that's good to know

watson's location pls?

Wise is actually a great cashback card, and particularly on groceries when GST starts to take effect next year.

i've been persuading my parents to withhold their grocery spending till at least RM50 before heading out to buy. Too bad, they rush to tesco/giant whenever they see promo/discounted price on newspaper, and each time spends <RM50 their basis is due to the promotion is not frequent and they want to get the best deal ASAP. adoiiiiii

asked them to budget 3x-4x RM50 in a month, and again their typical shopping mindset cannot change their spending behavior

ya lor, that was my argument for them but they still insist/prefer on ad-hoc shopping spree Maybe i need to get a harness to tie them down


yes, my other point of argument too. it's relatively easy to hit RM50 for just 1 visit. shop from end to end, sure can fill up the RM50 quota per cart


good idea too. mostly they shop at tesco/giant/econsave for groceries, i might survey first whether these supermarket do sell vouchers at the first place

This post has been edited by cybpsych: Jun 10 2014, 09:48 AM

thanks ronnie!

hahahha yalor! knowing my parents, i'd vomit first if they use RM50 voucher for amount lesser than that!

50% cashback also not enough to cover losses

finally took the plunge to get Wise.

seems there is no direct online application; just a request form and wait for HLB to call me back.

similar way for TM's Unifi bill. It only show the last payment (transaction), not the cumulative/total amount paid in that month. Guess the system/service provider expects ppl to pay bills in one lump sum; didnt expect ppl to be smart(er) to split bills due to credit cards!

btw, carefully check and compare current and previous bill, as tbheng advised. does the current bill inclusive of previous outstanding of RM500 (or RM450 if TNB only 'recognized' RM50 payment only)?

there are times where TNB or even SYABAS failed to capture payment, even physically via over-the-counter. happened to me few times. now i'm trialling/testing paying TNB via M2U-AMEX. hope it captures the payment (TNB) and counted the cashback later (MBB).

guys, if i walk-in to HLB branch, what documents should i bring besides 3 months of payslip?

EPF statement i print myself or HLB have the kiosk for me?

any other documents?

much thanks!

thanks!

well, i've requested via HLB's website to call me back. the stated SLA is 3 working days and no one called me, till Friday (>3 working days). Resubmit again this morning.

If i'm free, I'd have dropped by HLB branch personally since there are 2-3 branches near where i work

thanks for the offer though, i prefer deal this personally with the bank

if u dont mind me asking, your target is based on successful approval by the bank?

yes very competitive, even more so if HLB's approval policy is more stringent than other banks.

if based on submission, that's a poor measurement of agent's performance cuz he/she might just whack as much application as possible with 100% rejection. this will not motivate the agent to get quality customers

guess HLB is looking for quality customers with stable/healthy financial status.


just for sharing: HLB staff called me this morning around 9.45am. Some Q&A whether I am currently holding any HLB/EON Bank cards, annual income of at least RM36k, salaried or self-employed, etc.

Only then, the agent emailed me all the application forms (English & BM; each for principal & supplementary), product disclosure and leaflet. All in PDF.

take note to new applicants: EPF statement printout must be printed from EPF Kiosk. Printout from EPF's own i-Akaun is not accepted.

From the email content: They needed me to submit within 48 hours of working hours!

Not sure what's the urgency , as if this is a one-time special invitation to the Wise club?

Follow-up to Wise card application:

Submitted all forms and documents (with more supporting documents that i could find ) at 1:30pm, received callback from HLB at 3:00pm to verify all the documents (address, company info, contact numbers, etc.)

The agent also briefed me all the Wise's features, cashback qualifications, and also recommended to swipe between 1st till 25th each month (i joked that this is due to late posting by merchant/HLB, i came prepared from info from this topic itself! )

Agent also briefed the T&Cs of using the cards, AF, GST, penalties, etc etc. Speaking of AF waiver, there is no waiver policy. However, the agent advised to prepare to pay RM160 for Wise Gold's AF, then call up to enquire about possible waiver since there could be "promo" to retain customers 1 year after).

Call lasted about 13 minutes. After hang-up, few minutes later, agent called me again to my direct office line to verify.

just wow, didnt know cc application is so tedious and HLB is so meticulous

Standard approval will now take 14 days. If no news or notification, I was advised to call up the agent to ask for status. Not bad at all, considering they care to tell and follow-up for us.

confirm online EPF statement will not be accepted. i specifically asked this when the telemarketer/agent called me to prepare the documents, especially EPF statement. I had to hunt and rush to nearby EPF kiosk just to get the dreaded statement.

the form does indicate the Wise Gold selection, but the agent or even the bank office may somehow upgrade it due to your income qualification.

in my case, 1st verification by agent, i specifically mentioned to get Wise Gold only. Agent was stunned for a moment, reconfirm again my Gold selection.

2nd verification by bank officer, again, i stated to apply Wise Gold only. Officer was calm and proceed with other info verification (literally item by item from the application form).


here's how the current form looks like (card selection, before the Personal Details section below it).

yeah, same guess as mine.

now i'm still waiting for approval and what card they're giving me (even with my explicit request for Gold)

form filled by me. ticked Wise Gold

just a small concen if the bank so "generous" to upgrade to Platinum instead.

true. let's see how this goes. considering i get RM50 rebate and 1st year AF waiver, perhaps i'd just keep it for <1year, then chop it off.

coming GST in April 2015, i'm sure there are few banks gonna introduce more "rewarding" cards to entice customers to spend/swipe more using their cards, instead of repelling them off.

maybe get another Wise card from your siblings, parents, or partner/spouse?

image, both partners carrying Wise card by spreading across 4 separate categories. yes, tedious to manage but once you've realigned your spending pattern, it's actually quite rewarding.

of course, dont spend much beyond your ability to repay the outstanding la.

cheers!

wow, that long? perhaps should start calling the agent to ask for status.

i'm still waiting for any approval notification (1 week now). betting to get it before July come.