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Credit Cards Hong Leong Bank Wise Credit Card V3, 10% Cashback , Up to RM100 per month
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SUSsupersound
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Mar 26 2014, 05:12 PM
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QUOTE(roger roger @ Mar 26 2014, 02:37 PM) not stupid, should be "more wise". its a marketing gimmick. You are like implying HLB stupid for giving 10% rebate while other only giving 5%. By the way, if you work with banks, banks dont earn their profit from the 2% or 3% of merchant charges. Those are just merely handling charges. Do remember, once you apply this new HLB card, they give you waiver of GST and free tower fan. So you are thinking they recover from the merchant charges only? No way. Their big chunks of profit is from the 18% pa late payment penalty. They dont issue card just they way you stated above. I surprise to see this reply nowaday. If not mistaken, when you don't clear the amount due, you are not entitled for rebet.
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SUSsupersound
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Mar 26 2014, 05:15 PM
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QUOTE(bluebay @ Mar 26 2014, 03:58 PM) "3. How do I earn the 10% cash back? Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories." I don't think I can swipe 10 times per month.. Not wise for me to apply eh? Help your neighbor to buy some groceries should able to hit the limit.
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DarReNz
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Mar 26 2014, 08:00 PM
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QUOTE(roger roger @ Mar 26 2014, 12:09 PM) From 1st march until 15 march already fully utilize the cash back quota for my wise. Hope HLB wise can increase the capping to encourage more spending I exceeded the quota by rm 40 forgot some transaction last month posted on this month
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CP88
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Mar 26 2014, 08:07 PM
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QUOTE(ronnie @ Mar 26 2014, 11:18 AM) I just realized after HLB's "upgrade" on 20-21 March, the SMS transaction alert went to my old number instead. Very very strange Bro ronnie, Did you manage to set RM1 as the default sms slert?
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kelvinlzy
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Mar 26 2014, 08:15 PM
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QUOTE(CP88 @ Mar 26 2014, 08:07 PM) Bro ronnie, Did you manage to set RM1 as the default sms slert?  Mine is set to RM1. Just swiped RM5 today and received it.
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CP88
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Mar 26 2014, 08:22 PM
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QUOTE(kelvinlzy @ Mar 26 2014, 08:15 PM) Mine is set to RM1. Just swiped RM5 today and received it.  Guess I'll need to call CS.
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CP88
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Mar 26 2014, 08:28 PM
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QUOTE(victorywp @ Mar 23 2014, 11:21 PM) means at least they allow you to set at rm100? mine they said need to follow default and cannot change anything as it's hlb policy. asked what's the default they can't answer. i did asked why other banks can set to rm1 but hlb can't change and don't know what's the default? he just reply hlb is hlb, other banks are other banks. hlb has own policy to follow. You should have taken the CS name n report to HL. Such a rude and incompetence CS.
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kelvinlzy
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Mar 26 2014, 08:34 PM
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QUOTE(CP88 @ Mar 26 2014, 08:22 PM) Guess I'll need to call CS.  I went to HLB branch and filled up the sms alert form. Waited for 3 working days and it's set.
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victorywp
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Mar 26 2014, 09:31 PM
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QUOTE(CP88 @ Mar 26 2014, 08:28 PM) You should have taken the CS name n report to HL. Such a rude and incompetence CS.  yeah, sounds like he himself doesn't know that hlb allow sms alert to be set to rm1 by filling a form.
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guy3288
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Mar 27 2014, 09:16 AM
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Has anyone experienced fraudulent charges to his Wise card? I had it yesterday, received SMS at 14.49hr saying my Card was debited RM200 at Petrol Station (at my regular kiosk).
First i thought it could be some late SMS for my last transaction. My last usage was 21.3.2014 as I had achieved my target Cash Rebate RM100 for the month. So the card was in my drawer since then.
But when i called up the CS at 1930 hr, i was shocked to know that my card was 'used' at that kiosk yesterday. How much the amount she doesnt know as need a few days to see in on screen.
Now all the hassle, cancel the card and get new replacement, sigh.......hopefully no charges to me, no new GST no AF and cancel the fraudulent charges..
so watch out guys, the SMS alert is not to be taken lightly!
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victorywp
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Mar 27 2014, 10:13 AM
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QUOTE(guy3288 @ Mar 27 2014, 09:16 AM) Has anyone experienced fraudulent charges to his Wise card? I had it yesterday, received SMS at 14.49hr saying my Card was debited RM200 at Petrol Station (at my regular kiosk). First i thought it could be some late SMS for my last transaction. My last usage was 21.3.2014 as I had achieved my target Cash Rebate RM100 for the month. So the card was in my drawer since then. But when i called up the CS at 1930 hr, i was shocked to know that my card was 'used' at that kiosk yesterday. How much the amount she doesnt know as need a few days to see in on screen. Now all the hassle, cancel the card and get new replacement, sigh.......hopefully no charges to me, no new GST no AF and cancel the fraudulent charges.. so watch out guys, the SMS alert is not to be taken lightly! 1) did you use your cc at the cashier or at the pump? 2) do anyone in your house has the access to your drawer? This post has been edited by victorywp: Mar 27 2014, 11:00 AM
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aeiou228
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Mar 27 2014, 10:17 AM
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QUOTE(guy3288 @ Mar 27 2014, 09:16 AM) Has anyone experienced fraudulent charges to his Wise card? I had it yesterday, received SMS at 14.49hr saying my Card was debited RM200 at Petrol Station (at my regular kiosk). First i thought it could be some late SMS for my last transaction. My last usage was 21.3.2014 as I had achieved my target Cash Rebate RM100 for the month. So the card was in my drawer since then. But when i called up the CS at 1930 hr, i was shocked to know that my card was 'used' at that kiosk yesterday. How much the amount she doesnt know as need a few days to see in on screen. Now all the hassle, cancel the card and get new replacement, sigh.......hopefully no charges to me, no new GST no AF and cancel the fraudulent charges.. so watch out guys, the SMS alert is not to be taken lightly! Wow! Sounds like a duplicated card. Pls check your past transactions if any of the charges you made, the card was taken out of your sigh ? Eg. Paying a restaurant bill ?
