★CREDIT CARD BANK YANG KORANG GUNA ★

fletch

Reply 120# medangmru

okeh, thanks bro..nnt aku padam pakai marker..cantekk

kilometrico

baru jek amek cc aeon bln lps...
mgu lps dpt bil seratus lebih walopon lom gunekan lagik
td pihak aeon call tuk pengesahan haku gune cc tuk byr bil maxis lak
skang aeon dah  block dolu cc haku....
kalo camneh, haku nak kensel jek le cc neh....
tp leh ker sbb br sebln jek pegang

medangmru

baru jek amek cc aeon bln lps...
mgu lps dpt bil seratus lebih walopon lom gunekan lagik
td pihak  ...
kilometrico Post at 17-7-2011 02:03 PM

    buleh jer......sbb dapat CC tu takder ikat kontrak apa2...

Dulu aku hanya pegang Cc AEOn  dalm 1 1/2 bulan jer.....

kilometrico

buleh jer......sbb dapat CC tu takder ikat kontrak apa2...

Dulu aku hanya pegang Cc AEO ...
medangmru Post at 17-7-2011 19:19

    dah g tanye kat aeon servis....
die kater kalo nak stop cc kena byr blk rm227
sbb aeon dah cover tuk insurans tuk setahun punyer..
die kater baek gune dolu, pas sethn br stop....

yus262

Reply 124# kilometrico


    pergh, tak pasal pasal kene bayar 227...ni dah dikira hidden charges...kalau aku, sudah aku refer ke tribunal...

fezy

teringat zaman2 dulu yang boleh maintain card banyak sblm wujud service tax.

tapi skrg, bnm kasik ruling baru. gaji <36k p.a., 2 card max. kene cancel kad2 xnak guna by 31/12/2011. kad sedia ada, not more than 2x of salary.
yg gaji >36k masih mcm biasa.

ni nak habaq pasal hsbc. sakitnya hati aku.
time adalah officer hsbc ckp psl loan rumah, alih2 dia kata applylah cr card hsbc.
aku jawab, dah ada.
dia jawab, xpe... yg ni lain bene.
A (aku) - ada byk standing instruction kat cr card ni. kalau amik baru, kompem ke on top of cr card yg ada atau replace cr card yg ada ni.
D (dia)

fezy

alamak. x habis cerita. mod. bukan sengaja nak kejar cr tau. tertekan butang enter. sambung.

D (dia) - x pe. on top of. (aku dlm hati ok lah gitu).

alih2.. bila activated. x guna pun sbb mmg card hsbc tu utk SI je... tgk inteernet banking, 'eh? mana cr card lama aku?'
call customer service, mintak kensel kad baru tu. aku x pedulik limit tinggi dr kad lama, tp nak balik kad lama.
hsbc kata xleh buat apa2. aku jwb lah, pehal lak? aku x kata kensel pun n loan officer tu kasik info salah bla bla bla.
tapi nan hadooo... last2 nak puaskan hati biar hsbc x dpt merchant fee, dah terlanjur mmg kene ubah SI (diorg x leh pun 'transfer' Si dr kad lama ke kad baru), ubah Si ke card bank lain terus.

puas hati.

zasssssss

aku tak pernah guna cc ni.....banyak kali dah mebeng call cakap nak bg aku cc ni tapi aku yang tak mahu.....sebab aku rasa aku tak mampu pegang je cc tu tanpa berbelanja....huhuhu...dah guna takut tak ter'over' belanja pulak......

R2D2

Your personal details can be bought for just 10 sen


KUALA LUMPUR: For a mere 10 sen, your personal data are being sold to unauthorised bodies. A list of 1,000 entries containing names, handphone numbers, type of credit card owned and issuing banks, and place of work costs only RM100.

If you regularly receive unsolicited sales calls, messages or e-mails, then in all likelihood, your data have been collected and sold to third parties.

With such baseline information in the hands of the unscrupulous, more particulars could easily be gathered and your identity stolen – for transactions and the purchase of goods or services without your knowledge.



A list obtained by Sunday Star linked individuals to credit cards although banks regard the leaking of information as a very serious offence.

Those caught for this offence could be subjected to punishment under Section 97 of the Banking and Financial Institutions Act.

Association of Banks in Malaysia executive director Chuah Mei Lin said that member banks treated customer information with the greatest of confidentiality and would not sell or use information indiscriminately outside the confines of the banker-customer relationship.

“Banks will also not hesitate to take disciplinary action and to report employees who breach laws, regulations and policies,” said Chuah.

The fact is any database is vulnerable – from loyalty cards and telecommunications companies to housing developers to members-only clubs – and there will be a demand for it as it represents a list of potential customers.

An entry from a database of an exclusive club comprising Datuks and Tan Sris, for example, could fetch RM3 each and resold for RM4.

National Consumer Complaints Centre chief executive Muhammad Shaani Abdullah said this was a dangerous development.

“What are the authorities doing about this? If someone makes a higher offer, what is there to prevent other vital information such as credit card numbers from being obtained?” he said.

Currently, telecommunications companies are not allowed to give out personal data of their clients to any third party under the General Code of Practice for the Commission and Multimedia Industry Malaysia and provisions of Communications and Multimedia Act.

Celcom said it adhered to its Protection of Consumer Information Policy to safeguard its customers’ personal data.

“In the event of any leakage of customers’ information and upon receiving an official complaint, a thorough investigation will be conducted.

“We will not hesitate to initiate legal action if we uncover evidence of such wrongdoing,” said its CEO Datuk Seri Shazalli Ramly.

