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Credit Cards Hong Leong Bank Wise Credit Card V2, 10% Cashback , Up to RM100 per month

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aeiou228
post May 29 2013, 08:19 AM

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QUOTE(ronnie @ May 29 2013, 07:30 AM)
My first 10% Cashback : RM99
Actual Spending to get 10% Cash back : RM986.80

aeiou228 did mention we can use the Rebate received on 28 May to offset Current Outstading Statement Balance.
But the HLB Connect website doesn't show it under Last Payment: like Maybank's

Eg.
Statement Balance for April : RM1099, (Due on 1 June)
Rebate receive : RM99
Total cash payment : RM1000
Can the above be done ?
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Rebate is an immediate credit entry on 28th of every month, therefore statement balance should be adjusted accordingly

This post has been edited by aeiou228: May 29 2013, 09:33 AM
aeiou228
post May 29 2013, 09:39 AM

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QUOTE(FK003 @ May 29 2013, 09:33 AM)
Need some advise from sifu here,

Get the Wise card on May 2, statement date May 15, i oledi make 10 trans. with RM50 each, but today oledi 29 May, why no CB yet?
Thanks notworthy.gif  notworthy.gif
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May's CB will be credited on 28th Jun.
aeiou228
post May 29 2013, 09:47 AM

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QUOTE(ronnie @ May 29 2013, 09:37 AM)
I was expecting the Rebate amount to show under
aeiou228 Did you pay less rebate for the outstanding bill amount ?
I'm weary of this as HLB likes to charge late interest when you are 1 day late.
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I didn't pay the outstanding balance. I always pay the statement balance.
I assumed the CB will reduce my monthly statement balance, No ?
aeiou228
post May 29 2013, 10:02 AM

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QUOTE(ronnie @ May 29 2013, 09:49 AM)
I always pay Statement Balance also.

For Maybankard 2 AMEX, I pay Statement Balance, minus 5% Rebate received

Do you pay HLB Wise Statement Balance, minus 10% Rebate received ?
What's your statement date ?
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Oh ! now I see your point.
My statement date is on end of month, thus my statement balance always discounted by the CB on 28th.

Your question was if the statement date is 20th May, can you minus in advance the CB credited on 28th May ??
My guess is if you pay a shortfall amount against the statement balance, you will kena penalty. (to be confirmed though)
For statement date 20th May, your statement balance already minus off the CB credited on 28th Apr.



aeiou228
post May 31 2013, 03:41 PM

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QUOTE(chrisoth80 @ May 31 2013, 03:27 PM)
sorry bro my mistake didn't state it clearly .. what I mean is that I pay the digi & maxis bill using respective online pay system will entitled for CB rite because Mobile category is included as an additional
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Maxis confirmed can get CB. As for Digi, I don't know but should be able to get CB like Maxis.
aeiou228
post May 31 2013, 10:08 PM

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QUOTE(bluelion @ May 31 2013, 09:21 PM)
last mth statement i swipe more than 10times >RM50 but only 8 times on my selected category. This mth statement came, i didnt get any cash rebate.

So i called customer service. he told me i didnt get it coz i didnt swipe 10times >rm50 "on my selected cash back categories" so i wont get any cash rebate.

He say its stated in the internet that you have to "swipe 10 times with min of RM50 per transaction on your selected cash back categories to activate the 10% cash back"

I've double confirm with the sales exe before i sign up and called to customer service before to check too... that time they say any transaction as long as its 10 times and >Rm50. and i've called 2nd time to check is it >RM50 or =>RM50 the answer i get is RM50 also consider valid.. but now they say different...really feel like kena CONs

correct me if i'm wrong, but if i'm right, why i didnt get my cash rebate...
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The is no way to tell you why just by your words above.
You post photos of your statements (last month and this month) la, easy for us to point out where went wrong.
No suchTnC of you must swipe 10x > RM50 to ACTIVATE CB for the first time. Pls provide the link if customer service said it was published in the public domain.

aeiou228
post Jun 1 2013, 08:22 AM

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QUOTE(eddievh @ Jun 1 2013, 02:37 AM)
Wise card expert,could anyone of you please explain this calender month vs statement date things. This calender month thing seems to be quite confusing for me.
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Calendar month means Jan feb mar ......
Statement date means the date of a statement from 1st to 31st in a calendar month where the system generate the statement and mail it to you.

10x >rm50 transactions must be posted in a calendar month in order to earn the monthly CB, irrespective of your statement date.

This post has been edited by aeiou228: Jun 1 2013, 08:24 AM
aeiou228
post Jun 1 2013, 09:53 AM

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QUOTE(eddievh @ Jun 1 2013, 09:18 AM)
I see this HL style the average day differences between transaction day and posted day is 2 days,so if we swipe 10X>Rm50 but only 9 times manage to enter statement date period we still got risk kena con la?
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The 2 days delay from tranx date to posting date is normal. Whatever tranx not posted this calender month will still be taken up next calendar month. Some small time merchant never do settlement everyday, thus the posting date can be longer. So no con la.

