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

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wengherng
post May 8 2014, 12:43 AM

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QUOTE(onnying88 @ May 8 2014, 12:25 AM)
I don't think sup card can have different categories with principle card. It's always the same categories for both.

My banker did mention clearly for the combo offer. But i rejected for the combo offer as she told me can't cancel the GSC combo card alone. If cancel must cancel both card.
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I see.
I wasn't offered the combo offer when I applied for the Wise.
Seems like a rotten deal, this combo thing.
victorywp
post May 8 2014, 01:28 AM

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QUOTE(onnying88 @ May 8 2014, 12:23 AM)
Depend, if Ah Long's loan then better use CC cash. lol
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no need, bcs ah long nowadays accept credit card payment. biggrin.gif

except for ah long loan, other loans cannot use cc to pay. laugh.gif
onnying88
post May 8 2014, 02:15 AM

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QUOTE(victorywp @ May 8 2014, 01:28 AM)
no need, bcs ah long nowadays accept credit card payment. biggrin.gif

except for ah long loan, other loans cannot use cc to pay. laugh.gif
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Wow, Ah Long also accept credit card jor. I thought Ah Long only like cash in hand. sweat.gif


SUSsupersound
post May 8 2014, 09:05 AM

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QUOTE(wengherng @ May 8 2014, 12:43 AM)
I see.
I wasn't offered the combo offer when I applied for the Wise.
Seems like a rotten deal, this combo thing.
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If your wife are entitled to apply by her own, better ask her to apply own.
Then you can have 5 categories to use.
hkboey
post May 8 2014, 02:58 PM

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Why Hong Leong GSC card has PDF eStatement but WISE card dont have???? So weird one????
wengherng
post May 8 2014, 10:17 PM

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QUOTE(supersound @ May 8 2014, 09:05 AM)
If your wife are entitled to apply by her own, better ask her to apply own.
Then you can have 5 categories to use.
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True, but our monthly expenditure is already adequately covered, so having another Wise principal cardholder would no longer be of benefit.
smile.gif
SUSsupersound
post May 8 2014, 10:28 PM

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QUOTE(wengherng @ May 8 2014, 10:17 PM)
True, but our monthly expenditure is already adequately covered, so having another Wise principal cardholder would no longer be of benefit.
smile.gif
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WISE is only good for single card, sup it out will bring the overall CB lower. But mine still don't have AF charged, looks like being waived thumbup.gif
tbheng
post May 8 2014, 11:13 PM

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QUOTE(wengherng @ May 8 2014, 10:17 PM)
True, but our monthly expenditure is already adequately covered, so having another Wise principal cardholder would no longer be of benefit.
smile.gif
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QUOTE(supersound @ May 8 2014, 10:28 PM)
WISE is only good for single card, sup it out will bring the overall CB lower. But mine still don't have AF charged, looks like being waived thumbup.gif
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That's depend on individual usage pattern again...
For my case, my Home Minister is also my Chief Purchasing Officer... laugh.gif So both of us combined swipe to max out the CB. tongue.gif
And I got my AF waived for both principal & supp cards.
Double WISE principals will be overkill for me.

This post has been edited by tbheng: May 8 2014, 11:18 PM
cx2531
post May 9 2014, 10:25 AM

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can i register hlb wise card only rather than combo package?

because i think all is useless for me unless gsc. but wonder gsc card can buy online and get buy 1 free 1 or not?

wise gold and wise platinum any different? beside credit limit

This post has been edited by cx2531: May 9 2014, 10:27 AM
victorywp
post May 9 2014, 11:08 AM

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QUOTE(cx2531 @ May 9 2014, 10:25 AM)
can i register hlb wise card only rather than combo package?

because i think all is useless for me unless gsc. but wonder gsc card can buy online and get buy 1 free 1 or not?

wise gold and wise platinum any different? beside credit limit
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yes, you can just sign up for wise. gold and platinum no difference in terms of cash back benefits.
kop2299
post May 9 2014, 03:05 PM

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I have terminated Wise Plat Card (expired June) because the card retention officer refuses to waive the AF citing that i utilised too much of the CB..knn..
How soon can i re-apply back the card w/o paying AF? 12months?
TSronnie
post May 9 2014, 03:37 PM

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QUOTE(kop2299 @ May 9 2014, 03:05 PM)
I have terminated Wise Plat Card (expired June) because the card retention officer refuses to waive the AF citing that i utilised too much of the CB..knn..
How soon can i re-apply back the card w/o paying AF? 12months?
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When did you get charged for Annual Fee ? You mention card expires in June

This post has been edited by ronnie: May 9 2014, 03:37 PM
Wongchoy
post May 9 2014, 03:44 PM

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QUOTE(ronnie @ May 9 2014, 03:37 PM)
When did you get charged for Annual Fee ? You mention card expires in June
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If the card is expiring in June, now is the time to negotiate with retention. Once AF & GST kicks in... Have to pay then doh.gif
kop2299
post May 9 2014, 03:54 PM

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QUOTE(Wongchoy @ May 9 2014, 03:44 PM)
If the card is expiring in June, now is the time to negotiate with retention. Once AF & GST kicks in... Have to pay then  doh.gif
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I don't mind paying GST but HLB insisted No AF waiver for me. I never need to pay the AF in my entire CC history of >10yrs.
This HLB is very special.
stargate8
post May 9 2014, 03:56 PM

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that's why no point getting plat, just go for gold
SUSsupersound
post May 9 2014, 04:32 PM

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QUOTE(kop2299 @ May 9 2014, 03:54 PM)
I don't mind paying GST but HLB insisted No AF waiver for me. I never need to pay the AF in my entire CC history of >10yrs.
This HLB is very special.
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Just the AF can show how cheapskate person can be doh.gif
Platinum card wor, a prestige of rich man whistling.gif
SUSsupersound
post May 9 2014, 04:36 PM

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QUOTE(stargate8 @ May 9 2014, 03:56 PM)
that's why no point getting plat, just go for gold
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Yup, even I can get platinum for most of the cards in the market, I still opt for gold or classic as far as possible.
Because all of them won't mean much as at the end of day, I still have to pay what I spend sweat.gif
Wongchoy
post May 9 2014, 05:07 PM

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QUOTE(kop2299 @ May 9 2014, 03:54 PM)
I don't mind paying GST but HLB insisted No AF waiver for me. I never need to pay the AF in my entire CC history of >10yrs.
This HLB is very special.
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Should be a no waiver for me as well, i will pay the AF. Earning CB of about 1k /year is still a good deal after all. Although this is the only card i have to pay to use it .
kop2299
post May 9 2014, 05:15 PM

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QUOTE(supersound @ May 9 2014, 04:32 PM)
Just the AF can show how cheapskate  person can be doh.gif
Platinum card wor, a prestige of rich man whistling.gif
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biggrin.gif ya super cheapskate...always thinks how to earn $ from rich bank. tongue.gif
bearbear
post May 9 2014, 05:19 PM

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cut and reapply lo whistling.gif tongue.gif
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