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Credit Cards MACH by Hong Leong Bank Credit Card, The card that reflects your Lifestyle

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laymank
post Jun 12 2015, 03:13 PM

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QUOTE(ic no 851025071234 @ Jun 12 2015, 03:08 PM)
Baskin Robin and chatime this kind of shop consider dining?
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I doubt so, since starbucks also not considered as dining
laymank
post Jun 22 2015, 09:52 AM

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I have recently reactivated my MACH card which was cancelled a year ago, HLB sent me a new card with new card numbers.

Without me knowing, I was given RM100 credit to spend. Yes!
laymank
post Jun 22 2015, 02:01 PM

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QUOTE(kelvinlzy @ Jun 22 2015, 01:01 PM)
Meaning your card was not cancelled actually, just deactivated only.
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Well, they said it's cancelled and must be issued with new card number. I guess that's equivalent to applying new card.
laymank
post Jun 23 2015, 08:54 AM

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QUOTE(red_scorpion @ Jun 23 2015, 12:04 AM)
How did you do that? call asked to reactivate? then they just send you new card without submit any doc?

I also owned mach 2 years ago, but terminated on 2014. This year I went in branch, have to resubmit new doc for the approval process. First application failed, officer asked me resubmit more info only able to got approval since my commitment was too high...even though my previous payment records was perfect
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Yup, just received a call over the phone and it's done. No doc whatsoever.
The surprise is the RM100 rebate that I didn't expect at all.


laymank
post Jun 24 2015, 01:36 PM

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QUOTE(victorywp @ Jun 23 2015, 07:04 PM)
anytime as long as they allow you to cancel. so just try...
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I don't see no conditions for the RM100 rebate.
laymank
post Aug 4 2015, 10:53 PM

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QUOTE(goliath @ Aug 4 2015, 08:56 PM)
I'll start first...

Buns and Meat, Lakefields not under dining category.
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Yeast Cafe @ Mid Valley and Social @Publika are NOT under eligible Dining.
laymank
post Aug 5 2015, 08:41 AM

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QUOTE(fruitie @ Aug 4 2015, 11:36 PM)
Updated first post already.

So far only listed these two:
- DePastry Setapak
- Buns and Meat, Lake Fields

I'll check out this thread and update accordingly.
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Post #954 also.

Yeast Cafe @ Mid Valley and Social @Publika are NOT under eligible Dining.
laymank
post Aug 10 2015, 10:23 AM

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QUOTE(kelvinlzy @ Aug 10 2015, 10:19 AM)
I mentioned before that my Starbucks transactions fall under MCC 5499, manual feed. You guys might want to double confirm with CS for that.
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one suggestion, see if it is feasible to individual.

Tip: get a card that gives CB for online transactions. Reload starbucks card online. Worry not about MCC code on Starbucks.
laymank
post Aug 10 2015, 11:14 AM

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QUOTE(kelvinlzy @ Aug 10 2015, 11:02 AM)
Yeah that works too. 3 cards came to my mind: PB Visa Sig, CIMB CR & UOB Vox. laugh.gif
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CIMB CR is annual fee free!
laymank
post Aug 10 2015, 01:46 PM

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QUOTE(kelvinlzy @ Aug 10 2015, 11:19 AM)
Well, I might use UOB Vox to pay for TM bills every month so it is annual fee free for me too rclxms.gif
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whichever way that works best for you! rclxms.gif
laymank
post Aug 11 2015, 01:50 PM

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QUOTE(cdspins @ Aug 11 2015, 01:37 PM)
Is this card difficult to apply, try to applied through a HL branch but the staff keep ushering me to get the essential. I already have the WISE btw...
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HLB Branch doesn't offer this card, if I am not mistaken.

