Something interesting to share.
My Wise card was charged GST RM50 in Feb and HLB suppose to charge me 2nd year AF on 1st March. I found no AF RM160 in my March statement and I though HLB might have charge me in April but up till today, no AF being charged.
Perhaps HLB give auto AF waiver to Wise card ?

Maybe HLB gave special treatment to me because of my other accounts   Nope. I never spend 20k p.a. You don't want to spend more than 1k per month on Wise card otherwise you will be very unwise.
HLB managed to tricked supersound and made him confused with the CB terms and our very wise Ronnie and others tried very hard to correct him but unfortunately supersound was quite firmed with his confusion and can't stand corrected.

11-Feb-14 9-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 50.30
12-Feb-14 10-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 50.40
12-Feb-14 10-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 50.80
18-Feb-14 16-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 52.50
23-Feb-14 21-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 50.25
25-Feb-14 23-Feb-14 AEON BUKIT INDAH JOHOR BAHRU MY 50.00
25-Feb-14 23-Feb-14 AEON BUKIT INDAH JOHOR BAHRU MY 50.00
25-Feb-14 23-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 50.00
25-Feb-14 23-Feb-14 AEON BUKIT INDAH JOHOR BAHRU MY 50.00
26-Feb-14 24-Feb-14 MAXIS PAY - WEB PETALING JAYAMY 50.00
26-Feb-14 24-Feb-14 SHELL-HALINI MAJU ENT JOHOR MY 56.85
2-Mar-14 28-Feb-14 AEON BUKIT INDAH JOHOR BAHRU MY 50.00
2-Mar-14 28-Feb-14 AEON BUKIT INDAH JOHOR BAHRU MY 50.00
2-Mar-14 28-Feb-14 AEON BUKIT INDAH JOHOR BAHRU MY 50.00

28-Mar-14 28-Mar-14 PETROL _CASH REBAT 36.00
28-Mar-14 28-Mar-14 DEPTSTORE_CASH REBAT 15.00
28-Mar-14 28-Mar-14 MOBILE _CASH REBAT 5.00

I went thru my previous statement and found a 'quite' similar situation. From the rebates I got for Feb and shown on 28-Mar it did not  include the 3 tranx of AEON on 28-Feb but posted on 2-Mar, but then Feb-2014 is only 28days.

if you buy at aeon supermarket then is under grocery.

That's right...
for me, I spend only ~ 1k for wise, ~1k for mbb2 amex platinumon weekend for cash back..
the rest will use mbb2 amex reserve...if amex not accepted, will use mbb2 VI..
those are the only cards I'm using now..
I'm not sure whether to cancel my existing cimb VI that I was using for more than 2 yrs...

yeah, so to be wise, we just stick to no swipe after 23rd or 24th. 
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. 

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

most prolly they called your company and they didnt get to verify cuz no one pickup or etc ... last time i applied, i sit beside admin ... she not there then i answer the calls .. HLB called and asked if i work at this company and i answered yes he is haha .. 5 minutes later called my cell and told me they verified everything i card approved ...

my first submission was KIV, because HLB doesn't accept online printed epf statement
took me a month and multiple calls to realize this, the telemarketer guy was agressive at chasing for my application
but failed to follow up this particular...terribly...

I canceled the application and resubmitted through another agent introduced by my friend
similar sheetz happens, CC department personnel called up to verify all my details, but progress stuck at card delivery
2 weeks of waiting, nobody call me but I called HLB for status update
HLB requires my utility bills to verify the delivery address...

another 2 weeks of waiting, there's still no delivery notice
again, I called my friend and asked him to request the tracking number from the agent
the card was actually ready for collection at pos laju office since last week....

collected the parcel, opened up and guess what I saw?
I applied for Gold Wise and HLB issued me a Platinum's.... 
called up CC Customer Service requesting cancelation
a Malay woman answered my doubt and told me the annual fee is waivable with 12 swaps per annum 
I just hang up and recalled, another Indian girl answered and told me it's not
she said she'd proceed cancelation but unwilling to commit how long progress would take

another week gone without any feedback, I called up and lodge the complaint to another Malay guy
thank god he was helpful, he found no record of my previous complaint....
but he claimed cancelation could be done in 2-3 working days, and gave me a query number just in case
regarding the GST bill I've just received, he wrote in together as waive request

2 days later, a chinese girl from CC department called me for some verification works
and suggested me to swap the card within 45 days to get the GST waived
things starts to look like I've to resolve this on my own, rather than HLB finds its way to deal with this
some arguments, and she decided to proceed with my cancelation but leaving the GST to me, claimed that this is not part of her responsibility....

the agent had finally called me, after being pushed by my friend several times for follow up
again arguments, and she asked her manager to talk to me
blabliblubleblo, her manager agreed to waive the GST in the end

HLB? sorry the product may be the best but the way of servicing seriously pulls me off
Heard from my friend (he's working with HLA) that the agent will be interviewed by CS department manager next day, CS is taking this matter seriously, and my friend is trying to bring the girl down by login another complaint with the written support from HLA President Club member 

Where is the logic?

perhaps P & J tied up with high housing and/or car loans?

At the whim and fancy or mood of the person processing the application?

which is why you stay up late just to watch the show? lol...