Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Hong Leong Bank Wise Credit Card V2, 10% Cashback , Up to RM100 per month
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 Nov 12 2013, 11:11 PM
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Senior Member
3,904 posts Joined: Jul 2007 
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QUOTE(ronnie @ Nov 12 2013, 10:53 PM) Maybe HQ is more strict on the documentation.... manage to get it with 1 hour approval?I went to HLB Midvalley and it only requires photocopy MyKad + EPF Statement  |
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Nov 12 2013, 11:32 PM
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All Stars
21,309 posts Joined: Jan 2003 From: Kuala Lumpur  
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QUOTE(lamode @ Nov 12 2013, 11:11 PM) manage to get it with 1 hour approval? HLB doesn't have 1 hour approval... you are referring to HLB MACH, right ? |
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Nov 12 2013, 11:33 PM
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Senior Member
3,904 posts Joined: Jul 2007
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QUOTE(ronnie @ Nov 12 2013, 11:32 PM) HLB doesn't have 1 hour approval... you are referring to HLB MACH, right ? huh.. aren't they the same?i tot only one HLB in MV?  This post has been edited by lamode: Nov 12 2013, 11:34 PM |
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Nov 12 2013, 11:34 PM
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All Stars
21,309 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(lamode @ Nov 12 2013, 11:33 PM) huh.. aren't they the same? MACH Banking by HLB is different sector of HLB |
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Nov 12 2013, 11:41 PM
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Senior Member
3,904 posts Joined: Jul 2007
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QUOTE(ronnie @ Nov 12 2013, 11:34 PM) MACH Banking by HLB is different sector of HLB so there are two HLB in MV?roughly where is the one for wisecard application located? |
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Nov 12 2013, 11:45 PM
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All Stars
21,309 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(lamode @ Nov 12 2013, 11:41 PM) so there are two HLB in MV? HLB Midvalley is at Signature Office arearoughly where is the one for wisecard application located? http://4sq.com/N5oosp Business Hour :: Saturday & Sunday (10am - 6pm) Monday - Friday (10am - 8pm) E-Banking 24 hours This post has been edited by ronnie: Nov 12 2013, 11:46 PM |
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Nov 12 2013, 11:55 PM
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Senior Member
3,904 posts Joined: Jul 2007
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QUOTE(ronnie @ Nov 12 2013, 11:45 PM) HLB Midvalley is at Signature Office area thanks, i wish there was a like button i can press.http://4sq.com/N5oosp Business Hour :: Saturday & Sunday (10am - 6pm) Monday - Friday (10am - 8pm) E-Banking 24 hours will drop by to apply as replacement for OCBC TI. |
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Nov 13 2013, 07:43 AM
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Senior Member
1,035 posts Joined: May 2010
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QUOTE(aeiou228 @ Nov 12 2013, 11:04 AM) This is how HLB trap the card members and reduce the effective CB pay out %. The only way to achieve 10% rebate is to spend rm1k spread to more then 10 transactions in the selected category. But how many of us can do that ? Only LYN WISE card thread forumers can. Not all card members bother to calculate the actual effective CB and think HLB giving 10% is 'true' 10% and may not be sustainable. Notes taken. Thanks. Now I need to reevaluate my spending pattern. Just wondering, were you able to maximise your 10% CB every month? After you max out your WISE, what CC is next in line for you to earn more CB?On average, it should be far less than 10% due to non fulfillment of 10 x >Rm50 condition and card member spend more than rm1k. |
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Nov 13 2013, 09:30 AM
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Senior Member
5,867 posts Joined: Feb 2006
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QUOTE(HJebat @ Nov 13 2013, 07:43 AM) Notes taken. Thanks. Now I need to reevaluate my spending pattern. Just wondering, were you able to maximise your 10% CB every month? After you max out your WISE, what CC is next in line for you to earn more CB? No problem maxing out the CB with the current inflation rate in Malaysia.  Next in line is Mbb Amex @ 5%+2% then Citibank CB Plat @ 5% or 2% then OCBC Ti @ 1%. |
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Nov 13 2013, 09:33 AM
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Senior Member
1,894 posts Joined: Nov 2009
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i got debts in citibank cc, should i do balance transfer to hlbank t o reduce interest?
