quick Cash Loan

of coz got.. imagine those student just graduate and applied 8-10 cards to buy LV, GUCCI, ARMANI...
and their basic is only 1.8k

how to pay wor..

I tell u wat

my friend's office boy is using a Nokia N96... and his salary is only like 800-1.2k leh....

how he did it? thanks to plastic...

i went Carrefour at sri petaling (endah parade) last tuesday 9 December 2008.
i saw Maybank Credit Card booth there, they keep on promoting MBB CC. free gift is a PARKER roller ball stainless steel pen. wow.. quite a nice free gift. since i am interested in MBB petronas card (actually before their promoting, i already decided to apply), so i signed up there. they also promoted AMEX card, i signed up too since free Annual fee 3 years.

When i arrive home, i found out the PARKER stainless steel pen is already yellowish (Ferum stain), and the quality is so bad. And the cap cannot close properly even. WTF.. maybank is giving FAKE ITEM, made in china free gift??
i have their name card, it is AE Direct Sdn. Bhd. is a direct sales agency of Maybank (stated at the name card)

Also, i am actually existing maybank CC user also (just wanted to add a petronas CC only), and i found out that they are misleading people there also..

now maybank is having promotion 10% off Carrefour bill on Tuesday, 5% off normal day. they took this point to promote Maybank CC. they said, we should apply maybank CC and enjoy 10% discount on carrefour bill.
BUT better check carefully the fine words below maybank's promotion : FOR EXISTING MAYBANK CC ONLY!
PROMOTION UNTIL 31 DECEMBER 2008

when i asked them, they said Maybank will continue the promotion after 31 DECEMBER. i dont know how true is this "continue statement" but "FOR EXISTING MAYBANK CC ONLY!" is defintely misleading people there!

i am thinking to file a compaint to maybank.
what you guy think??

It depends if MBB wants to extend the Carrefour 10%/5% rebate promotion.

Supposingly, MBB 5x TP with Petronas ended earlier but they did extend in later stage till 31 December 2008.

I suggest you to forget this card and apply for another bank's credit card. CC market very competitive these days, if a bank play hard ball then you can always go to another bank. If you already qualify for a Platinum card then you should have no problems applying anywhere.

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Added on December 17, 2008, 9:29 pm

Fuel prices have dropped quite a bit these days, my prediction is that you won't see this promotion being extended beyond end 2008.

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Added on December 17, 2008, 9:33 pm

Next time just don't entertain them. That's what I do all the time. If you listen properly, they have a way to end the sentence and trap you to say yes. Say clearly that you do not want this product and just end the call. I find many telemarketeers resort to unscrupluous tactics these days.

Just to add, that's why most of the veterans cc users don't put the free gifts upon signup as a priority in choosing a credit card. Always use the level of CS efficiency and what you ultimately want from the card (e.g Petrol rebates - DA MC card, points MBB cards or AMEX cc and the list goes on) as the deciding factor.

Well .. you can try to pump in a few bucks @ a non-shell station and that will give you the confirmation whether your card is damaged or not.

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Added on December 18, 2008, 11:51 am

Are you sure ? HSBC promos should apply to all HSBC card holders irrespective of their card sub-brands. If got difference also maybe because you are Classic/Gold/Platinum card user.

confirm le.. i check hsbc website some promotion they say no valid to amanah hsbc card.. so i also dunno all shops with promo to hsbc card apply to amanah card or not.. call sc and they say different, ask the agent she say same.. any amanah card holder got experience ?

I call them already they ask me to wait and use the card first because they give me cash for sign up and 5% for every 5th transcation till March next year wor. Now I feel the amanah card like no good de can't enjoy many offer.apply wrong card already

Hi, just something to share...........

I applied few times for PBB Plat cards but they rejected me everytime.

My salary more than enough for their requirements.

I submit salary slip,EPF statement,bank statement,other bank Plat cards(higher requirements than PBB Plat) using more than few years to pledged also they rejected me.

I checked with BNM for my credit report and it is clear.

Also,I never owe any bank or have any outstanding balance.

Maybe I hold too many cards and this is the reason of rejection.

Anyone got this experiance? How long can reapply after rejection?

Pls share...............

Hi vin_ann,
I personaly know one of the bank branch mgr very well.
He told me only card centre credit commitee have the authority to approve or know the reason of rejection on PBB cc. But they wont assign it coz the bank rules.
The reason of rejection oso he cant know. But he oso surprised coz my application rejected.
Maybe lik u say, "bad luck"

any hsbc amanah holder know how they give 5% rebate?any condition or terms one?

wah you all collect platinum card?i hear ppl say very difficult get platinum card but i see many forummer also got wo.no need to see income and easy can apply platinum card one?

I need advice on the following.

Yesterday I tried to buy microsoft points from xbox.com. (think of it as a prepaid reload)

The first time I tried, I got to a page saying the server is busy and my request cannot be processed. So I tried many more times (not by refreshing the page, I did everything all over again) and each time the same page that says 'cannot be processed' appears.

Earlier today I received a call from PB card centre, the guy asked me whether I used my card for online purchase from Microsoft. I said yes, and I explained that everytime I tried, the transcation 'could not be processed'. To my surprise, he then told me that all 10 transactions were actually processed!

I asked him to cancel all but one but he said they can't simply cancel, I'd have to ask microsoft to do that.
Either that or wait for 10 days and see whether the transactions will be dropped automatically or otherwise.

What's the best thing to do now? And what's with this 10 days thing? I forgot to ask the CS about it.

I already informed microsoft about this, waiting for their reply.

Hi All,
Would lik to ask anyone holding Citibank both Visa & MC?(seperate limit)
I currently holding Citi MC for 2 yrs & hope they can offer me another Visa. But till now they didnt offer me anything.
My spending is huge,never late payment or hav any oustanding balance.
Anyone know how to get their offer for 2nd card?

Hey all cc experts, anyone know if the UOB plat card annual fee can also be waived by 12 transactions?

Thks.