Vin_ann's right about AEON. I'm one of the guys who had bad experiences with the card - it is one of the problems which you should not tolerate. (Or anyone else for that matters) AEON had problems losing their customer's cc payments - if you are confident with it and thinks they have improved then good luck!

Oh yes ... not to mention a CS system which is highly unresponsive, it is the only card that I will never reconsider reapplying in the future.


With the exception of the payment difficulties with UOB, their CS is generally good and helpful. The only thing I didn't like them was that they refused to upgrade my CL despite me paying them in full every month and have spent generously over the years. So it's goodbye to UOB.

This post has been edited by hye: Nov 5 2008, 11:25 PM

I'm currently enjoying my SCB cc which gives me 0.5% rebates (unlimited) for all purchases. AllianceBank's card has a cap of up to RM5K.

Still this is nothing to the rebates that you guys here are getting @ Carrefour! I don't shop for groceries much so it would not benefit me much.

This post has been edited by hye: Nov 7 2008, 12:01 AM

May I know what card is it ? + If the rebates are promos or permanant. Can't get any info on it in their website.

@perror

Most of the forumers here have mentioned HSBC as one of the better cards in town, glad there's one extra example already.

Sorry to hear about your case and yes most of the folks here have experienced a hit and miss with their Citibank cc. I used to have a good impression about them but all that changed when their staff fraudalently applied extra cards for me which I did not appreciate. Good that someone acknowledge the mistake but they are bad @ fixing the damages.

Hi perror

Thanks for sharing us with on your thoughts and I share your enthusiasm to build an information system which provides a good review on the various approach that the bank uses to tackle cc frauds.

Just one thing though .... I'm worried that some smart alert will find a loophole based our information and use it to commit cc fraud. Should be careful though.

And yes ... one of my main criteria in choosing a cc provider now is how good is their service level. I don't really care about promos so much but I want to feel secure whenever I use the card while travelling. So many things can happen and the last thing you want is not being able to pay for anything or you are being frauded.

Just my thoughts ...

P/S Do tell us what happens to your friend & Maybank. I am curious coz as far as I know, the bank can screw up you by messing with your credit history in your CTOS / CCRIS. When that happens then your friends will have a lot of problems with financial institutions when want to apply cc, loans, etc.

This post has been edited by hye: Nov 7 2008, 07:44 PM

vin_ann

You have the info on that HSBC card with the rebates ?

Same here ... I always carry 2 cards around from 2 different banks. My spendings are also segregated into the 2 cards. My current craze is for cc with spending rebates ... helps to get something back in these tiring times.

I always treat my cards as if it were cash and to consiously aware that the cards are always in my wallet or in safe keeping. Not letting it out of my sight if I hand it over to the cashier.

I do get those calls saying that they are from some Mastercard / VISA center and they offer these cards where you can get all sort of promos. What do I do ? ... If I am in a good mood ... I'll let them talk while I keep quiet after a saying a few words. If not ... I won't pick the call from numbers which I don't know + they tend to call from a Digi number. Definitely won't pick up a call from an unknown Digi number

As a rule of the thumb yes but it may not necessary be like this all the time.

Factors such as bank's internal policies, credit history, payment history, etc. will impact your credit limit granted by the bank. E.g. Heard before that Platinum card holders given a RM8K-15K limit only ? Or a basic card with RM3K limit only ? These are real credit limits that have been granted to local cc holders.

This scam has been repeatedly mentioned in this forum. You should say no and not to reveal them any info despite being asked. Take note they may seem to know your details but actually they are scamming you.

Anyone here could help to upload the full info + application form for the
HSBC MPOWER VISA PLATINUM CREDIT CARD-i ? This card is so new that it has yet to register in HSBC's Malaysia website.

I wonder whether users of this card still qualifies for points similar to SCB's Business Platinum card.

Thank you bro

No they won't. In fact, you can keep your card for years without usage and they still won't cancel it but be aware of your annual fee anniversary if you are not using a free-for-life card.

Remember the golden rule ... never trust the cc agent so quickly. They just want you to apply the card but do understand the approval lies in the cc application department hands. Citibank cc agents works on comission ... more reasons for them to be aggresive and will do anything to make you sign up.

This post has been edited by hye: Nov 18 2008, 07:05 AM

Your statement will only be issued once you hit your billing cycle. Call the CS and ask about the billing cycle and while you are at it, call and check whether your account is due for payment.

There ... very easy and no need to sweat or panic.

No charge will be incurred by you when you load funds into your PayPal via cc. (Make sure you are using a verified credit card for the purpose. Login into PayPal and get your cc verified) However the fund recipient will be charged by PayPal.

I had this card a short while back. Actually, it is quite cool but I decided to retire this card coz it is a little embarassing to pull this card out in front of a client. It is actually one of SCB's best product back then and this product was launched when SCB just had a management change. Their cc customer base grew coz of this card. Before that SCB cc was one of the hardest card to apply in town coz rejection rates was high.

This post has been edited by hye: Nov 22 2008, 06:19 AM

MOL freedom card is a debit card and this is a thread for credit card. Wrong discussion thread my friend.

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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Added on November 24, 2008, 9:38 amI 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

If I'm not mistaken, the conversion rates are determined at the VISA/MC International level rather the HSBC's bank level.

This policy is in the event you did not pay for a few months and the bank can't contact you. The bank will then call these people in the hope that they know where you are. Sometimes the bank checks out the reference sometimes they don't - it is random but they will if they are slightly suspicious of your application.

This procedure is quite standard, so don't worry.

I suggest you to only get credit card that have online facility. That way you can be spared from late bills.