Why u advise against getting the combo? I was told that government tax n annual fee will be waived for that +1 combo card? Even if it is waived only first year, i can always terminate the combo card right?
I signed for combo card just bcoz of the bag (for spending more than 1.2k)

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.

This post has been edited by azeL_Inc: Sep 29 2014, 10:01 PM

exactly what i thought too


yes, the sole reason why i specifically asked for GOLD. grrr...

yeah..the cb is the only reason why i wanted to use the wise card anyway, but as i mentioned before, i cant tolerate rudeness/dumbness, i ll live without their cb.

wait until they screw up with your statements, for example. haha..u ll always need to depend on cs, when you least expect to. i.e. card replacement, temp increase of cdt limit, fraud case.