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Credit Cards Hong Leong Bank Wise Credit Card V3, 10% Cashback , Up to RM100 per month

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guy3288
post Apr 24 2014, 12:11 AM

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QUOTE(supersound @ Apr 23 2014, 12:21 PM)
Is still based on transaction date. That's why I'll try not to carry over to next month as far as possible.
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Supersound - you sound like a mad guy firing those who tried to help. Dont be so arrogant.

Wise card 10% rebate is NOT calculated for that month based on TRANSACTION date.

Instead of admitting mistake and apologize , you kept on insisting your are right - arrogant yet stupid.
despite a reply from HLB, you still didn't know you are wrong.


It is NOT based on transaction date. IT is based on posting date.

So if you swipe a qualified transaction at the end of month (last 1-2 day) , that transaction would not count in that month.


aeiou228
post Apr 24 2014, 09:14 AM

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QUOTE(guy3288 @ Apr 24 2014, 12:11 AM)
Supersound - you sound like a mad guy firing those who tried to help. Dont be so arrogant.

Wise card 10% rebate is NOT calculated for that month based on TRANSACTION date.

Instead of admitting mistake and apologize , you kept on insisting your are right - arrogant yet stupid.
despite a reply from HLB, you still didn't know you are wrong.
It is NOT based on transaction date. IT is based on posting date.

So if you swipe a qualified transaction at the end of month (last 1-2 day) , that transaction would not count in that month.
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Well, I'm not sure it was due to pride or self esteem too high or he just can't be corrected, one thing I'm very sure is that he like to hurl unprovoked derogatory remarks, name calling to others in many threads he participated.

The irony is he posted and bold the official HLB's FAQ so big to prove us right tongue.gif

QUOTE(supersound @ Apr 22 2014, 11:45 PM)
Nope, you are totally wrong on this, the first 2 transactions will be March 2014's cash back which will be in April's statement on cash back. But pay the amount on April's statement.
BTW, no point of arguing on this, just try your best to deny what the HLB's officer said. If you are not convinced on my statement, do try again your better excuse to deny the below statement(copied from FAQ)
16. Are the retail transactions in a calendar month are counted based on posting date or transaction date?
 
Retail transactions in a calendar month are counted based on transaction posting date. Cash-Back is awarded based on the total posted Ringgit amount of eligible retail purchases charged to the Wise Card.

Am my explanation confusing? Maybe for some that with intention to be confused or want to deny my statement.
As stated clearly already, cash back are calculated based on transaction month or calender month.
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Here is the root of his confusion with the language used by HLB and he still think transaction posting date is the date of transaction instead of date of posting.
QUOTE(supersound @ Apr 22 2014, 11:53 PM)
Ok, before you hit your self bad or make your self really stupid, why not give call center a call or send them a message? Then let's see who right who wrong?
Transaction posting date means the date you do a transaction.
And posting date means the merchant submit their claim doh.gif

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SUSsupersound
post Apr 24 2014, 09:49 AM

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QUOTE(guy3288 @ Apr 24 2014, 12:11 AM)
Supersound - you sound like a mad guy firing those who tried to help. Dont be so arrogant.

Wise card 10% rebate is NOT calculated for that month based on TRANSACTION date.

Instead of admitting mistake and apologize , you kept on insisting your are right - arrogant yet stupid.
despite a reply from HLB, you still didn't know you are wrong.
It is NOT based on transaction date. IT is based on posting date.

So if you swipe a qualified transaction at the end of month (last 1-2 day) , that transaction would not count in that month.
*
For the first 8 months, almost 7 months I have to send them a message to appeal on those missed transactions. Just try your self and you will know doh.gif
aeiou228
post Apr 24 2014, 10:13 AM

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QUOTE(supersound @ Apr 24 2014, 09:49 AM)
For the first 8 months, almost 7 months I have to send them a message to appeal on those missed transactions. Just try your self and you will know doh.gif
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Perhaps it was due to other issues disqualifying you from CB ?? Can you post up at least 3 months consecutive paper statement of the affected transactions so that we can help to verify it for you ?

