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View Full Version : To CANCEL DIRECT ACCESS, Pl recommend another good card



PeterLee
17-05-2007, 11:53 PM
Since Southern Bank has been forced to sell to CIMB, the Direct Access service has gone down the drain, from good to bad and now the worst of all.
I have been unable to make use of my virtual card for internect purchase for the past few days. reason being that they sent out by ordinary post the new CVC number with date extension, and at the same time, blocked my existing virtual card. The new number not yet arrived but the old number could not be used. CIMB is destroying the hard work that has been built by Southern Bank for the past many years. Heard from customer service that many card holders are leaving for other bank. I intend to do so as soon as possible.
Please recommend another Bank card where customer service is good and payment is convenient for resident of USJ.

Good Guy
17-05-2007, 11:57 PM
Since Southern Bank has been forced to sell to CIMB, the Direct Access service has gone down the drain, from good to bad and now the worst of all.
I have been unable to make use of my virtual card for internect purchase for the past few days. reason being that they sent out by ordinary post the new CVC number with date extension, and at the same time, blocked my existing virtual card. The new number not yet arrived but the old number could not be used. CIMB is destroying the hard work that has been built by Southern Bank for the past many years. Heard from customer service that many card holders are leaving for other bank. I intend to do so as soon as possible.
Please recommend another Bank card where customer service is good and payment is convenient for resident of USJ.

PBB is good. (I don't work for PBB. I retired!!) :D

USJ27Resident
18-05-2007, 12:02 AM
dunno about you but I *touchwood* never had any problems with my hsbc card so far...

service good... payment can be done via ATM, TT, SO, Internet... and CASH DEPOSIT.

some restaurants and outlets have special extras for card holders too.. 10 -25% discounts and/or offers

big expense signings would attract a call from the c/card centre... when I go overseas and sign - my wife gets a call from c/card centre to cfm that I am actually overseas...

and their giftpoints catalog - better than HLB packages too :p

so... I stick to my HSBC...

PeterLee
18-05-2007, 12:07 AM
Thanks.

Shall call up PBB and HSBC tomorrow morning.

patrick
18-05-2007, 12:24 AM
Do you want to consider City Bank? I dont have any problems over the many years I have been with them. They also have a sub free card call Choice Card. And payment by cheque is a breeze. Just drop your cheque into a box at the Shell Station in Kewajipan (near to Sime Rengo).

birdy
18-05-2007, 05:43 AM
I think only Southern Bank created this troublesome of the requirement to maintain a virtual card for internet purchases, the normal card cannot conduct any internet purchases.

The rest of the credit card has no problem in making online purchases. Just go to any shopping complexes, being Carrefour, Giant, 1-U, etc.. and you can easily sign up a few new credit cards plus getting free gifts.. :D

Raikonen
18-05-2007, 08:29 AM
I would recommend Citibank...their internet banking is a breeze with good gifts redemptions too (points can be accumulated with no time limit)

Heard the the new UOB One card is good too.

charis14
18-05-2007, 09:28 AM
Am preparing to cancel my Direct Access card too. Have already applied for UOB - taking into account their 4% discount at Carrefour. This beats all the gifts and bonus points.

PeterLee
18-05-2007, 10:08 AM
Thanks for the recommendation.
There is no UOB Branch in USJ, payment could be a hassle.
I think the nearest Br is in PJ State.

Raikonen
18-05-2007, 10:11 AM
Thanks for the recommendation.
There is no UOB Branch in USJ, payment could be a hassle.
I think the nearest Br is in PJ State.

I dun think you need to go to branches to pay. Write a cheque and post it. More convenient than going personally

KH EE
18-05-2007, 10:19 AM
heard from a little bird that cimb were had when they bought over the sbb group as certain co's were just "empty" as the biz were taken out...

all my cards are free of annual fee, and as per the previous sbb management, my sbb cards (not direct access) are free for life. let's see if cimb decides otherwise.

my main criterias in choosing a card are:-

1. convenience (like internet banking)
2. free of any fee (my hsbc & affin cards were levied annual fees this year but, on appeal, they were reversed out - haven't use my last weapon yet!)
3. reward points (uob looks good due to tie-ins with c4, bhp, etc; citibank - non-expiring points)
4. occasional offers (free cinema tickets, lunches, dinners, etc)
5. easy card payment (thanks Patrick - can other citibank cards be paid at this shell station?)

so peter, it's up to personal preference. however there are numerous card issuers in subang/usj to choose from.

chookyan
18-05-2007, 10:37 AM
"my main criterias in choosing a card are:-

1. convenience (like internet banking)
2. free of any fee (my hsbc & affin cards were levied annual fees this year but, on appeal, they were reversed out - haven't use my last weapon yet!)
3. reward points (uob looks good due to tie-ins with c4, bhp, etc; citibank - non-expiring points)
4. occasional offers (free cinema tickets, lunches, dinners, etc)
5. easy card payment (thanks Patrick - can other citibank cards be paid at this shell station?)"

Another 2sen advice, better that you apply for a card from an international bank with PLUS services, having PLUS is kind of a useful during emergency when aboard can withdraw cash, the same goes for ATM cards from bank with PLUS. Tried using EON bank visa while in London once, hotel say no deal - unknown bank, came back cut the card and threw it down the drain.

