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I gave RM 2.10 to Alliance Bank today…

I used to have 5 credit cards (1 Maybank, 1 HSBC, 2 UOB and 1 Alliance Bank) and ever since the government said gonna charge a RM 50 fee on every card, I started to terminate these cards one by one. I went to the UOB bank at Uptown to terminate the credit cards as they said we can’t do it over the phone or fax over the termination form. It was pretty simple to terminate these cards, just filled a simple form, and the officer in charge cut the credit cards into 2 right in front of me. A month later, I received an official letter informing me that my UOB credit cards had been terminated.

As for the Alliance bank credit card, I called their customer service and they said we are allowed to fax over the termination form. So I filled up the form and faxed over 6 months ago (yeah, last year November) and then I left 2 cards, one master and one visa. Although I’ve faxed over the termination form for alliance credit card, I still received the statement every month. So 3 months ago, I called and checked my card status, they said they did receive my termination form but due to a lot of ppl canceling their credit cards, it will take some time to process. So I said ok and wait… and finally I decided to call again today after I received the statement yesterday.

When I called them, they told me my card has already terminated but due to the balance I have in that card (the bank owes me RM 2.10) and because I do not have any saving/current account with them, they have no other choice but to continue sending the statement to me. Of cos I can ask them to issue a money order to me but according to her, the bank will charged me RM 2 for that, which means I will only get back RM 0.10. So she’s asking my permission to give that RM 2.10 to Alliance Bank.

Well, you know lar, I am so GENEROUS one, so I said yes and give them the RM 2.10. If you were like me, wondering why you still receiving the statements after you’ve terminated your card long time ago, better call them and asked.

The moral of the story? Never overpaid these banks cos you will never get back your money. hahahahahahaha…better still, don’t apply any credit cards…. :p

Tags: alliance bank