hi,

i might apply for hlbb cc. now considering either to get mach card or wise card. wat is the benefit, pro and con between these 2 cards?

thanks in advance   

i just got hit by the annual fee, anyone manage to get waiver? If not going to downgrade to gold..

hi,

i might apply for hlbb cc. now considering either to get mach card or wise card. wat is the benefit, pro and con between these 2 cards?

thanks in advance   

Hi, a question to ask , i got charged with FC & Late payment charges because of the GST.

GST date: 12/6/14
1st transaction date : 2/7/14
1st statement due date : 16/7/14

Due to my 1st transaction was done on 2/7/14, i initially thought the Gst waiver will be done on the same day, so i ignore the payment on the 1st statement as it only consist of the GST charges (rm50) and the trx date was before the due date.

However the actual waiver posting date was on 31/7/14, so due to the non-payment , i was charged by LPC & FC.

May i know is this the correct way of charging or i can fight for waiver ?

Read OP of both threads then only ask.

hlb wise is 10% cb for 2 selected category but need to achieve minimum 10x >rm50 transaction per month in order to activate the 10% cb. mach is too far off to compare with wise in terms of cb benefit.

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).

Hmmm I find it weird because right, for me, ALL Other CC works, eg aeon, gsc hlb, citi, alliance....as in a received TAC.....but for wise it will just say successful but no TAC, and then the next day i will received the email saying txn NOT successful ...been trying for like from July until yesterday @@

So right after i call HLB CS yesterday and was told to wait for 30mins to retry, thats y i am suspecting there is some mechamism to 'block' wise from payonline....but i might be wrong, but its so irony becoz the GSC card that comes with Wise works well on payonline @@

Oh well...

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.

great spotting! 

if not mistaken, chongaik82 also asked this question before... or no? 

its a plat card, my spending is not high, i never manage to get RM100 CB, mostly spend on petrol, very little on dining.

considering the AF and GST for HLB wise, i think MBB2C AMEX 5% + 2% (from points) will just be a wiser choice for me.

just try to call cs and request for af waiver. each individual will be handled with differently.

just try to call cs and request for af waiver. each individual will be handled with differently.

Yes, you are right, but >90% result to AF refund application get rejected
So HLB send me an official letter as they can't get me.
Ask my wife send me a copy and I do happy with their excuse. Send me 3 pages of letter, stating the T&C clearly and other nonsense. But still can't provide me the MCC.

Yes, you are right, but >90% result to AF refund application get rejected
So HLB send me an official letter as they can't get me.
Ask my wife send me a copy and I do happy with their excuse. Send me 3 pages of letter, stating the T&C clearly and other nonsense. But still can't provide me the MCC.

if all else fail just raise with bank negara that hlb not able to provide mcc code

Are you sure they can't provide MCC code to you ? Last month, i only got RM75 CB when I expect RM100. Then i refer to my statement. 2 dining trnx not listed as dining category. I gave CS a call and they could provide both trnx MCC as 5813 and apologize profusely for those restaurant to be listed as drinking places and they could do nothing as far as acquiring bank MCC are concern.

if all else fail just raise with bank negara that hlb not able to provide mcc code

Don't la.. Nanti HLB merajuk and withdraw the 10% baru tahu. Enjoy it while one still can, next year GST come, maybe HLB don't give so high CB already. Pay 10% CB on 6% GST on almost all transactions just don't make sense as far as HLB is concern.

Oh! The other machine is from which bank ?