I think I should...
Because a representative from Standard Chartered Bank (Visa Section) called me up as I was having my shower to ask me to make my credit card payment.
Here was how the conversation went (or something like this):
StanChart rep: Puan Nuraina Abdul Samad?
SCR: I am calling from Standard Chartered Visa. It is about your credit card XXXX (the last 4 digits). Are you making your payment today?
Me: (Startled because I can't remember the number...) er er ...aah.. mmmm.
er....I don't know whether that's the number... Why are you asking?
SCR: Are you making your payment today?
Me: er ....well..I always make my payment at the beginning of the month.
SCR: Where do you usually make your payment? Is it by cash or cheque or....
Me: I always pay at the Damansara Utama branch...by cheque through the ATM teller.
SCR: So, you will make the payment today?
Me: Today, tomorrow...Ok...ok.... wait... When was my last payment? Was it last month?
Me: So...why are you.....(got myself together...) Excuse me ...do you now make a practice of harassing your cardholders for payment at the beginning of the month??????****&^%%$ (no...I did not swear, only in my heart).
Honestly. I thought that was not nice of Standard Chartered to be calling me for payment. It's not like a month has lapsed since my last payment. I can understand if they called me because I had defaulted (in making payments).
The guy introduced himself as someone from Standard Chartered, and he had the last 4 digits of my card correct. So, I am assuming that it was a genuine call from Standard Chartered.
Well...it is their prerogative to harass their card holders.
And that is why I am going to make a full payment to the bank for my Visa bills. I am giving up my Visa card with Standard Chartered.
So sad since I have been their cardholder since 1988.
I guess I'll be applying to CIMB.
I have held a bank account with Bank Bumiputra since forever (20-plus years). BBMB became Bumiputra Commerce and now it is CIMB.
CIMB has come up with many plans and products for its account holders. CIMB saw it fit to make me a CIMB Club member. I didn't even know I was although I had been receiving pamphlets from CIMB on this. I never took the trouble to read them. So, I had no idea what it meant until I had a casual chat with one of the officers at the bank.
During the course of our conversation, she asked me if I was interested in applying for a Visa card, for which my application (as a CIMB club member) would be automatically approved.
I politely declined because I said I already had one (Standard Chartered) and I was very happy with it.
I told her one was enough-lah. And CIMB was not the only one I turned down, given the many promotions by so many banks with regards to credit cards.
That was a few months ago....
Today, I don't think I am happy with Standard Chartered.
So, tomorrow, I will be visiting the CIMB officer to apply for a Visa card.