Because MACH is a subsidiary of HLB, you need to visit MACH centers (i.e. eCurve, Midvalley/Garden) to apply for instant card approval.
It is not a super high income requirement card, easy to get approved. smile.gif
laymank
post Aug 18 2015, 04:23 PM

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QUOTE(fruitie @ Aug 18 2015, 04:08 PM)
I don't know, mine was applied in MACH Pavilion. tongue.gif
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And I, eCurve.
laymank
post Aug 19 2015, 07:48 AM

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QUOTE(Prodigenous Zee @ Aug 18 2015, 04:43 PM)
So did anyone else receive another round of RM40 Zalora vouchers today?
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received one yesterday.
so generous from HLB.
laymank
post Sep 2 2015, 08:20 AM

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QUOTE(cybpsych @ Sep 1 2015, 07:49 PM)
for Dining/trendsetter, does it give u straight 5% cashback or just 4.8%?
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where does 4.8% come from?
laymank
post Sep 2 2015, 09:39 AM

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QUOTE(cybpsych @ Sep 2 2015, 09:13 AM)
i read all the posts in this topic, noticed the cashback calculation method.... see below

i'm not sure if this behavior still the same or already been revised to proper 5%.
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Wow! I didn't even realize that.
Thanks for sharing.

My latest statement of RM115.25 dining, gave me RM6 cashback (4.8% = RM5.532, which is possibly rounded up to RM6.00).
laymank
post Sep 7 2015, 04:01 PM

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QUOTE(ShutterSnack @ Sep 7 2015, 03:56 PM)
Hi all. For MACH card can I apply during weekends at their outlets and get same day approval? Or i can only apply during weekdays?
Also, I've only started working since 4 months ago so i only have 4 months of payslip + 4 months of EPF transaction in 2015, will it be hard to get it approved?
And oya this will be my first time credit card application.

Thanks in advance guys!
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1st, if you go to the outlet with everything working fine (card embossing machine all works well, system not down, etc), should be able to get it within hours.

2nd, approval is subject to the bank. in this case, HLB. there's no sure telling if new credit holder with just 4 months working history will definitely be rejected (at least, at the kiosk, you will be able to know immediately whether your application is approved or otherwise).
laymank
post Sep 7 2015, 04:03 PM

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QUOTE(ShutterSnack @ Sep 7 2015, 04:03 PM)
I see i see thanks for the information. So i can apply on weekends too right? I mean off the usual office hours of banks which is monday to friday, 8-5
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Yup! As long as the outlet is still open.

don't la expect the outlet to stay open when you apply 5 minutes before it closes.

This post has been edited by laymank: Sep 7 2015, 04:05 PM
laymank
post Sep 7 2015, 04:15 PM

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QUOTE(ShutterSnack @ Sep 7 2015, 04:09 PM)
That's efficient!

I have one more question.
MACH card has this 8.99%p.a interest for flexi payment plan.
For example if i spend RM1000 and i would like pay over 12months, it would be RM1000 + 8.99% = RM1089.90/12 months?

What if RM1000 and i would like to pay in 18 months? how to do the calculation?
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1st card and you are already thinking about installment.

My advise is a NO NO NO.
Installments on credit card outstanding amount is very hefty and 'dangerous'. Do not spend more that what you can pay. Full stop.

When you have built up enough credit histories and learned to manage your own spending well, you can consider Balance Transfer as alternative.
As for now, please do not owe bank any money - always pay in full what you spent, OK?
laymank
post Sep 28 2015, 01:51 PM

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QUOTE(mamamia @ Sep 28 2015, 01:46 PM)
I just got my card from pavilion. But, they just give me the card without sealed envelope. Even the card yet to activate, but I don't feel secure to activate it as my credit card details with cvv number are exposed to the staff who keep my card. Is it normal that u get the new card without sealed? As the staff is also the one who submit the application for u where he knows all ur details during application including mother maiden name.
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should be ok.

CCV is used for online transactions. And you will get a PIN via SMS to your phone to verify online transaction.
Unless the staff updated your contact to his phone.
laymank
post Sep 28 2015, 04:06 PM

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QUOTE(mamamia @ Sep 28 2015, 04:02 PM)
In fact, I work in a bank IT dept n I know how fraud can be happened that's y I'm in doubt. This is not about paranoid, is the sense of security.. sweat.gif  My case is my card stuck in embossing machine last Friday when they emboss my card n I was told to collect the card after they sort out the machine. I collect the card today after they call me on Friday night when I'm not in kl..
Anyway, thanks for ur advice.
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All the more you should have online account to monitor your transactions and preferably set the alert limit to RM1.
I, too was from the same background as you. biggrin.gif

Knowledge is power and power sets you free!

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