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

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victorywp
post Apr 30 2014, 07:22 AM

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QUOTE(wengherng @ Apr 29 2014, 11:51 PM)
Hello folks,
Just a noob question here.
I am a new WISE card user (less than 3 months) and my categories include petrol.
In March, I had more than 10x transactions over RM50, and all of them are transacted AND posted within March.
I had approximately RM250 worth of petrol transactions (i.e. 5 x RM50 transactions), and all but one of them were pumped at the same station, and always at the kiosk pumps only, never at the counter.
On 28th April, when I checked online, it seems that I only received RM12 cash back for petrol for March.
Now I am quite confused. I could probably understand if I didn't get back any cashback at all, which would mean that there is something wrong with the petrol station's pump kiosk registration, but it seems that I am getting for some transactions and not getting for some. The math does not seem to add up.
So, my question is, would it be possible that some kiosks are set up properly to reflect the correct merchant code, while some pumps might be using the counter code?
Has anyone here faced this problem before?
*
by right, ALL automated fuel dispensers are set up with petrol mcc code.
echoesian
post Apr 30 2014, 12:38 PM

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Going to cancel this card next month as there is no annual fee waiver.... quite sad as this card gives 10% rebate
tigaxxx
post Apr 30 2014, 12:51 PM

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QUOTE(echoesian @ Apr 30 2014, 12:38 PM)
Going to cancel this card next month as there is no annual fee waiver.... quite sad as this card gives 10% rebate
*
Fee is only rm160 for gold..u'll have rm990 left

This post has been edited by tigaxxx: Apr 30 2014, 12:53 PM
aeiou228
post Apr 30 2014, 01:12 PM

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Looks like WISE AF waiver is very much discretionary. Some can't get it waived, some need to call for waiver, and rarely, some auto waiver.
TSronnie
post Apr 30 2014, 01:54 PM

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At least the Annual Fee can be waived (if you ask nicely)
Wongchoy
post Apr 30 2014, 02:01 PM

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QUOTE(ronnie @ Apr 30 2014, 01:54 PM)
At least the Annual Fee can be waived (if you ask nicely)
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I got a feeling that user like me who never spent outside category, will not get AF Waiver.
stargate8
post Apr 30 2014, 02:11 PM

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even though no waiver, it's still worth it. 990/12 = 82.50 monthly rebate.

wise 82.5 + 50 m2c = 132.50 x 12 months = rm1590 savings
tonytyk
post Apr 30 2014, 09:30 PM

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QUOTE(echoesian @ Apr 30 2014, 12:38 PM)
Going to cancel this card next month as there is no annual fee waiver.... quite sad as this card gives 10% rebate
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Good to cancel to teach them a lesson, else they take you for granted.
SUSsupersound
post Apr 30 2014, 09:49 PM

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QUOTE(echoesian @ Apr 30 2014, 12:38 PM)
Going to cancel this card next month as there is no annual fee waiver.... quite sad as this card gives 10% rebate
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How much you spend every month? If close to or hit rm1000, it is not worth at all.

QUOTE(tigaxxx @ Apr 30 2014, 12:51 PM)
Fee is only rm160 for gold..u'll have rm990 left
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That's why I don't understand why some people applied for platinum.

QUOTE(Wongchoy @ Apr 30 2014, 02:01 PM)
I got a feeling that user like me who never spent outside category, will not get AF Waiver.
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I always spend rm900-1000 every within the selected category, I been charged GST last month(start using it since March 2013) but AF nothing yet thumbup.gif

QUOTE(tonytyk @ Apr 30 2014, 09:30 PM)
Good to cancel to teach them a lesson, else they take you for granted.
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If the person that cancel the card are a prompt payer, they will more happy.
wengherng
post Apr 30 2014, 10:36 PM

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QUOTE(tbheng @ Apr 30 2014, 02:11 AM)
Is it you have already max out the RM100 by your other category and Mobile category?
Besides, for all your petrol transactions, you can check if there is "PETROL" printed on the Category column in your paper statement.
Otherwise can call CS to ask them to go through your transaction list and explain to you.
*
Unfortunately, nope, have not yet maxed out the cash back...... my total cash back for the month is only RM50.
Yeah I guess I will have to wait for the paper statement to check again.
Thanks!
wengherng
post Apr 30 2014, 10:38 PM

