So he asked me did I call to Bank Rakyat to increase my master gold card credit limit. Then I said NO, cos I don’t even have Bank Rakyat’s credit card. Then he gave me my FULL NAME and IC No., asked me to confirm whether these information is correct or not. He got my name and IC correct, then he further gave me the billing address, which is in Sibu. Then I said address is incorrect. So he said he suspected fraud and asked me to hold on while he blocked my card (can hear typing sound some more, and background got a lot of malay talking.. hehehe….)

He told me my credit limit is RM 10K, and now already owed RM 9300, which I swiped it in casino in Sentosa, Singapore in June. So I kept saying No and No and finally he said it’s better for me to lodge a report to Bank Negara to play safe. And these are the information he gave me, asked me to write it down so that I can use it to report to Bank Negara.

Received call from this number : 03-21698888 (forgot the caller’s name)
Credit Card : Bank Rakyat Master Gold Card (credit limit : RM 10K)
Credit Card No : 5892 6720 9108 3033
Card Applied : 12 April 2010
Card Issued : 04 May 2010
Billing Address : 4A Lorong Salian, 18B 96000 Sibu Sarawak.
Bank Negara Phone no given by them : 03-27826813

Before he put down the phone, again he emphasized, asked me to lodge a report to Bank Negara. So I said ok and ended our conversation. Although I did suspect something is wrong, but still I think it’s better for me to really call to Bank Negara to double confirm. Of cos, I will not use the no given by them! I googled the no from the Internet and found Bank Negara’s no, which of cos is a totally different no lar. Then before I called, I googled the billing address too, and guess what? I found a blog post by googling the billing address!! Apparently this blog owner, Big Cow also received the phone call from them and decided to post in on the blog to share with ppl. Good job!! Here’s the link to the blog post, Bank Rakyat Credit Card Scam.

So after reading the blog post, I knew that I don’t even need to call to the real Bank Negara to confirm d lar… These ppl also very lazy lar, want to con ppl, used a different set of information lar.. billing address, bank, credit limit, all used back the same one, simply google also can find lar.. right?

So if you ever received such phone call, do not panicked. Just remember not to give out any of your information, and write down whatever they provided to you. Do not call back by using the phone no given by them, with the Internet, you can easily find any phone no you want, so google yourself!!

BEWARE!! con ppl are everywhere!! hehe..

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

Anyway, I went over to collect the new card, so when I asked them, will my existing card terminated automatically? They staff said, no, I can still used it. Apparently, they did not upgrade my card as I thought but they are actually issuing me another card!! I already signed “received” for the new card, so I thought maybe I just cancel off my existing card and keep the new one, since the new card offered a higher limit.

So i told the staff that I wanted to terminate my credit card, and asked they to transfer my existing installments/easy payments to the new card. The staff at the branch said I need to call credit card center to do that, they can’t do anything about it. When I got back to office from the branch, I called and guess what the credit card center ppl said to me? They said I need to do it over at the branch, they can’t do anything about it. Both parties also can’t do anything about it?

Of cos I told him the whole story, told him that the branch ppl said must call credit card center, but credit card center ppl said definitely must do it over the branch. FINE!! So just now during lunch, I went over to the branch again. I told them I wanted to terminate my credit card and asked them to transfer my installments to the new card. And guess what? They told me to call the credit card center again!

I am really pissed this time! I told her, “you asked me to call credit card center, credit card center ask me to go branch, so who is the person that is responsible for this”? She insisted that the credit card center is responsible for this and they cannot do anything about it.

I yet to call the credit card center but IF they tell me I need to go to the branch.. I think I will write a complaint letter to Maybank to complaint both parties!! Seems like no ppl is handling the credit card termination in Maybank? Or is this a new tactic they used to stop ppl from terminating their credit card?

1. Go Post Office in KL
2. Go UOB Bank in KL to terminate the credit card
3. Go get a min RM 10 Christmas Gift (any ideas?)
4. Go exchange something.
5. Go deliver baju.
6. Go meet someone..

It’s not a very long list but I’m sure when I’m done with all the things listed, it should be the end of the day d….well well.. Happy holidays everyone!! erm.. sorry, not everyone, only for those who work in Selangor. hehe..

Yesterday I received a letter from public bank saying that my debit card was cancelled. I was about to check on my savings account to see the balance has been transferred or not when I saw ANOTHER letter from public bank. It is the statement of account for my debit card (I thought the card already cancelled? why sent me statement some more?) and I was being charged for annual fees! So funny lar, I received both letters together at the same day, one saying my card was cancelled, another one stated annual fees being charged. And of cos, the balance RM 30+ did not go to my savings account as well lar, they used it to deduct for the annual fees!

~sigh.. hate calling banks.. makes me wait and wait and wait and wait….. and i hate to listen to this.. “All our representatives are currently busy, please hold and we will attend to you shortly……

But then, since our gov had announced that they gonna charged RM 50 per credit card, I’m sure the credit card sales ppl can’t use this to persuade ppl to apply their credit cards already. Who gonna pay Rm 50 yearly for a card that they hardly used, right?

