I'm so disappointed with HLB now. Last month I forgot to pay my bill by one day and immediately paid off with IBFT.

I just realised my latest statement today which was issued 10 days ago that I am charged with late charges for all CC and BT accounts. Total: RM 142.30.

I just called HLB about this that their policy has changed since 1st Oct and they no longer provide grace period for late payment. They used to give 4 days as confirmed by the CS. However, this communication is not shared with cardholders which I think fair because this kind of thing is for internal only.

Now I appealed for waiver as it's my first time and it cannot be done immediately until I clear off my latest statement which will due on 16th. Then only I will call back to request for waiver.

Though it's my mistake but I find this is too harsh for cardholders. I cannot recall other banks are doing this? I learnt the hard way but you all need to take note with HLB from now onward.