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QUOTE(victorywp @ Apr 30 2014, 07:22 AM)
by right, ALL automated fuel dispensers are set up with petrol mcc code.
*
Yeah, that's what I thought too......but...... sigh.
I guess I will wait for the paper statement and then call the CS for clarification then.
eddievh
post Apr 30 2014, 11:22 PM

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QUOTE(wengherng @ Apr 30 2014, 10:38 PM)
Yeah, that's what I thought too......but...... sigh.
I guess I will wait for the paper statement and then call the CS for clarification then.
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I thought March you already get paper statement, from paper statement you already can estimate your cash back.
echoesian
post Apr 30 2014, 11:25 PM

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QUOTE(tigaxxx @ Apr 30 2014, 12:51 PM)
Fee is only rm160 for gold..u'll have rm990 left
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Mine is RM300 leh... CS said after charge first then call but no guarantee can get waiver.. but I dont think wanna take the risk la .. it's not cheap RM300 leh..

This post has been edited by echoesian: Apr 30 2014, 11:27 PM
aeiou228
post Apr 30 2014, 11:31 PM

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QUOTE(echoesian @ Apr 30 2014, 11:25 PM)
Mine is RM300 leh... CS said after charge first then call but no guarantee can get waiver.. but I dont think wanna take the risk la .. it's not cheap RM300 leh..
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Don't worry la, HLB won't charge you AF one. Mine due in Feb also no AF charge till now.
tbheng
post Apr 30 2014, 11:43 PM

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QUOTE(echoesian @ Apr 30 2014, 12:38 PM)
Going to cancel this card next month as there is no annual fee waiver.... quite sad as this card gives 10% rebate
*
QUOTE(Wongchoy @ Apr 30 2014, 02:01 PM)
I got a feeling that user like me who never spent outside category, will not get AF Waiver.
*
In the last 13 months, I have > 300 transactions, only once outside category @ Popular Bookstore by mistake at first month. sweat.gif And will stop after maxing RM100 CB every month. laugh.gif But I got the AF waiver after call in. thumbup.gif
TSronnie
post Apr 30 2014, 11:57 PM

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QUOTE(aeiou228 @ Apr 30 2014, 11:31 PM)
Don't worry la, HLB won't charge you AF one. Mine due in Feb also no AF charge till now.
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Maybe not yet ?? but that's already 2+ months.... I'm still waiting for the GST charge
aeiou228
post May 1 2014, 12:24 AM

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QUOTE(ronnie @ Apr 30 2014, 11:57 PM)
Maybe not yet ?? but that's already 2+ months.... I'm still waiting for the GST charge
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I thought I overlooked the statement but nope. No RM160 debit figure appeared in my Feb, March, April transactions.
tbheng
post May 1 2014, 12:35 AM

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QUOTE(aeiou228 @ May 1 2014, 12:24 AM)
I thought I overlooked the statement but nope. No RM160 debit figure appeared in my Feb, March, April transactions.
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Yeah, your case is really unique... hmm.gif Like they have forgotten about it laugh.gif

This post has been edited by tbheng: May 1 2014, 12:35 AM
victorywp
post May 1 2014, 01:01 AM

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QUOTE(aeiou228 @ May 1 2014, 12:24 AM)
I thought I overlooked the statement but nope. No RM160 debit figure appeared in my Feb, March, April transactions.
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maybe you should try to search for rm300 figure instead (bcs maybe they mistakenly charged you plat af instead of gold af)? brows.gif

or perhaps i can help you to report to hlb about this error? (you can thank me later) tongue.gif
guy3288
post May 1 2014, 01:21 AM

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QUOTE(Wongchoy @ Apr 30 2014, 02:01 PM)
I got a feeling that user like me who never spent outside category, will not get AF Waiver.
*
i dont see AF charge so far in my statement.Started to use Wise card since Jan 2013, also never use on outside category.
Now got promo going to apply Wise card on my wife's name.

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