As for me, currently I have 5 credit cards and I only used 2 of them frequently… So I guess I gonna terminate that 3 and leave 2 with me. Else I gonna pay RM 250 per year oh…

What about you? How many cards you have and how many cards you gonna terminate?

Immediately I called and asked. I asked them do I need to cancel the card although I did not activate it? They said yes. So I told them I want to cancel my card. Guess what the customer service ppl told me? She said I need to go to any of the branch to cancel the card. I was kind of angry when I heard this. You sent me a new card which I did not apply and u need me to go to the branch to cancel it?

I raised my voice (just a little bit lar..) and asked her why they sent me a new card which I never apply for? Guess what? I rasied my voice, that customer service also raised her voice. She said.. We will NOT sent you a card IF you did not apply for it!! Then of cos, I raised my voice a little bit more.. hehe.. I told her I really did not apply for any card recently..

Then both of us paused for a while, and she asked me to check whether my existing card, is it going to expire.. and it turned out to be that new card I received is to replace the gold mastercard that is going to expire. I asked her, I am holding a gold mastercard, why you sent me a platinum ladies card? She said, all women with gold mastercard will received the platinum ladies card as replacement.

Well, since it’s a replacement card and I still got an installment on that card, I have no choice but to activate it. After I activated the card, I found out that in order to waive my annual fees, I need to spend at least RM 3K per year and I need to swipe at least one time per month!! Hey.. last time my gold card only need to swipe 6 times per year regardless the amount..shit man…. they now do business like that la…

~sigh….

Guess what? FL received the credit card few days ago and there’s no phone calls from the bank to confirm the application!!! I really dislike these kind of ppl which uses some dirty tricks to get ppl to sign up. It’s all lies, and lies and more lies…

It’s a glass chess set. Immediately we told her we do not want it (cos we realized it’s the free gift from the credit card application and we don’t play chess too), but this girl told us, “don’t worry, it’s free, you don’t need to apply the credit card from me, just take it, just take it”. Then she continued to say, “please help me lar, i just want to finish my work, you just answer 5 questions and that’s it”.

Since it’s just 5 questions, FL said ok lor.. then she started to ask the questions. “What is you name?”, “Where do you live?”, “what is your phone no” and etc etc.. While FL answer her questions, she filled up the credit card application form!! When we asked her about that, she told us, “i will fill it up and pass it to the bank, when the bank calls you, you just said you don’t want the card. that’s it”!! We both felt we were being cheated! Of cos we can say NO to her at that point but FL was very kind to let her continue filling up the form, let her photocopy his IC and credit card.

So this is the new way they used to “sweet talk” ppl to apply credit card ya..If you are soft hearted/kind, you sure will let her continue to fill up the form! So lesson learned, when ppl passed you something, don’t hold it and let it fall!

I saw from one of their showrooms, the bookcase I bought can actually add glass doors. It looked different after adding the glass doors and most importantly, the books will not get dusty! I was very interested and immediately I check for the price. The display bookcase is in white (beware! different colors different price! I kena once when I bought the bookcase!!) and the glass doors also in white. It stated there glass door x2, Rm 140. So in my mind, it’s left + right door = Rm 140.

Few days ago, I went to Ikea again to get the glass doors for my bookcase. As I said earlier, different color different price, my bookcase is in black brown so the glass door is slightly more expensive, RM 175 each, and I took 2 boxes (for 2 bookcase). When I got home and opened up the box, I was shocked! There’s only one glass door in each box, which means, left door = Rm 175, right door = Rm 175, OMG, that’s sooo expensive lar. My bookcase only costs RM 245 and the glass doors need RM 350? Where got accessories more expensive than the item itself one?

Very clearly I misunderstood the price label shown on the display sets! So now what? I’m not willing to pay another RM 350 to get another set of glass doors for my second bookcase. But if one with glass door and one without, not nice also mar.. That is when I decided to refund. On the back of the receipt it says we can ask for refund in 30 days, just make sure we did not assemble the item and bring it back with the original packaging and of cos, the receipt as well lar.

So two days later, I brought back these glass doors to ask for a refund. The staff opened up the box and checked the item, then asked me what is the reason I asked for refund. I wanted to tell him it’s too expensive, hehe, but at last I told him I changed my mind. He said he will refund to me immediately after he checked the items. I thought he will give me cash but he gave me a refund voucher which worth Rm 350. He said I can buy anything from Ikea and the cashier will refund me back the remaining.

Again, I thought I can just buy something cheap and get back the remaining in CASH but again I was WRONG!! You see, my refund voucher worth RM 350, so i bought a packet of soil which costs Rm 1.90. I thought I can get back RM 348.10 in cash but the cashier issue ANOTHER refund voucher to me which worth Rm 348.10!! Arggggg…

Ikea so clever lar, they allow people to refund, but they will give you refund voucher and you will need to spend/use the refund voucher in Ikea within 3 months… headache headache, now I’m cracking my head trying to think what to buy with Rm 350..

So .. the moral of the story, don’t simply buy things from ikea without checking or understanding carefully. Cos once you paid, even you can refund, your money that you spent will still belongs to Ikea..