means no extra free gift from hlb...

well, good for new signup (although a bit stringent) and use within 1 year prior to next AF kicked in, considering 2nd year AF waiver is non-existence.

There are no any retention action for active users who wanna cancel this card?

so far, only tbheng managed to waive the AF

https://forum.lowyat.net/index.php?showtopi...post&p=66917045

Salute!! Is it because of high spending? Or there are other factors which affect CS's consideration?

The factors might include high spending value, high transaction volume, high overseas usage, high usage outside your category, being a good paymaster, have paid a significant amount of finance charge etc... But still overall the answer is only known to CS and we could only speculate. I have been contemplating to cancel my wise card because of this issue but i decided against canceling it for the time being .

Wanna ask if it is ok to pay Maxis bill using MaxisPay twice in a day? Counted as 2 transactions right if each RM50 above?

yes, no problem...

just went to HLB to apply then i double confirm about this matter and the officer said that the sup card can contribute to the 10x >rm50 but sup card not entitled to the 10% rebate (such a turn off). that's y they don't advise applicants to go for sup card. instead go for the combo card.

and also regarding the annual fee waiver, it's stated in the application form that we need to have a minimum 12 transactions then they can do a waiver for the subsequent years.

when i was in MV the sales ppl only needed the applicant's EPF statement but they bank wants income tax, bank statement bla bla bla....then i pointed out about the application procedure in MV event then the officer said that's y most of the time will get rejected due to lack of supporting documents. (i wanted to show bank records of citibank, she said now they don't accept anymore )

BTW can anyone explain the combo GSC card free tix to me? the officer was trying to confuse me..i thought it would be straight up buy 1 tix online and free another tix for the same movie at the same time?

Spending more than RM1k using WISE card is very UN-WISE. Effectively reduce the CB %. Most people max up the monthly RM100 CB cap and proceeded to use other CC for additional spending. Unless the card holder has only WISE card or failed his math.
So the question of AF waiver due to high spending doesn't arise.

Not only supp card contribute to 10x transactions count, it also entitled to the 10% CB for the qualifying category but CB earned by supp card will be credited to the principal account.

Can you read again ? I think the 12 times transactions for AF waiver was not meant for WISE card.

You may want to avoid GSC combo at all cost. Observe the total annual fee and check if you can get waived next year.

Thanks bro

Buy online every thursday for movies within 7 days of purchase. Buy 1 free 1. only eligible for normal tickets iirc. GSC card has its AF waived provide you swipe 10 times per year bare minimum irrc.

It has RM60 bonus in it. So after you finish the RM60 everytime you buy ticket ( within 2 months? ), youir buy 1 free 1 will have (5-10?)% discount, also, you get (5-10?)% discount at the GSC counter for F n B.

More accurate details you need to check with the SA.

I personally feel if you don't watch movie that often, the card is pretty much useless.

You are right, for spending above 1k this is the worst card around! Not that i wanna 'kutuk' but at least HLB should at least give us points for that sort of transaction. BTW i have refer to HLB CC app form. Subsequent year AF is NOT applicable to Wise CC .There is no AF waiver for 12 trnx made in 1 year.

seems like hlb cs themselves also don't understand wise card features and t&c...

for application can check my previous post. telesales/marketing are much better or maybe my lucky day.

for GSC,

the only CC allowed buy online (buy 1 free 1)

buy 1 free 1, only applicable when u buy online thursday onwards 0001am. recommend buy during this hour. is limited to 1000pcs so first come first serve. early this year wanted to dispose card after the promo end buy 1 free 1. lucky the renew another term until 29JAN2015

http://www.gsc.com.my/Promotions/Current-P...y/PromoDetails/

next use visa wave

you can also make use of this, but must buy over counter.
http://www.gsc.com.my/Promotions/Current-P...y/PromoDetails/

in that week, theoretically u can redeem 5 (two over online & three over the counter)

now they open to HSBC, time to fully utilize HSBC

http://www.gsc.com.my/Promotions/Current-P...n/PromoDetails/

GSC is getting aw3som3

received sms, hlb visa credit card entitle 12% off every wednesday book from www.agoda.com/visawedmy ends 4JUN.

I believe any VISA will get 12% from that URL.

applied again at midvalley after being rejected 2 times... im still curious the reason being rejected before because my payment records for loans and other credit cards are clean

wanted to ask if i reload my touch and go at jaya shopping mall or petrol station, will be under which category?

thanks

petrol station under petrol category is only if you use at the pump.