This post has been edited by aeiou228: Jun 1 2013, 09:54 AM
aeiou228
post Jun 1 2013, 11:22 AM

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QUOTE(ronnie @ Jun 1 2013, 10:11 AM)
aeiou228 Did you get your April's last transaction rebate carry forward to May ?
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I didn't check My April's statement but i did have month end tranx brought forward to the next calendar month previously. I usually hit > x10 after mid month ( to max up the rm100, definitely have to be more than 10x) so the carry forward thing doesn't really matter to me.
aeiou228
post Jun 1 2013, 12:37 PM

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QUOTE(ronnie @ Jun 1 2013, 11:41 AM)
We are not talking about number of transactions.
Let's say we swipe on 30 April 2013 and posted on 2 May 2013 (achieved the 10 transactions by 15 April), would the 30th April rebate be under May 2013 calculation or burnt ?
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Ah....now only you talk what you meant. laugh.gif
I didn't check thoroughly. But every month I get full CB and it tallies with the total amount spent in previous month. So I believe you will certainly get the CB for those brought forward tranx.
aeiou228
post Jun 2 2013, 02:00 PM

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QUOTE(bluelion @ Jun 2 2013, 12:18 PM)
Bro, my category is mobile, petrol and groceries.
Bro, not  swipe 10x > RM50 to ACTIVATE CB for the first time its swipe 10x > RM50 on ur selected categories to get 10% rebate. Snap photo liao...

[attachmentid=3467429]
April

[attachmentid=3467433]
May

can all sifu please point out where went wrong? Thanks
All 11swipes =>RM50 in 1 mth statement.
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Lol...! as suspected. Your April CB will only be paid on 28th May. Check you online statement now, it's in already.

Btw, your 14 April BHP petrol not counted in CB, you swiped the card at the cashier?

This post has been edited by aeiou228: Jun 2 2013, 02:06 PM
aeiou228
post Jun 7 2013, 03:53 PM

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QUOTE(ronnie @ Jun 7 2013, 12:03 AM)
When I tried to pay Maxis Home Fibre via Maxis Broadband portal it shows the merchant name as "Maxis W Broad". I wonder will it be counted under Mobile ?
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Yes, under Mobile. got 10% for sure.
aeiou228
post Jun 8 2013, 09:44 PM

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I did an online RM10 credit top up via YES 4G portal and paid by WISE card. To my surprise, the payment went thru successfully without SMS TAC authorization. Is it because the amount is too negligible ??
I paid Maxis bill online recently, SMS TAC authorization was required.

aeiou228
post Jun 10 2013, 08:09 AM

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QUOTE(ronnie @ Jun 8 2013, 11:02 PM)
Maybe the YES portal doesn't use Verified By Visa service ?
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I guess so.

QUOTE(sweetpea123 @ Jun 10 2013, 02:48 AM)
Hong Leong  oh Hong Leong. Why do you have to make it SO CONFUSING for your customers? Like life isnt complicated enough already. The rebates I am getting might be enough to colour my grey hairs. So I guess I will be sticking with MBB2 AMEX and OCBC Tits. More straightforward and easier to understand. Good luck Wise Card !
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It is confusing indeed. This is how HLB cover the loss from the 10% CB payout.
CB saved from the confused card members to cover the CB payout to the WISEr card members.

aeiou228
post Jun 10 2013, 06:00 PM

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QUOTE(herc @ Jun 10 2013, 04:54 PM)
Have anyone try to pay via TNB Kiosk and get the rebate? The transaction shows as 'TNB Kiosk ....' in my MBB statement, so I assumed its from TNB and not 3rd party merchant.
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TNB Kiosk sounds ok for 10% CB. To confirm, you try pay RM50 first la then report your findings here.
Haven't come across any one from here opted utility category yet. So can't offer you any credible answer.

BTW, I thought the kiosk uses barred code scanner and you can't manipulate the RM50 payment splittings trick?
aeiou228
post Jun 11 2013, 06:14 PM

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QUOTE(herc @ Jun 11 2013, 04:22 PM)
There is barcode scanner and manual input option too, where you can input any amount you want to pay, capped at daily RM1,500, AMEX accepted.

I just sent my application not long ago and haven't got my card yet.

If the kiosk works for Wise card, then it would be easier to meet the requirement, just RM100x10 will do smile.gif

Will update once I get the card then, or hopefully someone can test so I don't need to be the white rat
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I guess you must be paying commercial TNB bill then. Not bad for a mere 15min work at TNB kiosk to earn RM100. HLB sure rugi big time. haha !
Update this forum once you successfully earn the RM100 easy money in 15min.
aeiou228
post Jun 13 2013, 11:34 PM

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QUOTE(echoesian @ Jun 13 2013, 10:55 PM)
Let's say my maxis bill with RM200, can I make the payment by splitting it into 4 transactions within few minutes time? Would HLB consider this as 1 transaction since it is done within a short period of time?
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Yes, u surely can split it regardless of timing.
aeiou228
post Jun 18 2013, 12:35 PM

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QUOTE(notok @ Jun 18 2013, 12:09 PM)
have a suggestion here,  how about TS add in the poll in this topic to see which combination of cash back categories is the most popular
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Different age group, lifestyle, profession have different liking. E.g. A family man would definitely choose grocery and petrol, whereas a single young female working class without car will stay away from grocery and petrol.
Anyway, grocery and petrol are the 2 easiest categories where card members can manipulate the 10x >RM50 tranx.
aeiou228
post Jun 18 2013, 02:04 PM

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QUOTE(zr125 @ Jun 18 2013, 12:57 PM)
tm-fixed lines no rebate? are you sure?

how about astro? also no rebate?
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Check the 1st post if you want to be sure.
aeiou228
post Jun 19 2013, 02:43 PM

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QUOTE(leongwk15 @ Jun 19 2013, 02:13 PM)
I have just received my new Hong Leong Card and wanted to purchase the Ipad Mini promo RM655.00. It stated that I should receive a SMS with a unique log in ID and password to be used for purchasing in the Hong Leong Connect. Until to date, I have not receive that SMS.

Did anyone new credit card holder apply and purchased the Ipad Mini from Hong Leong Connect? Please share how and what need to do to purchase the Ipad Mini?

Thanks
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I think it the iPAD is not a guarantee purchase right ? There is a limit of 300 units up for grab if I'm not mistaken.

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