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

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fruitie
post Jul 21 2012, 02:30 AM

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Guys, pardon my ignorance... I'm particularly only interested in the Social package.

Based on the exemplary scenarios quoted in post 1, does that mean I die die also need to choose more than 1 package? hmm.gif
fruitie
post Jul 21 2012, 01:03 PM

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QUOTE(Gen-X @ Jul 21 2012, 08:55 AM)
You need to choose 1 package when you sign up and each package has 3 categories in it. And after that you can sign up for any other category.

So say if you sign up for Social Package, you will be entitled to 10%, 2% and 3% cash back for Movies, Nightclubs and Events/Concerts categories respectively. All other transactions outside this mentioned 3 categories you only earn 0.2% cash back.

However, if you want the 5% cash back for dining, you can then add this particular category where a fee of RM5 will be charged for each calendar quarter. If you don't remove this category by end of the quarter, it will be automatically charged in the following quarter.
*
Thanks for explanation.
I'm OK with just one package as currently I don't really have a card that gives discounts for movies tickets yet. smile.gif
So, I'm just thinking to get Social package only.

I believe for dining, I still have OCBC Ti to complement and IT stuffs I usually go during weekends and to the stores that accept AmEx, I that should compensate this part.
fruitie
post Jul 22 2012, 05:10 PM

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QUOTE(jonjack88 @ Jul 22 2012, 04:58 PM)
have you applied for the card??
has anyone applied it and using it so far?
*
Not yet la, also not so clear what for go and apply now. sweat.gif
fruitie
post Jul 31 2012, 10:08 AM

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Hello all, 10% rebate for movies, only applicable if I buy from counter right?
fruitie
post Jul 31 2012, 10:16 AM

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QUOTE(ronnie @ Jul 31 2012, 10:14 AM)
Based on jonjack88 first post, it apply for Online GSC Ticketing also
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Thanks! This is cool as I always buy via online. biggrin.gif
Let's see when I'm free to go to MV and apply, else I will apply online. biggrin.gif
fruitie
post Aug 16 2012, 05:16 PM

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QUOTE(teddie @ Aug 16 2012, 04:17 PM)
applied the CC @ MV branch, got it within 10 min smile.gif
*
What are the documents needed? smile.gif 3 months payslip is sufficient?
fruitie
post Aug 16 2012, 06:04 PM

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QUOTE(teddie @ Aug 16 2012, 05:25 PM)
no need smile.gif just bring your IC will do. They have EPF machine there for you to print out
*
Fantastic! Will do so when I visit MV. smile.gif
I just need a card dedicated for movies. smile.gif

This post has been edited by fruitie: Aug 16 2012, 06:12 PM
fruitie
post Oct 20 2012, 12:29 AM

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QUOTE(PPZ @ Oct 19 2012, 02:56 PM)
just want to ask, can this card buy movie ticket online?
*
Yes. smile.gif
fruitie
post Nov 8 2013, 11:17 PM

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Geez. I also want to apply this card fast before I fly off on 20th. During my absence, I still have utilities bills to pay. sad.gif

OCBC really makes me suffer this time. laugh.gif Wanted to apply when MACH was launched but I already got OCBC Ti that time... Didn't expect after more than a year, I still need to go back to MACH. tongue.gif
fruitie
post Nov 8 2013, 11:54 PM

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So, I just choose one package from Social Package, Trendsetter Package and Savvy Package.

I think I want to pick up Savvy Package, so it comes free for Groceries and Mobile right?

Then, if I want to add Movies, I just need to pay RM 5 per quarter right?

I hope at least I got the above understandings correct before approaching MACH PCF in MV. sweat.gif

Was thinking Movies or Dining but since I dine during weekends most of the time and fortunately most of the restaurants I went so far accept AmEx. So, Movies sounds more relevant for me because I haven't had a card that gives me any benefits for movies tickets yet.

Can I add on/cancel the package only when I want it? That means, I may need it this quarter, that doesn't mean I will need it again in next quarter? unsure.gif

This post has been edited by fruitie: Nov 8 2013, 11:55 PM
fruitie
post Nov 9 2013, 12:03 AM

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QUOTE(ronnie @ Nov 8 2013, 11:57 PM)
You can switch category by paying RM5 (for 1 quarter).
You choose ONE big category : Social / Trendsetter / Savvy and option to add from other catgeories
*
Thanks, so switching to the category is flexible at any time right? It may be pro-rated based on the date I add on, this is what I read from first post.
When we choose the BIG package, all the smaller 3 categories will come effect as the same time right?
For e.g. under the umbrella of Savvy, it comes with Groceries, Health & Fitness and Mobile. So by choosing this BIG package, I get the 3 complimentary small categories.
Not to say this thing is complicated, but I feel that the more I read the more I got confused. laugh.gif

