Don't have to call yourself "kiasu". Everyone is like that. Nobody will help you when anything really goes wrong

The blue bank is very fussy when they were still making loads of money every year and expend their business like there is no tomorrow. Even to open an account needs special authorization and approval from branch manager

This post has been edited by MilesAndMore: Jun 3 2009, 06:28 PM

regarding those cs who hang up the phone...once i lodge a super complain straight to their head..its a local bank...then the whole cs department revamped and the old staff got shoot upside down lol....u ned to write a powerful letter with superior english to their management level peoples...btw....i feel someone here have some rage towards the blue bank as i found that eventho in US they got rumours of collapsing..still they are an international bank afterall..and is recognised far much more better in overseas than using ur local bank cc LOL

There is no such thing that you can't terminate the card. Most likely the agent can earn commission if you keep it for 6 months

bro, just called 2-3 times and they can definitely cancel it on the spot. I suggest you to go to the nearest branch and fill in the cancellation letter. In the Just one application form stated that annual fee waiver subject to min transaction RM 42 per day. hopefully it can be accumulated as one year transaction of RM 15 K+++, otherwise I don't think many people can afford to use their card every day

I planned to terminate the clear card... not much of discount lately.
The only advantage is their internet banking service - easy to pay bills, but their branches is not a lot.

Wow...your letter must be super powerful enough to make the whole department and system revamped!?

Anyway, I do agree this particular US bank had the edge over other banks in the past. I reckon their cc service is satisfactory thus far. But we need to be a little more cautious when depositing our money into foreign banks in view of the global market volatility. It has always been better to be alert than negligence. But it's all fine for cc service.

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Added on June 3, 2009, 8:35 pmWow...your letter must be super powerful enough to make the whole department and system revamped!?

Anyway, I do agree this particular US bank had the edge over other banks in the past. I reckon their cc service is satisfactory thus far. But we need to be a little more cautious when depositing our money into foreign banks in view of the global market volatility. It has always been better to be alert than negligence. But it's all fine for cc service.



This post has been edited by winner: Jun 3 2009, 08:35 PM

yeah... the GSC One Utama setup the special lane for the GSC-EON card beside the gold class lane...

Yes ... I agree this is the likely scenario here. Agent just trying to delay you for 6 months.

I don't think they will collapse though. Just that they are no longer on the same league as HSBC. Will take them moons to crawl back to the level they previously at. Good luck to them


I think this is actually a myth. Not quite true


Yeah. I think so too. An agent helped my mom to apply 4 credit cards from 4 different banks a few months ago. My mom was told that it is okay if she doesn't want to use any of these credit cards but if my mom really wants to cancel these credit cards, he told my mom only to cancel it after XX months. Figured it has something to do with commission.


Most major foreign banks in Malaysia are very stable and financially sound. Such as HSBC (no doubt and so far only their US operation is reporting losses), Standard Chartered, UOB Bank and OCBC.

This post has been edited by MilesAndMore: Jun 3 2009, 11:55 PM

yup ... found out the reason y i hafta keep the card for 6 mths ... the agent's commission will b pulled back if any new card is canceled whithin this period ... but thts doesnt mean tht cs could hang up the call

anyway i stil keep the titanium so the agent stil got his commission on this card ( i never applied for the visa anyway , so if scb din send me the cc he oso dun get the visa commission rite )

a complain had been lodged with another cs but i doubt anything will happen ... i dun haf powerful enuf english level so cant write "keng" letter but after cool down , ok la no nid go make thing worse liao .... juz hopefully the titanium cc dun gif me much trouble la

I applied Hong Leong CC before and I wanted to cancel it. So, I called the agent. The agent honestly told me not to cancel it so soon as it may affect her commission. She asked me to cancel it after around 3 months.

To me, it is ok as I have nothing to lose. So, I cancelled it after 3 months...

If we have nothing to lose, why not we just let them earn the commission???

hi i got call yesterday, from maybank. she told me that maybank offer their credit card petronas.. what is that?

no fee, just take the card for free, quite confusion..

should i take?
i got this offer coz my current salary with their bank

It's a free for life card, you can just take it if you want. A number of us have received similar offers.

Take it and keep it in your drawer by all means

If you consent to it then it is OK. Most of us here (including myself kena b4), got sent unsolicited credit cards which shouldn't have happened in the first place. The agent did that either to gain additional commission or to meet their targets and unfortunately @ the consumers expense. Plus, it is the consumers right to do what they want but again there are cases where the agent lies that the bank requires you to keep the card for a certain xx period.

Saw the link to a blog .... what if you sign up for additional insurance packages without the consent of your customers? Don't you think you will be thrown out of work @ lightning speed?

This post has been edited by hye: Jun 4 2009, 08:55 AM

so it means that the agent will get his/her commission only after 6 months? siao...lol

this bank is strict on the commission.. One of the agent told me that maybank issue commission to her once the credit card is approved (no need for customers to keep for 6 months). She even encouraged me to apply amex, swipe 1x, get the free laptop bag & terminate it after that.

lulz..ok got it

I hear all of you say want to terminate the card, if terminate it now, it is can apply again, maybe a few year or month?

well ... if the agent honestly told me he would pick a master n visa , i mayb obliged to his request.
but now the problem is , the visa never been applied by me nor mention by the agent tht he will tick tht column. if he doesnt do tht , and its solely scb policy to issue 2 cards , then it shudn't affect the agent comm since im not canceling all the cc ...

moreover tht damn cs who hanged up my call make me damn tulan ... before tht his voice tone oso like threatening saying "u must keep it for 1 yr or at least 6 mths" ... thts the point when i start questioning him til he proceed with my cancellation.

after 1 exp of helping agents , i dunwan to do it again. last time keep all the cc not using in home , thief come in , take it n swipe kaw-kaw. becoz of the cc havent been use so long , the bank called to verify the usage as it was a shopping spree ( damn they buy watever they c ). then onli i knew something wrong. although ask them to block , some transactions stil go thru.make police report , 3-4 appeal letters , 3 times visiting their hq , onli dispute.

i definitely dun wanna go thru this anymore.yes,they say they will responsible for the fraud case.but did they do any investigations? i doubt they could do anything , it was ourself who had to prove we r innocent by asking the shops cctv records , explaining. so y shud i risk myself for an agent comm???

I tried to cancel a card but the bank is making it such a pain. So I just report it as lost card.