to my experience . HLB is a "kiasi" n "kiam" bank lo ... look at their cc benefits usually one of the worst u can get ...

even on BNM policies , if the policy lower their revenue , HLB is the last to implement ( usually when almost due date set by BNM ) ... if the policy benefit HLB , they r very efficient

i canceled everything at HLB from cc to CA juz bcoz their service n benefit sucks ... i remember they got complain thru BNM when they printed a misleading brochure stating home loan + saving gain certain interest ( they din include the terms + conds and their sales doesnt bother to explain ) so when someone kena , HLB oso kena liao

Their share margin services oso once kena boycott by most remisier n lastly kena warning from BNM coz they put out a list on which company shares r not elligible for their loan ... its illegal to do so ...