guess what, it's already approved by HLB gonna wait till it posted in HLB Connect.

nope, i was holding off to retry another payment until this unconfirmed transactions got rejected by HLB.

so far, still safe for me.

yalor, dont know what was the rejection by payonline (1st split payment went thru, made another 2nd split payment was rejected) and floating by HLB. probably they suspected fraud or whatnot.

Pharmacies

Refer this HLB Wise T&Cs

call CS to change bill date. no option to change in HLB Connect.

for my case, CS told me need to wait about 1 week for the system to "register" my billing account.

i've tried local grocery, Jaya Grocer. Called HLB roughly 30mins after swipe, they gave me the MCC immediately.

overseas merchants, no idea.

received 2nd statement liao.

can reconfirm DiGi and Celcom @ payonline are both under Mobile category. U Mobile @ its own Self Care is also under Mobile category.

PAYONLINE-CELCOM KUALA LUMPUR MY - MOBILE
PAYONLINE-DIGI COMM SHAH ALAM(F/CMY - MOBILE
U-MOBILE KUALA LUMPUR MY - MOBILE

most popular question is when getting the cashback?

teka jer. either this or the AF waiver kot.

probably post #1 need to specify BIG BIG that there is no fixed AF waiver policy, except some special circumstances (per customer review basis)

after saw this question popped up, i called my Maybank to ask for the MCC assigned to Brussels Cafe @ Jaya One.

Confirmed 5813.

So?

I swiped amex at Brussels. Since the guys were wondering about MCC here, I asked Maybank for it.

chill la bro.

my Wise covers Groceries and Petrol only nia. as others said b4, using Wise on non-selected category is unWise

I rarely go dining and knowing F&B MCC assignment is a mess/unconforming to actual business nature. Dining 'trap' category is literally useless for me

so why didnt you just cancel the card?

Well u have ur rights to complaint. Not my place to judge u.

I'm still in trial & error stage to test out my frequently-visited merchants.

If i encounter one questionable merchant, i'd just blacklist the merchant lor. There are many options out there.

Stay calm and continue reaping the cashback, wisely.

just curious: the other transaction not getting cashback, did you ask HLB what is the MCC associated with that transaction?

possibly tied to Pharmacy category

no issue with my Wise for 1st time payonline use/

1st payment to digi, approved -- 1st time using payonline.
2nd payment to celcom, approved
3rd payment to celcom, unable to process (no TAC) -- rejected by HLB (but captured in the system)
4th payment to celcom (retry), not approved -- rejected by payonline but captured by HLB (unclaimed, floating)
5th payment to celcom (retry), approved -- purposely waited for 7 days later to confirm unclaimed transaction is auto-rejected by HLB.

It seems the "Not Approved" is subjective. No idea why payonline rejected it (almost immediately). The transaction went thru to HLB, captured in the system as floating transaction. From CS' explanation, merchant (payonline) need to claim it first, then only posted to my Wise account. If not claimed within 7 days, that floating transaction will be auto-rejected (CS said 'refunded' back to me).

after 7 days, finally payonline didnt claim from HLB since they already rejected (Not Approve) it at the first place.

i guess this is the internal/system processes between payoline <-> HLB (presumably same with other banks).

This post has been edited by cybpsych: Aug 17 2014, 04:35 PM

as a general rule for credit card payment: ALWAYS pay before or on statement due date.

dont know why you were waiting for the rebate because most new card enrolment rebate will be given 1-2 months after approval (12/6). Your GST charged on 12/6 (approval date) and the rebate was credited back to you on 31/7. that's normal.

FYI: My approval was on 26/6, GST charged on 26/6, 1st bill on 12/7 (due date on 1/8), made payment for the GST only on 29/7 (1st time paying, so didnt wait till 1/8), later gotten rebate on 30/7 (will be used to reduce my Aug bill instead).

since this is new card for you and your first time paying, try calling CS to waive the LPC/FC.

This post has been edited by cybpsych: Aug 18 2014, 09:13 AM

the bolded above, same as mine, although it happened on my 3rd payment.

now i probably give some buffer time between each payments.

p/s: I've tried payonline in the evening 7:30pm, it seems it will be "batched" for next morning processing about 9am.


your gsc/wise advice from HLB, interesting indeed seems like Wise was inactive while GSC was activated. just guessing.

that's what i'm thinking before getting Wise.

previously was only holding mbb2cards. Amex's 5% cashback + 5X TP (2%), is just barely enough to cover upcoming 6% GST on taxable goods & services (assuming selling price increase 6%, however, by right shouldnt be as high as 6%).

try to enjoy Wise's 10% while it lasts.

call CS and ask them why not allowed for Maxis bill payment via Maxis Pay, etc.

probably they need to do *something* to allow your card for transaction; which doesnt make sense but no harm trying anyway