Jokee
18-05-2007, 11:02 AM
I believe when using credit card, the machine is seeking approval from the VISA or MASTERCARD centre. It has nothing got to do with the bank. Thats why some outlets accept either VISA or MASTERCARD or both. Enlighthen me if I'm wrong.

chookyan
18-05-2007, 11:29 AM
I believe when using credit card, the machine is seeking approval from the VISA or MASTERCARD centre. It has nothing got to do with the bank. Thats why some outlets accept either VISA or MASTERCARD or both. Enlighthen me if I'm wrong.

Hi Jokee - It does sometimes that irrespective of visa/mastercard the issuing bank plays a role too. My collegue had an experience in Seoul upon checking into the hotel, reception insisted on a credit card from an international bank like Citibank, HSBC, Std. Chartered. I myself had the same experience in Rome too. Not too sure if it is becos we are from Malaysia a hot spot for clone cards.....

evelynlim
18-05-2007, 11:38 AM
Am preparing to cancel my Direct Access card too. Have already applied for UOB - taking into account their 4% discount at Carrefour. This beats all the gifts and bonus points.

I thought of applying for UOB card as well for the 4% discount at Carrefour but decided not to when I read the terms & condition that it's only applicable when you spend a min of RM100 in a single receipt :cool: Also UOB has limited branches in Klang Vally & payment is the hassle like what PeterLee has mentioned. I don't have confident by posting my cheque as don't know how many days it will reach the bank & will take another 2 days for clearing, if it's not on time then have to pay for the late payment penalties...
So far I don't face any problem with Direct access, but if your card is free for life then no harm keeping it ;)

patrick
18-05-2007, 01:05 PM
.........

1. convenience (like internet banking)
2. free of any fee (my hsbc & affin cards were levied annual fees this year but, on appeal, they were reversed out - haven't use my last weapon yet!)
3. reward points (uob looks good due to tie-ins with c4, bhp, etc; citibank - non-expiring points)
4. occasional offers (free cinema tickets, lunches, dinners, etc)
5. easy card payment (thanks Patrick - can other citibank cards be paid at this shell station?)


If you look at above criteria, Citibank actually meets most if not all!
1. Citibank's website is great! Best I think!
2. Free of fee? Their Choice card is free though you get points only on every RM50 ie if you spend RM65 you only get 50 points. That to me is a bit silly!
3. UOB rewards used to be quite good until they started giving crabby gifts. That's when I gave up their cards. Citibank's non expiring is really good. Dont have to worry about expiring or whether have enough points etc. Just redeem as and when. And their redemption efficiency is excellent! Usually less than 2 weeks! And free delivery! Direct Access delivery also got to pay! And every year expire! Very lecheh lah!
4. All cards got occasional offers.
5. Yes, all citybank cards you can pay at this Shell Stn. No need envelopes. Just drop your cheque into the box! Voila! Simple!!

KH EE
18-05-2007, 01:36 PM
Yes, all citybank cards you can pay at this Shell Stn. No need envelopes. Just drop your cheque into the box! Voila! Simple!!

orchi, you reading this? no need to drive to jln ampang or puchong to pay.

thanks patrick, i learned something new today. :D

mimosa
18-05-2007, 05:09 PM
Using Direct Access (DA) cards for more than 10 years. No major problems but noticed that more difficult to get the call centre now. Feels like they only have 2 persons handling all the calls now. But its convenient to pay, just through the phone, no interest even if 2 days late.

DA not many promotions now, so just use it for standing instruction charges. More charges to UOB and others.

Citibank? Dumped it more than 10 years ago. That time only 1 bank mah at the old address, summore go all the way to KL to pay was a killer and annual sub was one of the highest. Although they did try very hard to get me back, offering free sub and calling me every year for 2 years. How izzit now, I dunno, but some ppl are pleased with it.

KH EE
18-05-2007, 05:18 PM
Although they did try very hard to get me back, offering free sub and calling me every year for 2 years. How izzit now, I dunno, but some ppl are pleased with it.

no harm having a free additional card just in case...

the other day i was having dinner and when paying the bill i asked if there are any special offer/discount & she said that there's a 10% off if i pay using a certain bank's card, which incidentally i have... just in case lah...

& if any card charges any fee, just appeal. if all else fails, then cancel it...

scorgio
19-05-2007, 01:31 AM
orchi, you reading this? no need to drive to jln ampang or puchong to pay.

thanks patrick, i learned something new today. :D
There's also a Citibank branch at Damansara Perdana now.
Also a cheque drop machine at the Shell station opposite Phileo.

KH EE
19-05-2007, 09:47 AM
There's also a Citibank branch at Damansara Perdana now.
Also a cheque drop machine at the Shell station opposite Phileo.

normally orchi & me would do our banking at night, preferably after 10pm - no problemo parking, lesser ppl @ bank, and staying in usj means that it's only logical to do it nearby.

anyway thanks as forgotten that there's a citibank, & also hsbc, in d'sara perdana & this knowledge may come in handy later. :D