Anyway thanks, I think I'm pretty clear this time. biggrin.gif
fruitie
post Nov 9 2013, 01:46 AM

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QUOTE(tifosi @ Nov 9 2013, 01:40 AM)
Switching category AFTER you had picked your initial categories won't take effect until the next quarter. It is not pro-rated as what I understand.
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Thanks! biggrin.gif
I think I got it wrongly just now. biggrin.gif Now it is much clearer. biggrin.gif
fruitie
post Nov 30 2014, 04:27 PM

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Assuming I want Savvy package and I pay my phone bills every month via online, in addition to my gym subscription fees. So can I get the rebates as what it says in this category? I saw there's another package for online rebate. rclxub.gif

I wish it's a simpler card like my other cards. laugh.gif

This post has been edited by fruitie: Nov 30 2014, 04:28 PM
fruitie
post Dec 1 2014, 12:12 PM

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QUOTE(tifosi @ Dec 1 2014, 12:03 PM)
You should get 3% for your phone bills and 2% for your gym membership if you opt for basic Savvy package. Basic savvy package is free.

But you can opt for additional online package for RM 5 per quarter. This will gives you a 3%+1% on your phone bills if you pay the bills online.

And to cover back that RM 5 per quarter, you do need to spend RM 500 online only to break even. Not very worthy for me.
*
But if I pay my bills online or can I use MACH online banking to pay?
fruitie
post Dec 1 2014, 02:36 PM

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QUOTE(tifosi @ Dec 1 2014, 01:44 PM)
Supposed to be any transaction that flagged online will entitled for additional 1%. Doesn't need to be via the online banking.

But I didn't subscribe to that option so maybe you should double confirm with others tongue.gif
*
Sorry, quite rushing when I typed that just now.
What I meant was if I don't subscribe for the 1% online, can I still pay my phone bills via online banking and entitle for 3% (savvy package)? unsure.gif
fruitie
post Dec 1 2014, 08:42 PM

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QUOTE(tifosi @ Dec 1 2014, 03:11 PM)
Yes. smile.gif
*
Thanks for that. biggrin.gif
OK, I will try to apply one in MV this Sunday. biggrin.gif
fruitie
post Mar 8 2015, 01:32 AM

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Applied this card on Friday's evening around 8pm at Pavilion. The guy was telling me to expect the approval within 15 minutes but who knows he called me around 10 minutes after that saying HLB needs to check further on my application as I'm holding more than 3 cards. He will only know the status on Monday.

I wasn't really happy because my annual income has far exceeded 36k which allows me to hold as many cards as I like. Well, I then told him I'm no longer interested and asked to cancel my application. I shouldn't be treated as if I'm begging for this card. He tried to persuade me and even when I told him I won't be going back to Pavilion purposely for this card collection, he said will get it sent to my office.

Let's see.
fruitie
post Mar 9 2015, 01:32 AM

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QUOTE(noien @ Mar 8 2015, 05:06 PM)
my friend had more than 36k per annum but they still rejected the application.
not sure the reason but din owe any money and only hold 2 cards.
i think the 36k can have more than  2 cards is not valid anymore.
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Not valid in which sense? It is still valid and applicable to the intended group according to BNM.

QUOTE(jonjack88 @ Mar 8 2015, 09:02 PM)
It's been awhile since i reply this post.  sweat.gif

Anyways, just to give you a hint on how they process your card application
how many cards you can hold also depends on the credit limit you're currently granted.

as banks know your credit rating through CCRIS.
they will know your joint limit for all the banks combined
and there's a threshold one cannot over exceed..
credit limit would be at max around (X times) of your salary depending on your job position, tenure at work, and many other criterias

so if your friend has 2 cards but already giving him 15k credit limit together
chances are it would be harder for him to get approval than someone who has 2 credit cards with 10k limit

hope it answers your question
cheers!
*
Then I'm no longer interested in this card.
fruitie
post Mar 11 2015, 11:47 AM

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Received approval SMS yesterday and nearly forgot that I have applied one. laugh.gif I was outstation and came back on Monday.

Then, not long after the SMS came in, the agent in Pavilion also SMS-ed me that it will be delivered to my office.

This post has been edited by fruitie: Mar 11 2015, 01:35 PM
fruitie
post Mar 13 2015, 10:21 AM

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QUOTE(tifosi @ Mar 13 2015, 01:36 AM)
If you swipe above RM 50 (if I am not mistaken) for the first 45 days, you'll get a GST rebate credited back to you. But then, April is just 2 weeks plus away tongue.gif
*
I was told any amount for one swipe and I will get back the RM 50. laugh.gif

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