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Nov 13 2013, 11:47 AM
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Senior Member
1,894 posts Joined: Nov 2009
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QUOTE(smsbusiness2u @ Nov 13 2013, 12:11 PM)  u can transfer balance to cc with lower or 0% interest Refer to below. https://forum.lowyat.net/topic/2275275/+1480 Note: pls take note it is no good to transfer balance and possible to pay it whenever u have money ya see now my card interst is 10 percent i balance transfer become half liao interest right? |
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Nov 13 2013, 12:11 PM
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All Stars
18,415 posts Joined: Oct 2010
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QUOTE(aeiou228 @ Nov 12 2013, 12:25 AM) Tesco has Caring pharmacy inside. Prepaid soft pins are sold at the cashier. So grocery is actually 3 in 1 category. What is the Prepaid soft pins? Prepaid Phone topup?Guardian can not. |
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Nov 13 2013, 12:17 PM
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Senior Member
1,894 posts Joined: Nov 2009
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QUOTE(smsbusiness2u @ Nov 13 2013, 12:55 PM) you refer to balance transfer to hlb cc? what is the rate u refering? totally tak paham, i lack knowledge in this wor... so interet is zero? if i settle within zero interst time then how their earn money?u can see the promotion rate as below. http://www.hlb.com.my/promo/pfs/loan_pl_fu...dex.jsp?s=promo May be u can opt for 0% interest for other cc |
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Nov 13 2013, 12:30 PM
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All Stars
18,415 posts Joined: Oct 2010
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QUOTE(ck_boon @ Nov 13 2013, 12:17 PM) totally tak paham, i lack knowledge in this wor... so interet is zero? if i settle within zero interst time then how their earn money? Hoping that one day you are unable to fully pay up the accumulated debt hence making from high interest. |
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Nov 13 2013, 12:52 PM
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Senior Member
2,006 posts Joined: May 2011
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anybody found problem when pay maxis bill via Maxis Pay with Wise Card? the OTP keep failed sent to my HP... |
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Nov 13 2013, 01:15 PM
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All Stars
21,309 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(propusers @ Nov 13 2013, 12:52 PM) anybody found problem when pay maxis bill via Maxis Pay with Wise Card? Which Telco are you using ? What phone are you using ? the OTP is not via SMSthe OTP keep failed sent to my HP... |
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Nov 13 2013, 01:18 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(propusers @ Nov 13 2013, 12:52 PM) anybody found problem when pay maxis bill via Maxis Pay with Wise Card? No issue for me.the OTP keep failed sent to my HP... You probably want to visit the bank to re-register your phone number. |
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Nov 13 2013, 01:22 PM
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(propusers @ Nov 13 2013, 12:52 PM) anybody found problem when pay maxis bill via Maxis Pay with Wise Card? No issue for me. Do note that the OTP do not send by sms. U sometimes need to unlock ur phone and it would appear like a message. Happens to my Samsung note2.the OTP keep failed sent to my HP... |
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Nov 13 2013, 02:18 PM
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Junior Member
43 posts Joined: Feb 2008
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Hi, planning to switch from OCBC titanium to Wise Card.
Other than spending minimum of RM 50 for 10 transactions per month, any other requirements that I may have missed out to ejoy the 10% cash rebate? I saw someone stated that we need to spend RM 1k per month? Is that true? This post has been edited by jimmytee86: Nov 13 2013, 02:18 PM |
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Nov 13 2013, 02:26 PM
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Senior Member
5,867 posts Joined: Feb 2006
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QUOTE(jimmytee86 @ Nov 13 2013, 02:18 PM) Hi, planning to switch from OCBC titanium to Wise Card. 10x > rm50 to qualify. That is all.Other than spending minimum of RM 50 for 10 transactions per month, any other requirements that I may have missed out to ejoy the 10% cash rebate? I saw someone stated that we need to spend RM 1k per month? Is that true? |
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