hi sifus, wanted to confirm on sth, i have been trying to read the thread but unfortunately i was unable an answer before i ask.

Can i split my tnb bills in payonline@ UOB ? and is it falls under utilities by paying through this facility?

just wondering, Caring Pharmacy is now having Merdeka Sale promo and was excited to use Wise card at Tesco.

sadly, the T&Cs stated promo is not valid at Caring @ Tesco and KLIA2. 
how do you guys buy Caring stuffs using Wise card without dropping by Tesco? Any suggestions? 

1)How long does it take from the application till the approval till the receiving card?

2)Do Segi Supermarket can be used to get CB?

3)If I already have MBB CC and Citibank CC last month, does it jeopardize my chances to get this card. Very tempting with the CB offer.

Thanks guys!

Anyway just wanna share my experience, this is my first credit card application. Get rejected by HLB.
I had been working since June 2013, my income is greater than RM24,000 per year. No car loan, no house loan. Is it really that hard to apply? So sad.

Didn't call up HLB customer service to ask for reason why they reject my application. Should I?

hrmmm then which credit card should I start with, family is using maybank2cards already.
UOB One card is it good to be the 3rd option for cash back purpose?

guys, i was just curious about Giant.

I did various visits to Giant stores, and noticed few descriptions in HLB Connect:

Giant H/Mkt -- confirmed Grocery in my 1st statement.
Giant S/Store -- pending 2nd statement to review category.
Giant S/Market -- pending 2nd statement to review category.

S/Store and S/Market are under Grocery too?

thanks.

How much you swipe every month? All swipes get 10% cash rebate ?

I get average RM 75 cash back every month and all swipes are eligible for 10% cash rebate. This means HLB is RUGI when I swipe every time... lols...
I doubt HLB will waive my annual fee coming in next month...

Can you further explain this? Business card means any credit card? What discounts can get?
Woww. May I know how much is your average monthly usage?

-edit- ok i saw ur answer. My usage would be higher a little bit, hope can get waiver too~~~ 

June transaction, July also got, with their excuse, I considered paid the annual fees.
Now all transactions in Middle East I just use my AMEX, with 5X TPs, sure get it.

June transaction, July also got, with their excuse, I considered paid the annual fees.
Now all transactions in Middle East I just use my AMEX, with 5X TPs, sure get it.

max cash back RM100 with slightly over 1k each mth ?
HLB also rugi banyak after issue card to you... lols...

anyone got charged for annual fees? i forgot to ask for waiver before the anniversary date. able to get waiver?

wow... shit man.... anyone cancel the card if not getting waiver???
once charged even we cancel also need to pay is it... T.T....
Rm300 not worth... so end up 1 year rebate only 900 max

So many people cancel card here, while I just got my new card lol

HLB wise gold is the best CB card .. at least for me   nuff said...

HLB very weird. I got full waiver, you got half waiver, some don't get waiver.  Just don't know what is their waiver policy.

Eh..! don't say it openly lah. The HLB policy maker would probably read this topic to gauge the card members acceptance towards the non waiver of AF policy. 

too many commiment?

hi,

interested to get hlb wise credit card for my mobile, groceries and utilities. pls clarify:

pay tnb & syabas bill via uob payonline can get the 10% rebate under utilities?

thanks!

just wondering: i got one "Not Approved" payonline transaction. Got posted to HLB but has been floating for 3 days now (since 6-Aug). Called CS today and they said need 5 working days for floating to be cleared (pending to reject or clear) by merchant (payonline).

Is it safe to say this floating transaction will be automatically rejected since payonline already confirmed "not approved"

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