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CB certainly has a problem but I don't think anyone in that org knows what it is.
A group of us is fighting a dispute with CB re the recent X'mas cashback on Ready credit account. Now I am reading what are posted in this area, with interest. I can't help but to share my experience.
I have been uising CB ReadyCredit for many years - courtesy of Diners Club. The reason has been simple - convenience. I need to write cheques occasionally. The CB chequebook is definitely handy especially when there's no fee imposed.
Then, I went to work in Malaysia for a few years. A local bank was quick to offer me credit cards with comfortable limits. At that time, I was still happy with CB in AUS. So, I applied for a CB card when I was approached.
I was shocked when CB Malaysia gave me a card with miserable MYR1000 limit. That was less than 20% my monthly salary. How in the world they worked that limit out ?
I tried to reason with CB. Basically, give me MYR10,000 limit or don't bother at all. They chose the latter.
Somehow, the CB marketing people simply couldn't leave me alone. They were everywhere - in the letterbox, e-mail and even supermarkets and shopping complexes.
I finally decided to humour them in a shopping complex. I ask them why I should apply again after the earlier experience. The response was, "Sir, you deserve Citibank." I nearly cracked up laughing. With a smile, I answered, "But Citibank does not deserve me." ... and walked away.
Why do I still retain CB in AuS ? Cheap cash and free chequebooks.
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