Car Loan Comparison | Worst Nightmare: Applying For A Standard Chartered Credit Card

One of the worst… wait, on second thought, THE WORST credit card application routine I've vanished by is when we practical for a Standard Chartered Bank (SCB) Credit Card. Would you think that getting an vehicle loan or a housing loan is ample much simpler and faster?

It all proposed when we saw their giveaway Ipod randomize promo. we practical online and waited for someone to meeting me. A couple of days later, someone from an outsourced firm called me and asked me to fax and email the vital docs similar to passport, driver's license, billing statement, etc. After sending those docs, an representative called me once again to resend the docs given they are unclear. So we emailed once again and she mentioned that all docs are in demand and would be submitted to SCB. For this routine alone, we had to speak to 3 not similar agents.

Around a week later, an SCB worker called me to authorize my application. She asked me all the sum that we have created in the credit card application. Quite frankly, we already found their routine to be as well tedious. we have practical more than 10 times to a few credit card companies and this is the initial time we was interviewed similar to we was submitting an application a job. A couple of days later, two more employees called my workplace to verify.

Two weeks transfered and we received a content that my application had been approved. Today, the bearer arrived to broach my card. At first, he asked for my passport. we showed him a photocopy and he accurate it to be correct. Then, he gave me a form that mentioned CREDIT CARD ACTIVATION FORM. we indispensable to expand in my name, birthday, mother's girl name, phone number and signature in to that form. This is when we refused to put all those trusted info is to bearer to see. we called the SCB patron service and asked because they are asking me to hold such trusted info to a third party. The CSR could not give me any answer, she only mentioned that it is their SOP. we asked for a aloft control and the name of their subdepartment head, but she refused to give it to me and asked me to call the Makati hotline. we called the Makati hotline and was redirected to the credit card dept. @#$%$^#!!! This has got to be a of the stupidest SOP I've heard. we can trigger the card thru phone so because do we must be expand up the form??? Also, the CSR mentioned "it is only the birthday and mother's girl name, so because dont you only write it?" HELLO??? we cannot think that we am conference this from someone who functions for a credit company. we thought of equivocating the data, only to obtain the card, but then again, because give my business to their company. Finally, we returned the card to the courier. In total, we talked to at least 7 persons in a camber of a month, and still did not obtain my card. we practical for a automobile loan, talked to 3 persons and got the automobile in only 3 days. we practical for other loan and was interviewed twice and got the deduction in 1 day. we theory they dont unequivocally similar to to give out the giveaway Ipod shuffle.

Their patron service pales in comparison with that of HSBC credit card. we not long ago asked for a credit enlarge and they were very pleasing and hospitable. They only asked me to fax a billing matter of other firm that we have a aloft credit confine with. Also, waiving the financial charges and annual fees are completed without any highlight on my part.

Speaking of promos, we think SCB, HSBC and PNB-Allied cards have very great outlay promos this time. Ditto EastWest Card. However, those who pioneered this scheme, similar to BPI, Metrobank, and Citibank have lousy promos the past couple of months….