The two statements you posted earlier have no problem whatsoever. MGM verified that already and Yes I calculated with my dedicated financial calculator. tongue.gif

This post has been edited by aeiou228: Apr 24 2014, 10:15 AM
SUSsupersound
post Apr 24 2014, 10:19 AM

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QUOTE(aeiou228 @ Apr 24 2014, 10:13 AM)
Perhaps it was due to other issues disqualifying you from CB ?? Can you post up at least 3 months consecutive paper statement of the affected transactions so that we can help to verify it for you ?

The two statements you posted earlier have no problem whatsoever. MGM verified that already and Yes I calculated with my dedicated financial calculator.  tongue.gif
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They always got the excuses on the month end transaction. Is not the first time and to make it last, I won't swipe after 23rd every month.
aeiou228
post Apr 24 2014, 10:40 AM

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QUOTE(supersound @ Apr 24 2014, 10:19 AM)
They always got the excuses on the month end transaction. Is not the first time and to make it last, I won't swipe after 23rd every month.
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As evident from the 2 statements you posted, the month end transactions will be accounted for if it gets posted in the following month. So there is nothing to worry about and not necessary to file a complaint.
The best is if you can post up 3 consecutive months paper statements of the affected transactions so that we can help to verify for your.
tbheng
post Apr 24 2014, 10:46 AM

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QUOTE(supersound @ Apr 24 2014, 09:49 AM)
For the first 8 months, almost 7 months I have to send them a message to appeal on those missed transactions. Just try your self and you will know doh.gif
*
QUOTE(supersound @ Apr 24 2014, 10:19 AM)
They always got the excuses on the month end transaction. Is not the first time and to make it last, I won't swipe after 23rd every month.
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I have started using Wise card since Feb 2013...
As I posted earlier, in the first few "trial and error" months, I have also got hit by this "month end transactions get posted in the following month" issue...
So, I re-read the TnC and FAQ, and understand that they use Posting Date for CB calculation.
Just follow the rules of the game and enjoy the "spend RM985 and get RM100 CB a month" (that's the max lah). laugh.gif
Peace icon_rolleyes.gif
SUSsupersound
post Apr 24 2014, 10:52 AM

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QUOTE(aeiou228 @ Apr 24 2014, 10:40 AM)
As evident from the 2 statements you posted, the month end transactions will be accounted for if it gets posted in the following month. So there is nothing to worry about and not necessary to file a complaint.
The best is if you can post up 3 consecutive months paper statements of the affected transactions so that we can help to verify for your.
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QUOTE(tbheng @ Apr 24 2014, 10:46 AM)
I have started using Wise card since Feb 2013...
As I posted earlier, in the first few "trial and error" months, I have also got hit by this "month end transactions get posted in the following month" issue...
So, I re-read the TnC and FAQ, and understand that they use Posting Date for CB calculation.
Just follow the rules of the game and enjoy the "spend RM985 and get RM100 CB a month" (that's the max lah).  laugh.gif
Peace  icon_rolleyes.gif
*
But mine never and have to ask and appeal. Fed up with them already shakehead.gif
aeiou228
post Apr 24 2014, 11:00 AM

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QUOTE(supersound @ Apr 24 2014, 10:52 AM)
But mine never and have to ask and appeal. Fed up with them already shakehead.gif
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Is it because HLB disqualified your CB based on transaction date that's why you so strongly believe that CB is based on transaction date ??

