Credit Card application
It has been many many years since we last applied for a credit card… we hold the HSBC and Citibank.. and is given to us since we have accounts with them… the application for the cards were applied on behalf for us by relationship manager or the RM which is safe and sound…
anyway, about 3 weeks back… we had lunch at Taipan… as we were leaving the restaurant, we were approached by the Mega credit card people… 2 youngsters who definitely have no appeal as a banker at all… came to us… saying “ko.. cie.. free first year and now with Mega cc, it’s 50% off at Taipan”… hubby looked at me… father-in-law turned and said “50% off leh…“… so I said to the salesperson and asked..” how do I cancel it should I want to discontinue the service after the 1st year”.. (after that BCA incident… it’s gonna be my first opening question to all these people..)… anyway… I am not that keen…and I didn’t want to manage another account… but the in-laws and hubby went ahead…
First they asked to fill in the standard information on the form that has the usual empty dotted line for address, billing address, income etc… next, copy of the personal identity card.. which obviously we don’t carry the copied version… so they ended taking out their handphone and capture the ID… Third, asking for a copy of the credit card that we already hold… and again, since none copying machine insight, again both guys used their mobil phone to capture the front and the back of our credit card…
I was sitting nearby and seeing how the whole thing being process…. something striked me that could these people be a fraud?… darn.. they took all our details!! …including our credit card details for both front and back!!… as an online person… what we gave them is more than enough for them to go online and have a big shopping extravagenza!!!..
I seriously didn’t feel right about the whole thing… so I turned to Hubby… explained my whole concerned .. and asked them both if they are those freelance credit card salesman employed by the Bank? or the full time employee…. well.. they replied ‘No’… which was not a relieved to be honest…. whether they are one or the other… they definitely have more than what is needed to be known….
somehow… hubby went ahead with the application… he just received a call about further verification… and frankly… this will be our last … the more I think of it, the more I feel unsecured !!!… well.. do take precautions… Medan does has scammers… actually in all places around the world… but it’s the way they do things here that make it worst… and the law does not protect the credit card holders like how it used to be…. so watch out…
Popularity: 4% [?]
medankota on October 5th 2009 in Medan Bisnis, Medan General, Recommended
Blackberry Indonesia responded on 05 Oct 2009 at 3:00 pm #
Here’s a credit card fraud story going round Blackberry Indonesia Community
http://www.berryindo.com/hati-hati-apply-kartu-credit/
marsangel responded on 05 Oct 2009 at 7:23 pm #
Actually, I’d be more wary applying and using a credit card in China. But yeah, I’d never apply a cc if they have to capture the 3 or 4 security numbers at the back of my card. My last application was with BII, and it was just to help a friend of a friend. It turns out that the follow up calls were so annoying and my father (known to be very strict and bad-tempered man), literally ‘killed’ the man over the phone when they started asking private questions like how long he’s lived in that house. My parents hold BII accounts, and they complained heavily to the RM, after which they withdrew all of their money there. So yeah, it’s a lesson that we shouldn’t really try to apply for a cc from a bank, unless the cc are applied for and given free for life (courtesy of the banks). I got an earful from parents afterwards
and it taught me never to do anyone favour especially when it comes to cc. Btw, I bet all those banks hate us who pay our bills on time and never accrue any interest. They’re more interested in people who accumulate bad debts…and it’s a well known fact. Sigh…
medankota responded on 06 Oct 2009 at 11:31 am #
and yesterday… my husband saw the big ‘Mega’ cc 50% off promo sign board .. stating offer valid till 6 Oct… he turned to me and kinda of asked me what’s today’s date.. I said 6 Oct 2009… his eyes went big and said.. the promo has ended!!!…. hahaha…
a lesson well learnt…. ( i was like… ‘told u so’..)