applied for gold wise, but approved for platinum instead. stupid bank. ask to reissue new gold card, give all kind of excuses, need to charge la.bla bla. it was their screw up to begin with. made a complaint to customer service, but turned out they have lousy/rude cs too.
Now no longer interested with HLB, as even simple instruction as "GIVE ME FREAKING GOLD CARD" they cant understand. Terminated it right away (yes, i know i could have used it for the first year as they waive tax n annual fee, but i just cant tolerate dumbness and rudeness).
now looking for alternatives, on top of my maybank2 cards. i can live without their rm100 cashback/months.
edit: just noticed there is another thread to testify for HLB worst service. i m linking this post anyway.

Is there any t&c that prevent us from early termination for the supp cards?

Haha u r right, noted. Btw, lets say i wanna apply under someone's name, do i need them to be present?