No lah! Results for that isn't even out yet. Plus I'm struggling to get onboard AMEX remember ?

Maybe yes and maybe no. I keep a good track of my cards and always remember to cancel it. I've known people who attempt to cancel and reverse the annual fees and they have to put some effort to get the bank to reverse the fee. It may takes months and in the meantime your credit history will look bad if you skip payment. If you pay the annual fee also you are screwed coz there's a chance you won't get your money back or it will look as if you are consenting to the annual fees.

My own personal experience ... JUSCO cc till now did not refund me my money and it has been years. I called CS and they say write in and writing in doesn't get any reply. Maybe experiences will varies with other people but this is one card that I will not be suckered into again and I hope no one else will get conned into it as well.

Better prevention than cure if you ask me.

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Added on March 22, 2009, 1:47 pmAlways do your homework before making that decision to sign up. You should have asked them - up to 2% rebate or 2% rebate. They will back off if they detect you know more than they do.

This post has been edited by hye: Mar 22 2009, 01:47 PM

Well ... let's make this simple. You just submit your application and see what is the bank's response. And don't forget your current 3 months slip. I think despite the circumstances, you stand a good chance to be approved (with entry level credit limit) if your salary slips is indicating a regular RM1.5K min for the last 3 month.

Don't quote me and do remember that different bank and different cc have different set of rules which they approve the applicants. Obviously if you attempted to apply for a Gold card or higher - you stand a good chance of being rejected. The idea is to have a cc and work yourself up from there.

The senior guys here will tell you the same thing. Even, I myself had a RM3K limit many years ago. If anyone here thinks the bank will grant you a magic credit card ... dream on !

Aiyoh ... why need to be stressed out ? This a perfect example of CS. If you think they can't deliver, just walk out of the deal. Need not scold anyone because that person is just doing his/her job and worse still may not even be his/her fault. I saw this with my own eyes many years back with a particular bank - CS was trying to help customer but the so called 'supervisor' told the CS to tell the customer to f*** off. (Note: did not use the actual words but the whole solution was equal to that) CS get scolded for nothing.

Now whose fault do you think it is ? CS ?

Better I think if you share your experiences in this forum. Eventually everyone will know and will shy away from the bank. Isn't this much more meaningful ? E.g I have mentioned my experience with AEON cc but I still see people applying for the card at the malls.

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Added on March 22, 2009, 8:23 pmSimple answer ... different banks have different promos. The banks which you just mentioned provide conditional AF waivers and there are banks which provides unconditional waivers. And of course AF waivers which you need to call in.

The market is moving towards AF free trends but you still need to be a good customer. You can't just ask for AF waivers but you are the fiends of the banks ... should be understandable if the bank says no to AF if you are never their good customer ?

This post has been edited by hye: Mar 22 2009, 08:52 PM

If you ask the HSBC agents, they will tell you this. To a certain aspect it is true but it depends on which promo code you sign up with. *Hint* Remember to ask the HSBC agent what promo code he/she is signing you up.

BTW ... some banks they will never publish this info on the website and HSBC is one of them. This is to provide flexbility to the packages that they offer. E.g. I got a 5 yrs waiver on my HSBC card recently but not everyone will get it and nor it is written on the website as well.

Why don't you make a written formal complaint to the bank ? Make sure it is written and not just call in to CS. And before that make a police report as well if you think you have a genuine case. That will make sure Citibank pay attention to you.

I got hit by Citibank's agents fraudly applying cards which I don't want before. I made sure they heard my complaints and the head of credit card sales called me to apologise. Your case is even stronger (if you think you have a case) and I'm sure they will notice it - hey complain to the press as well !

This post has been edited by hye: Mar 23 2009, 07:02 PM

I recommend you to read the past threads for the best bank deal that's suitable to pump petrol. Don't be lazy.

Actually, the best answer to your question is not even in this thread. It is in the debit card thread.

I'm confident on my advice bro. That's why most seniors here refrain from giving out the recommendations on "best" card here and there coz then people ask us back sure or not. It is annoying coz we speak from our experiences in most cases (or good cases) and not just heresay from some unreliable sources.

Now a little regret giving out advice coz ppl maybe other ppl think they know better. Next time I won't be so nice whenever someone ask "best card" question in this forum.

This post has been edited by hye: Mar 23 2009, 10:57 PM

Agreed. We don't teach anyone or condone anyone here threatening the banks. If they don't want to give you waiver, then just proceed to cancel the card. No big deal. Again, if you have not been using the card - don't expect the banks to be nice to you. The seniors here have been a good paymaster, use the card regularly and generously. If you follow these rules, I don't think the bank will say no to you.