aeiou228
post Apr 24 2014, 11:05 AM

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QUOTE(tbheng @ Apr 24 2014, 10:46 AM)
I have started using Wise card since Feb 2013...
As I posted earlier, in the first few "trial and error" months, I have also got hit by this "month end transactions get posted in the following month" issue...
So, I re-read the TnC and FAQ, and understand that they use Posting Date for CB calculation.
Just follow the rules of the game and enjoy the "spend RM985 and get RM100 CB a month" (that's the max lah).  laugh.gif
Peace  icon_rolleyes.gif
*
Bro, I'm same time as you. Paid 2nd year GST in Feb but no 2nd year AF charged till now. Are you getting this "special treatment" as well ??
tbheng
post Apr 24 2014, 11:23 AM

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QUOTE(aeiou228 @ Apr 24 2014, 11:05 AM)
Bro, I'm same time as you. Paid 2nd year GST in Feb but no 2nd year AF charged till now. Are you getting this "special treatment" as well ??
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No special treatment for me.
GST posted in Feb >> Call to off set >> Failed. sad.gif
AF posted in Mar >> Call to waive >> Reversal posted in Apr thumbup.gif

This post has been edited by tbheng: Apr 24 2014, 11:25 AM
victorywp
post Apr 24 2014, 11:42 AM

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QUOTE(supersound @ Apr 24 2014, 10:19 AM)
They always got the excuses on the month end transaction. Is not the first time and to make it last, I won't swipe after 23rd every month.
*
yeah, for me i also don't swipe after 24th each month (just in case it doesn't get posted in the same month) because i see in my statement some transactions took 4 days to get posted. shakehead.gif

QUOTE(tbheng @ Apr 24 2014, 10:46 AM)
I have started using Wise card since Feb 2013...
As I posted earlier, in the first few "trial and error" months, I have also got hit by this "month end transactions get posted in the following month" issue...
So, I re-read the TnC and FAQ, and understand that they use Posting Date for CB calculation.
Just follow the rules of the game and enjoy the "spend RM985 and get RM100 CB a month" (that's the max lah).  laugh.gif
Peace  icon_rolleyes.gif
*
i remember when i first get the card, it's already close to the end month (on 20th if not mistaken). but i took the risk to start swiping it instead of waiting til the next month. luckily within the next 3 days i managed to complete the minimum requirement of rm50 x 10 times and then fully maximised it. so i received the rm100 cb 1 month later. laugh.gif
SUSsupersound
post Apr 24 2014, 11:44 AM

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QUOTE(victorywp @ Apr 24 2014, 11:42 AM)
yeah, for me i also don't swipe after 24th each month (just in case it doesn't get posted in the same month) because i see in my statement some transactions took 4 days to get posted.  shakehead.gif
i remember when i first get the card, it's already close to the end month (on 20th if not mistaken). but i took the risk to start swiping it instead of waiting til the next month. luckily within the next 3 days i managed to complete the minimum requirement of rm50 x 10 times and then fully maximised it. so i received the rm100 cb 1 month later.  laugh.gif
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This is their strategy. If you have not swipe rm1000, it will be 15/16. If > rm1000, it sure will get it posted on the same statement.
When it is "missed", then I have to call and ask. It is tedious and really have to check properly. Sometimes even not entitled for CB until you appeal.
victorywp
post Apr 24 2014, 11:48 AM

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QUOTE(supersound @ Apr 24 2014, 11:44 AM)
This is their strategy. If you have not swipe rm1000, it will be 15/16. If > rm1000, it sure will get it posted on the same statement.
When it is "missed", then I have to call and ask. It is tedious and really have to check properly. Sometimes even not entitled for CB until you appeal.
*
yeah, so to be wise, we just stick to no swipe after 23rd or 24th. brows.gif
but nowadays after hlb upgraded their online banking website, some mentioned that the posting date is now faster. i haven't check to confirm that yet. laugh.gif
tbheng
post Apr 24 2014, 11:53 AM