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SUSsupersound
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Mar 27 2014, 12:14 PM
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QUOTE(guy3288 @ Mar 27 2014, 09:16 AM) Has anyone experienced fraudulent charges to his Wise card? I had it yesterday, received SMS at 14.49hr saying my Card was debited RM200 at Petrol Station (at my regular kiosk). First i thought it could be some late SMS for my last transaction. My last usage was 21.3.2014 as I had achieved my target Cash Rebate RM100 for the month. So the card was in my drawer since then. But when i called up the CS at 1930 hr, i was shocked to know that my card was 'used' at that kiosk yesterday. How much the amount she doesnt know as need a few days to see in on screen. Now all the hassle, cancel the card and get new replacement, sigh.......hopefully no charges to me, no new GST no AF and cancel the fraudulent charges.. so watch out guys, the SMS alert is not to be taken lightly! The card shall be following you like your IC and license. Or is it someone you know use your card?
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Like a Bause
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Mar 27 2014, 12:40 PM
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QUOTE(guy3288 @ Mar 27 2014, 09:16 AM) Has anyone experienced fraudulent charges to his Wise card? I had it yesterday, received SMS at 14.49hr saying my Card was debited RM200 at Petrol Station (at my regular kiosk). First i thought it could be some late SMS for my last transaction. My last usage was 21.3.2014 as I had achieved my target Cash Rebate RM100 for the month. So the card was in my drawer since then. But when i called up the CS at 1930 hr, i was shocked to know that my card was 'used' at that kiosk yesterday. How much the amount she doesnt know as need a few days to see in on screen. Now all the hassle, cancel the card and get new replacement, sigh.......hopefully no charges to me, no new GST no AF and cancel the fraudulent charges.. so watch out guys, the SMS alert is not to be taken lightly! i received such msg as well. but i believe this is not a fraudulent charges. u try to trace back which station that has been charged on the SMS and you trace back again to your online statement (those posted transactions). you should be able to check back on the same station that has been charged way before you received the SMS. IMO this must be caused by the major system maintenance that occurred recently and those sms that were not sent out, have been sent out ALL now ~ if yours is not the same as my case, u should report and do the necessary to cancel the transaction. This post has been edited by Like a Bause: Mar 27 2014, 12:42 PM
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ruztynail
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Mar 27 2014, 05:34 PM
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QUOTE(bluebay @ Mar 26 2014, 03:58 PM) » Click to show Spoiler - click again to hide... « "3. How do I earn the 10% cash back? Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories." I don't think I can swipe 10 times per month.. Not wise for me to apply eh? QUOTE(cybpsych @ Mar 26 2014, 04:05 PM) » Click to show Spoiler - click again to hide... « same as me; impossible to swipe 10 times with min rm50 per swipe not suitable to low usage/spender. i thought i had the same problem too.. but thing is.. i still stay with my family.. so my dad jus retired.. so my whole family roughly about 3 cars use my wise cc to pump petrol. confirm can spend rm1k (min 10 swipes) a month on petrol alone.. tats how i maximise this card. if go out dinner with family thn use lo.. say u stay with family or got gf. share ur card get b the 90% cost sure can hit 10 min transactions.
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victorywp
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Mar 27 2014, 05:45 PM
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QUOTE(ruztynail @ Mar 27 2014, 05:34 PM) i thought i had the same problem too.. but thing is.. i still stay with my family.. so my dad jus retired.. so my whole family roughly about 3 cars use my wise cc to pump petrol. confirm can spend rm1k (min 10 swipes) a month on petrol alone.. tats how i maximise this card. if go out dinner with family thn use lo.. say u stay with family or got gf. share ur card get b the 90% cost sure can hit 10 min transactions. but you will have to plan properly especially when close to 28th of the month (it may not be captured in the same month due to longer posting date).
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Wongchoy
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Mar 27 2014, 06:29 PM
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QUOTE(victorywp @ Mar 27 2014, 05:45 PM) but you will have to plan properly especially when close to 28th of the month (it may not be captured in the same month due to longer posting date). I noticed my recent transactions were all posted the next day. Anyone experience this as well ?
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raul
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Mar 27 2014, 06:35 PM
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hi guys, since this month = 31days, so last allow transaction date should be 29/3?
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Wongchoy
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Mar 27 2014, 06:53 PM
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QUOTE(raul @ Mar 27 2014, 06:35 PM) hi guys, since this month = 31days, so last allow transaction date should be 29/3? Actually transaction on 31/03 is still allow...provided posted the same day. Try The Store Department Store
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raul
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Mar 27 2014, 07:52 PM
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QUOTE(Wongchoy @ Mar 27 2014, 06:53 PM) Actually transaction on 31/03 is still allow...provided posted the same day. Try The Store Department Store  talking bout non HLB merchant such as dining/petrol...do i correct?
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