Hahaha ... changed your mind winner ? I thought you earlier said that Alliance is better.
I had around the same thought when I wrote coz I figure enjoy the benefit while you can and then keep the card in the freezer.  If all their customers did this than perhaps SCB would need to change their mind again.

Anyway ... these are some extra info that my RM provided about this card

- Need to maintain minimum balance of RM1K in the current acc. You will be subjected to a half yearly fee of RM50 if the balance falls below RM1K.
- Actually the card will use your account balance first and then if no money, it will use the credit facility.

Conflicting info from the CS contrary to most forummer reported ... YES! In fact, I called CS and they told me the same thing as well. Nevertheless the rebate is attractive enough - use it and then freeze the card!

i applied last 2 weeks together wif my wife ... this morning my wife got a sms said her card was approved but i havent got any ... so in the afternoon i called scb n ask for status n they said unsuccessful 

@hye :

the current acc nid to maintain min balance??? how come the cs i called say no nid???

then they use our acc money first b4 cc means it will function as debit then onli cc???

wah ... so different from wat i noe le ... hafta make sure when my wife's card came along...

if thr's oways money stanby then ok la .... but nowadays cc usually used as advance then onli pay when get salary wor ... how to keep so much cash in acc??? aih

i applied last 2 weeks together wif my wife ... this morning my wife got a sms said her card was approved but i havent got any ... so in the afternoon i called scb n ask for status n they said unsuccessful 

@hye :

the current acc nid to maintain min balance??? how come the cs i called say no nid???

then they use our acc money first b4 cc means it will function as debit then onli cc???

wah ... so different from wat i noe le ... hafta make sure when my wife's card came along...

if thr's oways money stanby then ok la .... but nowadays cc usually used as advance then onli pay when get salary wor ... how to keep so much cash in acc??? aih

The CS and Price Solution people told me the exact different information as compared to my RM.
So rather then we argue about it, I'll be trying out this product myself soon. At least we will be able to get the correct picture regarding this product. I didn't like the idea about the RM1K as well but look at it this way .... either way you will still need to pay your card account anyway. Take the RM1k as a prepay amount and you gotta admit the rebate is good. (Especially if you use it every friday)

Hi guys ,

I earned about RM1.9k basic + rm200 for allowance =RM2.1k, about RM1.85k net income per month .

which credit card is suitable for me ? im looking for free cc without any annual fee charges .

Im interested in maybank CC since i receive my salary with maybank , however i don't think with my current salary they will approve it.
thanks a lot guys.

Called up RHB yesterday to cancel 2 of my cards with them and was told that I have to surrender the cards to an RHB bank personally or fax them a letter of request.  So troublesome.  Is this normal?  Other banks like MBF allows me to cancel over the phone.

Now going to print out the letter on the first page and fax to them.

I am getting different information. The CS told that the min 1k balance only applicable for normal current account not justone account. With justone account there is no such minimum balance needed.

regaring to use debit & credit card, he say we have to inform cashier. Normally, there is option to choose at the terminal.

my wife juz received her scb cc today and its a normal gold card    but she apply for justone card.
so she called n asked y it is? the cs said card approval is subject to the bank's discretion. so my wife said if the justone application was rejected then y send her the gold card she dunwan? cs reply "u can appeal n submit your income documents to upgrade to justone". my wife say juz cancel the card.

in the afternoon i received a call from scb as well. the cs said she wanna verify my details for opening a current account which is attached to the justone cc    but last 2 days the cs juz said my application was unsuccessful?

how scb is like this? really dun feel like being their customer.

told my wife her cc approved but sent a different cc.
told my application rejected but now say wanna open account.
asked bout the justone cc criteria , none of the cs r sure.

really a messy bank.

I really feel insecure with credit card..what happen if the cashier/waiter jot down the credit card no and the 3 pin no on the reverse side of the card. They can use the info on internet transaction.

Can anybody expert here enlighten me here on this.

Well ... finally the official T&C is out from the bank. Probably they received a lot of feedback concerning the lack of information concerning this product. OK ... let me try to add on based on what I know as well.

- Fee for current acct maintenance is not there but you definately need to keep some inflows and outflows in your account within a 12 month span. Otherwise they will deemed as dormant ... whether this will affect the status of the JustOne is still unclear.
- Cheque book are mandatory items although you don't put in any money. The RM2.75 will be charged to your cc account instead.
- If you have money in your account, spendings will be deducted from here and then the card will function as a credit card.

