The marketeer of Standard Chartered Bank went to a lot of trouble to get me to sign up for their credit cards.
The marketeer later told me that the bank will not pay her any fee for the cards sold to me, as I belonged to the older age group. It seemed that the bank wanted to target the young people who are likely to roll over their credit line and pay interest of 2% per month, plus a late payment fee of $50 (or whatever is the amount).
I am reluctant to start using the card until I got my GIRO authorization arranged. I had to get the GIRO form from their branch. After submitting the authorization forms, I did not hear from the bank for more than one month. I called their hotline and they said, "no record of GIRO arrangement".
I suspect that they are not really keen to have me spend on the credit card and pay by GIRO. Perhaps they are waiting for me to pay late, so they can impose their fees.