What is clear is that piecemeal law must be replaced by comprehensive data protection legislation in Malaysia.

A Data Protection Act and a Privacy Act have to be enacted as well as an amendment to the Constitution enshrining the right to privacy.

baby_pingu

ai pakai 3 card sekarang nih

Citibank - yg nih dah pakai 5 years...so far ok, senang nak berurusan.. call jer semua settle..mula2 apply dulu pakai card dia yg bentuk agak pelik tuh..lupa dah..evo ke apa pastu depa auto-increase credit limit byk kali gak..sekarang nih pakai yg gold..sayang plak ngan card bentuk pelik tuh dulu recently dpt platinum, tapi dah bgtau takmo tukar..annual fee tinggi woh plat tuh..risau nanti tetiba takleh waive, nanges aku nak byr

Ambank - yg nih apply sbb gaji masuk kat bank nih..back-up card..limit sket jah 3K

Standard-chartered - nih apply sbb gedik nak ambik free gift...setakat nih bank nih aku rasa paling tak best..tunggu masa ja nak terminate..

izy

Salam semua  I angin btl ngan hsbc, last month I apply la visa sbb nk gi oversea. Sampai skang x dpt, bila I call kata pending ... Pending... Td I trs gi , diorg pun xtau sbb pe pending. Alasan yg diberikan maybe sbb I x angkat call m diorg call... Gila call pun xde. Yg I dpt Surat confirmation pasal pertukaran alamat. Last sklai diorg Kata sementara nak tunggu duh apply cc dr bank lain...

Persoalan I skng, if I apply bank lain , then cc dr hsbc pun lulus boleh tak I terminated cc dr hsbc ni... Buat pe Pakai byk2 tak?

Lagi satu napa la hsbc ni damn stupid pending lama2, xdpt just bgtau xdpt...

R2D2

tak nak diganggu telemarketing?
Citibank - just send email
Maybank- kena tulis surat
HSBC - just tick dlm online banking

wanitajelita

eringat zaman2 dulu yang boleh maintain card banyak sblm wujud service tax.

tapi skrg, bnm kasik ruling baru. gaji <36k p.a., 2 card max. kene cancel kad2 xnak guna by 31/12/2011. kad sedia ada, not more than 2x of salary.
yg gaji >36k masih mcm biasa.
fezy Post at 28-7-2011 16:12

   wahhh ye ke... cc CIMB aku dah la tengah proses ni. gaji <36k tu kira camane, ikot gaji semasa ke?
tapi ada kebaikan la jugak bila gomen wujudkan gomen tax 50 tu. kesannya, banyak orang yg b4 ni amik cc dgn tujuan back up (cuma apply bukannya guna pon.. cuma buat standby je) akan cancelkan cc yg tak berapa guna dan kekalkan cc tertentu je... so stiap pengguna ada had tersendiri nak amik berapa cc je, bukan mcm dulu.


disebabkan tu, skrg ni bank2 sumer desperate nak suruh kita apply cc diorang. since ada competition, semakin banyak benefit yg ditawarkan kpd pengguna. salah satunya yg aku perasan, dulu kebanyakan cc ada annual fee... skrg, jarang dengar masih ada cc yg kenakan annual fee (gold la maksud aku... kategori lain aku tak tahu la). kalau diorang tak buat mcm tu, org tak nak pakai cc.. sebab terbeban dgn gomen tax lagi.


mcm aku Maybank2cards cuma bayar gomen tax 50 je. takde annual fee.

wanitajelita

Td I trs gi , diorg pun xtau sbb pe pending. Alasan yg diberikan maybe sbb I x angkat call m diorg call... Gila call pun xde.
izy Post at 3-9-2011 00:33

izy, alasan macam ni memang customer svc dan pegawai bank suka guna sbg strong backpoint pada pengguna. aku pon pernah gak kena dgn Maybank mcm ni...  diorang bagi alasan mcm tu. bila check call register kat hp, takde pon diorang call. pembohong :re:

izy

x blh nk undi sbb xde cc. apply hsbc pun sampai skang x ade maklumblas

hyldia

aku guna cc maybank-visa gold.dedulu...masa awal2 guna cc nih,aku mmg berdisiplin org nya....byk mana aku guna tetiap bln..maka sebyk itu laa aku akan byr tanpa culas.tp...skrg nih,aku berbelanja ikut nafsu & tetiap bln aku hanya byr minimum payment jekk.bila cc aku dah cecah rm4600...aku mula sedar dari mimpi indah yg aku berbelanja ikut nafsu!so,aku tekad nk langsaikan hutang cc aku dlm masa 3 bln & now aku dah bebas dari hutang cc!!now,cc tuh msh aku pegang lagi tp dah dekat 4 bln aku x guna cc tuh.mayb,aku guna utk kecemasan jekk.

hyldia

mayb,bagi org yg gaji beosr..rm4600 tuh kecik jek nilai nya..tp bagi aku yg gaji ciput nih...nilai tuh sgt tinggi!!paling penting,aku x nk terperangkap dlm hutang cc...hutang secara senyap yg blh melalaikan aku..

cikanggun

mak jemah ader 4 CC....
byk woooo hutang kt bank....adessss
caner nk setel nehhhh....

mebeng/cimbeng/bank islam/aeon...sumer mak jemah sapuuuuu

bottombikini

dah 10 taun setia dgn hsbc..balance ada la lagi 2-3 rat nak kena settle..pas settle nx month nak katup tuko ocbc laks..

R2D2

CC Bank Islam?
last choice