Drinking Places, 5813, 5462 Bakeries not included.
Still in favor to HLB to screw around with MCC.

This post has been edited by supersound: Feb 6 2015, 02:49 PM

Typical misleading replies by CS's officer. Seems like this is their SOP. Last time when I'm having problem with my cash back also they are bringing me rounding the national garden.

My statement date also in 28th each month.
And to avoid confusion and excuse for HLB to deny cash back, you must complete the rm1000 by 3rd week.
If you full fill the requirement on 1st month, you shall be getting cash back on 2nd month, meaning Dec spending, cash back shall be reflect on Jan statement.
If not, then your Dec spending does not meets the requirement.

UOB payonline don't really give problem. Always is the payer will give problem.

Morale of the story, complete the quota ASAP

Doing any transaction close to end of months is same as jumping bare foot from Tower 1 to Tower 2 on the top floor of twin towers.
When I'm saying sure will have problem when trying luck on this, all attacked me. But when the sheet happens, try to blame third party

For a third party system like UOB payonline to fail, the fault are not by them no matter what happens.
All the time the fault is from card issuing bank.
When I'm making a payment using credit card, it will be settled on the end of day and will keep float for the next 24 hours.

I got "double" charge for rm140 which later I got "refund". Call the shop(as he is my friend) and they only charged once and only get rm140. This means banks has the rights to "refund" a transaction if they want when they deem fraud taken place.
Seems like HLB will block transactions using third party system. If this problem does not settle, suggest to change category

Is pretty simple, if you insist that UOB payonline are giving the trouble, then don't use it

Change your statement date on end or beginning of the month, easier for you to keep track.
What ever it is, you shall not swipe 7 days before end of month.
No doubt the cash back are calculate base on posting date, but sometimes it can coincidentally posted on next month if your quota of rm100 not reached or coincidentally posted on the same month when your quota reached

I think can accumulate for 2 months.

SMS stated on weekends only if not mistaken.

Like that also can? Lucky never put hope on this

I received SMS but throw it
As still in oversea now.

Nope, you are wrong on this, product manager do know their products as they are the people that come out with a product.
Is their duty to mislead customers.
At any 1 time they know better than us on each product being released.
Or are you trying to tell others that a product are being released by loan manager

You break my record of 9 days
You only need to worry when you lost the cash back.

1st year will be free on AF but you may need to pay the 6% of GST.
2nd year(if you are not the lucky 1), AF + GST have to pay.

You may call and try your luck.
That's why you must get rm100 cash back every month for every year. Then even if you got charged on AF, the total rm1200 cash back you got will be able to offset the AF+GST which makes the actual cash back of 8.25%(for gold card).

It will be good only if you already maxed out the 8.25% and other 5% cash back cards.

1st sure can get.
2nd year only 5% of card holder can get.
3rd year I'm still waiting for next month's statement.

I'm 1 of them
And if they are going to waive, they won't charge in the first place.
Once they charged you the AF, it is very hard to get it waived.

Well, if you calculate properly, you won't be getting 10% actually. 8.25% to be exact, still higher than others if you know how to play the game.