Read properly on my puntuations and know which thread you are in... don't confuse.

Hmmm, I thought you did get RM99 CB for June?
It is true that the delay posting dates do affect our following month spending.
Actually, what I did was using Maxis Easy pay as adjustment. Since I have extra credit with Maxis (over paid with 10% CB), hence I can choose not to pay Maxis if my current month CB has been max out by other categories.

I find this overpayment to payees (Maxis here, and Unifi & TNB for my Amex case) have 3 benefits:
1. Gain 10% CB (and ~7.5% for Amex) which is higher than 3% FD if I keep my cash in the bank
2. Can skip paying the payees if I have max out my CB for certain months (like year end sales, unexpected hospital bill, etc)
3. I can pay any time (no worry of line being cut), like near month end instead of bill due date (since my acct is already in credit) after assessing my CB amount.

It is easy to do:
- Max the CB : Pay any amount (Maxis is RM30 min)
- Convenient: Pay via internet at home at night
- Consistent posting date: Maxis take 2-3 day to post (Unifi and TNB post on the same day)

This works for me as I notice my spendings are seasonal and not consistent over the months/years. Just my findings and sharing.

This post has been edited by tbheng: Jul 30 2013, 07:20 AM

I received RM99... I expected RM100 because a RM25 AEON transaction was posted after 3 days (28 June -> 1 July)

Why furious ? Posted in the following month more untung wat. If posted in transaction month, you cash back RM1 only compare to If posted in the following month, you cash back RM2.50.

Because July's rebate already OVER LIMIT.
Aiming for the Hot Deals items later

Haha..!! me too. swipe RM600 insurance premium (no CB ) to help achieve the RM1.5k spending requirement in July.

Another competitor to the Hot Deals

Don't la like that. Give chance la. I was thinking instead of charging the RM600 insurance premium to OCBC Ti and earn RM6 CB, I might as well use the RM6 to buy a chance of Hot Deal here.

Hello, guys. Just wandering around this corner to see how HL credit card is like. Seems like it's quite good in the sense that you can achieve up to RM100 cash back if we spend on those specific categories. But there seem to be some downsides to it, such as minimum number of swipes...
Generally, do you think this card is good to go hand-in-hand with OCBC card? Thanks.

compare apple to apple ?

10% on dining
10% on petrol
10% on mobile bill

win d

Yes... Now my OCBC Titanium "downgraded" and becomes secondary to this HLB WISE

Haha.. I thought I recommended WISE card to you some time ago but unfortunately you are not a big fan of HLB ??
A free gadget worth RM1200 every year complimentary from HLB, why not ?
10 swipes can be achieved easily if your mobile, petrol and grocery expenditures exceeds RM1k per month. Who doesn't ??
This is a must have cash back card but approval is pretty stringent.

This post has been edited by aeiou228: Jul 30 2013, 11:48 PM

+1
Why do you say it's stringent in approval ?

Well, I saw some applications rejected in this thread due to unable to verify contact numbers.

If direct comparison like this, memang HLB win hands down.

Mmm, thanks for this.

Haha, yes...I think you did, must be you. Back then I did some rough estimation and I forgot why I disliked the card
Maybe now I can reconsider about getting it... Any new promos, haha

Same here. Wise is now on top in my wallet. Seconded by Amex and then OCBC Ti and then Aeon Watami.

Not longer ago there was a promo where new to card customer get to buy ipad mini at rm599. Not sure still valid or not.

EPKCIMB Visa <- thats what I got when swipe at Queensbay Mall's Maxis, Penang's Kiosk. Anyone tried and got CB? I feel insecure when I saw the CIMB word there...

what can aeon watami do?

do find out at Aeon cards dedicated threads around here