If you ask me, just put in some money before the 12 months is up. At least you will avoid your account to be dormant. I suspect the card is actually a credit card with debit card like facilities.

I'll be signing up soon for this card and let you guys know of the feedback later. Unless someone beat me to it.

http://www.standardchartered.com.my/person...rds/justone/en/

the color looks cool

Yeah, i meet the requirement. just that i dunno if i have to open a current a/c as this seems like a debit/credit card with cheque.

erh, keep asking to change until you are satisfied ..............  customer always got a choice, right??? 

They sure took their time. Been able to do that at SCB since way way earlier for the info of interested parties 

I'm not sure about SCB but previously somebody said that PBebank could do so.

Why don't you pay your utility bills (except water) by direct debit from your cc? It will not only ensure timely payments, but also give you some rebates (such as telecommunication).

Besides TM Autopay offers for RM2 rebate, any others offer rebate for auto billing?

Digi give RM5 off for auto debit fyi

i had received my justone current account cheque book.
i had oso received a scb platinum ( which i never applied )
BUT i stil havent got my justone cc 

wats wrong wif this scb?

now i hafta cancel either the scb plat or citi plat ( wan to consolidate my cc into 2 major )
any idea which 1 worth keeping?

and any1 noes whether i can combine the cl of my hsbc amanah cc with my hsbc premier cc? if can i wan to combine the limit then cancel the premier    ... so no nid keep so many cc around.

Oh...I've just submitted my application without studying the T&C about the AF waiver. Can someone please confirm whether the AF waiver is based on yearly or daily spending?

Referring to one of my previous postings, is Shell included in the participating merchants for cash rebate? I thought the rebate is applicable to all retail purchases?
You are so kind! I'll cancel whatever pre-approved cards that I never apply for.
You can just accept it if it is the cc that most fulfills your requirements. Even though it is free for life, you may need to think twice if it does not really fit your needs, in order to reduce your financial risk.

juz used my scb justone .... yes it really nids to press for cc or dc 

luckily i stand beside the cashier ... he wait the transaction to approve ... then i saw scb cr / scb dr ... then i said hafta press the scb cr ... the cashier c then shocked "aih,how come got this option 1?"

if i hadnt been thr i think he will wait till the line drop then say cc cant go thru    quite troublesome .... tomolo test pump petrol n c ( aih no more shell , hafta change    )

Retailers in M'sia and less advanced countries in overseas are inexperienced handling cards with both debit and credit functions. It may frequently lead to failed transactions. But it is quite an experiment for retailers, towards a more convenient shopping system for consumers in the future.
RM200k home loan is not a big sum. Did your existing cc contain huge outstanding balance or BT yet to be settled when you applied for a new cc? Anyway, you can just neglect the bank in the future as they don't appreciate you as a customer. Their agents may contact you one day to promote their new products as they have already got your details.
Were the words - Debit and Credit shown on the screen when you did the transaction? In this case, I won't deposit any money into the current acc as I may press wrongly resulting in debit instead!

It should be no problem if you witness the transaction and tell the retailer to select cc function. However, some problems will occur if you dine at restaurant and use this card for payment. The retailer may think the transaction fails if he/she doesn't know how to operate it.

Don’t worry. Getting SCB Titanium doesn’t mean I can fully enjoy the 2% cash rebate. I’m sure there are some stringent T&Cs attached to it. In addition, I have no experience with SCB before. It’s still premature to conclude the level of their service. Btw, I look forward to receiving the cc next week. 

I don't depend on them but they're nice little bonuses.  My insurance premiums are already RM300+ each month, then there's Digi, Streamyx, electricity, water, petrol, dinners, groceries... yeah they go into thousands.  Even if they don't, like someone else said, some money saved is some money saved

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Added on June 12, 2009, 9:57 am
hello alexwsk, what's the T&C for getting the 2% rebates and 5% rebates on Friday?

Good. So you are having spending spree today?

Did you renew your car insurance and road tax using Myeg online? If your car insurance is only expiring next month, you may renew it after June 30, where you can enjoy a discount of up to 10% without going through an agent.
In principle, all Alliance cards should be given the 0% charge. You may need to call the CS for double confirmation.

Over the short-term, SCB Just1 is good. Once you have hit the RM600 limit, you can switch to other cc with cash rebates.

When they give you the rebate?