Again, we never threaten the bank or use dirty tactics. AF waivers are conditional and the banks will look at the way you have been paying and using your card - PERIOD . (Unless you are using those free for life cards)

Another new offering to the cc market from Alliance Bank.

Alliance Bank Allianz VISA credit card

This post has been edited by hye: Mar 26 2009, 09:41 PM

The monthly income will need to be steady income of RM5k. Banks will probably discount if it is coming from sales commission and the likes because the probability for it to be non-sustainable (not fixed) is high.

I have mixed opinions about Citibank but they are not that bad to the extent someone has to fly a few hundred km's just to cancel their card. (Not to mention it was hard to understand what were you trying to say in the remaining of your post) Even if this were true, perhaps there are some special serious circumstances that your sister need to deal with Citibank.

Whatever it is ... your story does not hold well given even the most horrible experience that I had with Citibank.

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Added on March 28, 2009, 10:47 amNot necessarily tinkerbel. My new card from Alliance bank is only about 41% of my existing highest credit limit. I used 2 cards as reference and even using the second card which had a lower credit limit, Alliance Bank only gave me a credit limit of 52% of that reference limit.

Guess it depends on the bank's policy when it comes to providing credit limit. (I'm slightly disturbed with my lower credit limit)

This post has been edited by hye: Mar 28 2009, 10:49 AM

Come to think of it, i don't really mind the lower limit. From another angle, they are giving me 2.2x of the old limit they gave me when I prviously held their card 2 years ago. It is the total package that matters, plus the cash rebates that this card is supposedly to be providing. Will be using trying out the card and see how it goes.

Good experience then keep, bad then cancel the card.

To a certain extent you are right about it. I try my best to use my credit card in place of cash coz at least I get points for my spendings. And from my observations, it's not just the cashier - probably the whole place and staff are not used to their customers using cc thus they don't make an effort to educate the cashier on how to use the system nor their supervisor bothers.

For example, KFC has been a cash outlet for so many years and suddenly they allow customers to use credit card. If the cashier is having problems with the paypass

1. Best scenario, they will slot in the card into the cc machine and you need to sign the slip. (Sometimes the Paypass version also they ask to sign, I don't blame them coz it's likely their supervisor who gave the instruction)
2. They try to slot the card in the machine, something goes wrong and they ask you to pay in cash after a few tries. Likely that you will see that there's only 1 machine working in the entire store. Suddenly all the other machines are not working ?
3. The worst if they will just take the easy way out and say that the machine is out of order but actually it is working just fine.

Burger King outlet accepts cc as well (I go to the one in KLCC). Machines used to be working well and then only 1 works. Now they just tell me that the machine is not working at the moment and it has been the case for many weeks already.

I just can't believe they think that customers are that stupid and this is one of the examples of bad habits within the Malaysian services industry. We need to get rid of our 3rd world mentalities.

HSBC Current Promotion

- Runs from 16th March till 30th April 2009.
- Open to eligible cardholders who receive the mailer and has registered via SMS. (Likely those who did not receive the mailer to be ineligible)
- Need to spend between RM7,500 to RM14,999.99 to receive an additional 8K of points. Or spend RM15k and above to receive 18K additional points. (Note to spend within promotional period)
- Extra points will be credited after the promo period.

PayPass and VisaWave are good potential products but the way the program has been executed is dissappointing. It will end up as one of those hype unless something is done to address the execution problems.

Yeah I agree the spending criteria for HSBC is too high. In these troubled times, you want people to spend RM7.5k just to get extra points ? Gotta be kidding, I rather go for cc products which give me cash rebates.

Yes ... the moment you cancel your card you lose your points. You should have redeemed it before cancelling the card. And no, they won't entertain you to reactivate the card just to redeem the points. Nor they allow reactivation after you cancel at all for that matters.

Reactivation of card normally can still be done if they suspend your card rather than cancelling it. Bank will generate a new set of credit card numbers if they do reactivation of card after cancelling - means you still lose your points.

You should decide whether you want to continue allowing AEON to deliver late statements to you. It is as simple as that. If you can't then decide whether you want pick up the phone and mention this problem to them or walk out from the 'relationship'.
Personally I don't tolerate sloppy customer service.

Yeah ... plats are so common nowadays. I got it myself and there are days that I couldn't be bothered about it anymore coz I know anytime I could get it. For example, I enjoy using my debit card which gives me 7% petrol rebates and no credit card provider can match me - for once so what if it isn't a platinum card .

The RHB travel money agents always kena when they approached me. They think I'm conning them when I told them I could get 7% rebate beating their 'conditional' 5% petrol rebate.