DBS Credit Card sucks!!

PoRen SG · 2005-02-03T11:51:04+00:00

From Experience.... Citibank for overseas. Better services as there are more branches and support.... also getting cash, credit etc is much easier. Other b...

PoRen SG

Annual fees is waived.
Now 1 year is up. I cancelled it becos I do not wish to pay annual fees for the following year.
The card was cancelled but I still have to pay the annual fees!
Really sucks big time!

Poopie-Head SG

did u used it at least once after it expired? if not, i dont think u gotta pay.

i cancelled many times liaoz, never paid a single cent.

pqr SG

The card was cancelled but I still have to pay the annual fees!

if you have indeed cancelled the card, they will not ask you to pay the fee. Even if they have bill to you, you can still cancel and need not pay.

Should call up DBS

Electrostatic SG

Dbs just sucs..damn blardy sucers

Parka SG

too bad

Gazelle SG

I believe it is not just DBS card, cause I would think that all other credit card offered by local banks is the same. If you want to have a reliable card, I would suggest that you try citibank. IMHO I think they are the best in Singapore.

Here are some of my experience :-
a) Credit limit increase
Citibank can arrange this within 15 min without having to give them cork and bull stories.

Local banks - Need at least 24 hours, and if you dont have a valid reason, they might not even do it for you.

b) Annual Fee
Citibank will waive it if you call them. Maybe they will tell you to use your card at least 3 times within the next 3 to 4 weeks.

Local banks will deduct the annual fee from your credit card $points without your permission, or they insist that you pay.

c) Call centre
Local banks phone banking services is slow and ineffective. Long waiting time to reach a phone operator, and personel at call centre doesnt seem to be able to make any decision.

Never have the same problem with Citibank.

d) Website
Citibank website is one of the best when it come to navigating and making online transaction between all your credit line, credit card and banking account.

MeoW_MeoW SG

so far i dun have this problem with DBS... just dun pay lor... Rolling Eyes

Poopie-Head SG

Hahaha, I beg to differ. Citibank is at the VERY bottom of my list. I dunno why people keep saying their service is good. For me, it Sucks real bad, and I've experienced it more than once. My sister's boss got fed up of the bank too (oh yes, they managed to piss off a REAL BIG customer Laughing ).

BTW, many other banks offer waiver of annual fees when i call them up to cancel. DBS, OCBC, BOC, etc etc. And I recommend BOC for its best rates for currency conversion Wink

Gazelle SG

You might want to tell us what kinda of bad experience you and you sis's boss have with Citibank?

oldbreadstinks SG

?? boc? bank of china?

Poopie-Head SG

yes, i tried alot of banks incl Standard Chart, HSBC, DBS, OCBC, etc etc (last time got habit of collecting cards LMAO) and found out BOC is best for xfer rate and i've tried it more than once. I'll stick to it permanently for this. Laughing

Gazelle SG

Personally I dont see any benefit in what you have mentioned. BOC might offer a better Forex rate (I believe this is due to Yuan being peg to the USD), but their rate can never be as good as those offer by local money changer.

If I am going for a holiday trip, I would prefer to bring along cash or traveller cheque, and by doing so, you can avoid paying commission to credit card company.. If I am worried about carrying too much cash, I would usually draw cash from overseas ATM machine that have a "PLUS" sign and it will still be cheaper than going through credit card company.

If I am travelling for business, I usually wont border about what rate the credit card company charge because my company will be paying for it.

You mentioned earlier that Citibank card is rank bottom of your list, can you tell us why you said that?

Poopie-Head SG

Originally posted by Gazelle:
Personally I dont see any benefit in what you have mentioned. BOC might offer a better Forex rate (I believe this is due to Yuan being peg to the USD), but their rate can never be as good as those offer by local money changer.

If I am going for a holiday trip, I would prefer to bring along cash or traveller cheque, and by doing so, you can avoid paying commission to credit card company.. If I am worried about carrying too much cash, I would usually draw cash from overseas ATM machine that have a "PLUS" sign and it will still be cheaper than going through credit card company.

If I am travelling for business, I usually wont border about what rate the credit card company charge because my company will be paying for it.

You mentioned earlier that Citibank card is rank bottom of your list, can you tell us why you said that?

ah, becoz i frequently buy stuff from overseas online, and I also travel. That's why i prefer to have a lower rate, u will be surprised some banks charge much higher than the average!

Traveller's cheque very troublesome, cant use for online purchase. PLUS sign ATMs, etc their rates are all dependant on the bank isnt it? If u use a Credit card for PLUS ATM withdraw, then its worse, they charge 3% (i tink) more.

I have many cases where BOC gives me a rate LOWER than what i check from xe.com!

As for citibank, no further comments Laughing dont tell me u are a staff? Mr. Green

Gazelle SG

No I dont work for bank. I am just sharing my bad experience with local banks.

mandotcom SG

Hi..

DBS is ok... they give you the card and can use it..

The worst is America Company (AXX) some more a charge card. They dont even issue... "how lain" KNN....dont want business. Look down on Singaporean... KNN... see when they in trouble and close.

I and my friend walking in Orchard, they offer us the application. and we sign up. Ask if we have other cards, Yes. GOLD from DBS, HSBC, OUB 121 free for life. Then we waited months, no reply from the company.. call the company... oh.. your application reject.. eeeeeeeeeee

Dinnes Clubs is GOOD can use in some Airport Business lounge in HK, Dubai, Germany, etc. I enjoy drinks and snacks during transit @ HK airport.

MDC

cindtan29 SG

i support UOB!!

the discount is good, the service is prompt and if u threathen to cancel the card, they get the Manager to call and ask y and ......they waive ur fee...... Laughing

the Bear SG

just a question.. what has this topic gotta do with Speaker's Corner? Laughing

cindtan29 SG

Just wan to share my experience with CitiBank visa.....

Once i lost my wallet in HongKong and after calling UOB, HKSH, OCBC & Citibank......only citibank allows me to go to the Bank and cash out money using my passport for identification.....

U shld u'stand that when u r alone in a foreign country....no money....and upset abt the loss....the one who offers to help is the greatest relief u feel indebted to....

I am only saying that in terms of overseas problem...Citibank truly can help but in Singapore...i dun think citibank offers the best value for the card holder....

Neutral

shinta SG

maybe becos its DBS bank?

read in a book.. ok.. my textbook.. that DBS is sth like the central bank of singapore.. before they set up MAS...

u0405813 SG

uob is good i have their platinum card and they have 1 for 1 buffet and five star hotel the offers are really power