Upon application, you can choose either stainless steel food container, cute plastic coin bank..etc , if approve then can get car detoxifier (t&c applied)
I went giant usj 1 again last week, the booth is no longer there.

yes. me too.

I did perform a downgrade for my wise card from platinium to gold 5 months before the card anniversary..i just give a call to the customer service..they just help me to sort out everything and I got my gold wise card in 2 weeks time..mayb u all should try to downgrade the card before u reach your anniversary month..hope this information will help on the downgrade card option.

according to cs, i have to walk in to any branch and appeal by fill in some kind of forms. then have to wait for management approval. no guarantee 

This is ridiculous, upgrade need approval but downgrade also need approval ?

Hi I just called the CS and they told me have to submit the request from the branch. It is not possible to do it via the phone due to change the card category. May I know if your case just done via phone only? Thx

Guys just called maxis to check if my iphone transaction is included in the rebate. Mcc code is 4812, however in the mcc list, it states telecommunication equipments, normal bill payment is what mcc ah?

Guys just called maxis to check if my iphone transaction is included in the rebate. Mcc code is 4812, however in the mcc list, it states telecommunication equipments, normal bill payment is what mcc ah?

It's not ridiculous at all. It's very normal.
The branch is not card dept. No authority on credit card matters. Therefore they need to submit the downgrade application to card dept for approval.
Same goes to the card dept has no authority to approve say down grade of your priority banking account to normal banking account.

Hong Leong Wise sure very good business.
Cancelled the card yesterday due to AF coming up and no question was asked.

Visa only charging 1-3% while we are getting 8.25%(if you spend every month rm1000 sharp).
They are expecting you to spend more to dilute the cash back.

Still a win win situation though 

For credit card usage, they are expecting us to spend as much as possible.
But then with all the stupid T&Cs, most people will only spend rm1000 sharp on this card. Even I brain wash my uncle to get this card(monthly on fuel alone > rm1000).

For the flithy rich, maybe they just dont care.
But for budget user like us, we need to maximize everything. 

Maybe, maybe not. Even if i rich also will still do the same.

Erm... very subjective.

In my opinion, those filthy rich may just get a premier card like Maybank and earn for the Enrich miles to get a better returns.
This cash rebate they will overlook it as it does not benefit them much.