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QUOTE(victorywp @ Apr 24 2014, 11:42 AM)
yeah, for me i also don't swipe after 24th each month (just in case it doesn't get posted in the same month) because i see in my statement some transactions took 4 days to get posted.  shakehead.gif
i remember when i first get the card, it's already close to the end month (on 20th if not mistaken). but i took the risk to start swiping it instead of waiting til the next month. luckily within the next 3 days i managed to complete the minimum requirement of rm50 x 10 times and then fully maximised it. so i received the rm100 cb 1 month later.  laugh.gif
*
U risk taker for your 1st month... sweat.gif probably too excited with the highest CB cc in hand. laugh.gif
I normally "close acct" by 27th (will be earlier for Feb lah), not too early, cause sometime need to swipe last minute. sweat.gif
As I read here, HLB has improved their posting mechanism and the outcome is next day posting.
I am monitoring to see all my regular swipes are behaving like that. tongue.gif

bee993
post Apr 24 2014, 11:54 AM

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QUOTE(victorywp @ Apr 24 2014, 11:48 AM)
yeah, so to be wise, we just stick to no swipe after 23rd or 24thbrows.gif
but nowadays after hlb upgraded their online banking website, some mentioned that the posting date is now faster. i haven't check to confirm that yet.  laugh.gif
*
haha.....i oredi draft a paper / samsung note to track my swipe.. doh.gif
SUSsupersound
post Apr 24 2014, 11:57 AM

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QUOTE(victorywp @ Apr 24 2014, 11:48 AM)
yeah, so to be wise, we just stick to no swipe after 23rd or 24thbrows.gif
but nowadays after hlb upgraded their online banking website, some mentioned that the posting date is now faster. i haven't check to confirm that yet.  laugh.gif
*
As said, it depends on your total spending on that month. If > rm1000 already, even you swipe at 27th also they will make it on the current month's statement. So, my "transaction date" and other's "posting date" during the argument were right as HLB will determine that whistling.gif
victorywp
post Apr 24 2014, 12:01 PM

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QUOTE(tbheng @ Apr 24 2014, 11:53 AM)
U risk taker for your 1st month...  sweat.gif  probably too excited with the highest CB cc in hand.  laugh.gif
I normally "close acct" by 27th (will be earlier for Feb lah), not too early, cause sometime need to swipe last minute.  sweat.gif
As I read here, HLB has improved their posting mechanism and the outcome is next day posting.
I am monitoring to see all my regular swipes are behaving like that.  tongue.gif
*
yeah, i was too excited i think. for the sake of achieving the rm50 10 times, i remember asking the cashier in a restaurant to split my rm200 bill to rm50 each (although dining is not the category i chose). LOL! the owner was like yes, i can do it that way but may i know for what purpose? i said nothing, it's just for certain kind of contest. laugh.gif
bee993
post Apr 24 2014, 12:15 PM

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QUOTE(supersound @ Apr 24 2014, 11:57 AM)
As said, it depends on your total spending on that month. If > rm1000 already, even you swipe at 27th also they will make it on the current month's statement. So, my "transaction date" and other's "posting date" during the argument were right as HLB will determine that whistling.gif
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ya ya u r the correct 1.

hlb give CB card but purposely want to save by denying u the benefits vmad.gif reli jialat the hlb. vmad.gif



when only wan to behave like a grown up man? admit mistake got so hard?

u win more pride than u can lose. nod.gif




deng ni bu shun shakehead.gif


i only can tell u my reply will probably be the last ppl will reply to u if u keep ur current attitude. whistling.gif
SUSsupersound
post Apr 24 2014, 12:16 PM

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QUOTE(bee993 @ Apr 24 2014, 12:15 PM)
ya ya u r the correct 1.

hlb give CB card but purposely want to save by denying u the benefits vmad.gif  reli jialat the hlb. vmad.gif
when only wan to behave like a grown up man? admit mistake got so hard?

u win more pride than u can lose. nod.gif
deng ni bu shun shakehead.gif
i only can tell u my reply will probably be the last ppl will reply to u if u keep ur current attitude. whistling.gif
*
As said, you try it your self first and see, I use 6 months to verify this in the hard way.

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