QUOTE(cempedaklife @ Sep 10 2013, 12:19 AM)
was thinking to apply this credit card once i tot of doing this:
eg: phone bill, rm160, pay 3 times rm50 (in order to be able to swipe 10x per month, else i cant reach it)
does this work?
however, got put off when i see that annual fee cannot be waived, izzit true?

You can split mobile phone bill payments >RM50 each time.... I suggest to pay different payment each month to "confuse" any system to track "split payments"
Eg. Payment is RM160
1st month : RM50, RM56, RM54
2nd month : RM51, RM57, RM52
:
:
No one has reached 1-year anniverssary with the HLB WISE card... thus no comment.
Generally the CS said NO.... then I'll say cancel it.