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Credit Cards Hong Leong Bank Wise Credit Card V4, 10% Cashback , Up to RM100 per month
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SUSsupersound
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 Dec 9 2014, 10:43 PM
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QUOTE(cybpsych @ Dec 8 2014, 10:23 PM) There is a slight difference between transaction/swipe vs merchant claim from bank vs posting to CC account. In each swipe, the transaction is captured by bank. This transaction is left unclaimed (floating) for 7 days. The merchant need to claim this transaction. Once claimed, only bank can post it to your CC account as successful swipe. If left unclaimed past 7 days, the transaction is failed and removed from your account. Add on another 1-day delay for HLB Connect to refresh the account details. Posting delay with HLB sometimes a double-edged "feature". Good to shift the swipe to next calendar month/bill date (u swipe today but wanted it to get posted later). Bad if you're betting the transaction to be posted in current calendar month (to hit 10x RM50 swipes). I'm with the former method, usually swipe on bill date or last day of the month so that it get posted for next bill or next calendar (cashback reset) if cb already full. I'm buying time to repay the bill  That's why merchants are being advised to do settlement daily. |
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victorywp
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Dec 9 2014, 10:56 PM
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QUOTE(cybpsych @ Dec 8 2014, 10:23 PM) There is a slight difference between transaction/swipe vs merchant claim from bank vs posting to CC account. In each swipe, the transaction is captured by bank. This transaction is left unclaimed (floating) for 7 days. The merchant need to claim this transaction. Once claimed, only bank can post it to your CC account as successful swipe. If left unclaimed past 7 days, the transaction is failed and removed from your account. Add on another 1-day delay for HLB Connect to refresh the account details. Posting delay with HLB sometimes a double-edged "feature". Good to shift the swipe to next calendar month/bill date (u swipe today but wanted it to get posted later). Bad if you're betting the transaction to be posted in current calendar month (to hit 10x RM50 swipes). I'm with the former method, usually swipe on bill date or last day of the month so that it get posted for next bill or next calendar (cashback reset) if cb already full. I'm buying time to repay the bill how about cases whereby a merchant only claim after months or years later? is the merchant still in the position to claim? and whether we have the right not to pay?  |
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mentalkronik
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Dec 9 2014, 11:13 PM
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Getting Started
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Want to ask regarding yearly fee and GSt for this WISE card. How much need to pay? can waive or not?
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Prodigenous Zee
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Dec 9 2014, 11:30 PM
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QUOTE(mentalkronik @ Dec 9 2014, 11:13 PM) Want to ask regarding yearly fee and GSt for this WISE card. How much need to pay? can waive or not? Please refer to the opening post of this thread. All the relevant information is there, courtesy of ronnie. |
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SUSsupersound
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Dec 10 2014, 07:54 AM
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QUOTE(mentalkronik @ Dec 9 2014, 11:13 PM) Want to ask regarding yearly fee and GSt for this WISE card. How much need to pay? can waive or not? Can try, but not all can get. That's why you need to get gold instead of platinum. AF is rm160 only and with GST of rm50, you need to pay rm210. By spending sharp rm990-1000 every month, the effective cash back is 8.25%. Any amount lesser than what I said, the lesser the effective cash back. |
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SUSsupersound
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Dec 10 2014, 07:56 AM
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QUOTE(Prodigenous Zee @ Dec 9 2014, 11:30 PM) Please refer to the opening post of this thread. All the relevant information is there, courtesy of ronnie. Those are just copy and paste info, not much help. Not even touching how to optimizing the cash back and what to avoid, how HLB deny a cash back and so on. |
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Prodigenous Zee
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Dec 10 2014, 08:55 AM
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QUOTE(supersound @ Dec 10 2014, 07:56 AM) Those are just copy and paste info, not much help. Not even touching how to optimizing the cash back and what to avoid, how HLB deny a cash back and so on. They were asking about the most basic questions, where all of it is inside the first post. If they had asked a more advanced question like that, then it would be fine  |
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arthur88
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Dec 10 2014, 11:10 AM
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in UOB Pay Onine, when paying tnb bill, it ask for BILL NO, that is KONTRAK NO in tnb bill?
or other things?
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arthur88
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Dec 10 2014, 11:14 AM
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btw, unifi not listed as utilities?
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Chinus
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Dec 10 2014, 12:23 PM
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QUOTE(arthur88 @ Dec 10 2014, 11:14 AM) btw, unifi not listed as utilities? Unifi/TM/Astro is not listed as Utilities. |
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tsfatt00
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Dec 10 2014, 10:53 PM
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New Member
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if I split my tnb bill into 5 and pay in the same day, will it be problem??
This post has been edited by tsfatt00: Dec 10 2014, 10:56 PM
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SUSsupersound
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Dec 10 2014, 11:40 PM
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QUOTE(tsfatt00 @ Dec 10 2014, 10:53 PM) if I split my tnb bill into 5 and pay in the same day, will it be problem?? Nope. This is what most people doing for this card. |
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n3utronic
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Dec 11 2014, 12:01 PM
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Getting Started
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QUOTE(supersound @ Dec 9 2014, 05:54 PM) Can try, but not all can get. That's why you need to get gold instead of platinum. AF is rm160 only and with GST of rm50, you need to pay rm210. By spending sharp rm990-1000 every month, the effective cash back is 8.25%. Any amount lesser than what I said, the lesser the effective cash back. can anybody who did actually try to get AF waiver share their experience here? would like to see how many got rejected and if there's anybody at all got the waiver. if got what's the best excuse  |
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SUSsupersound
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Dec 11 2014, 01:51 PM
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QUOTE(n3utronic @ Dec 11 2014, 12:01 PM) can anybody who did actually try to get AF waiver share their experience here? would like to see how many got rejected and if there's anybody at all got the waiver. if got what's the best excuse If you call them, chances to get rejected are very high, still no harm to try. Like mine is they auto waive my AF. |
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arthur88
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Dec 11 2014, 04:11 PM
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 the bill no is the barcode at the bottom? |
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cdspins
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Dec 12 2014, 09:03 AM
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Bill no is account no... is number 1 .... I think.
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arthur88
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Dec 12 2014, 09:13 AM
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then u must be never open uobpayonline....
i called tnb cs ystdy, they told me is the last 8 digit of the barcode at the bottom...
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luminaryxi
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Dec 12 2014, 10:29 AM
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i know this is an open ended question. but may i know this card or maybank amex is better? anyone have experience using both? iven ever use cc, applying now just for convenience sake. i dont use for petrol .
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victorywp
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Dec 12 2014, 10:37 AM
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QUOTE(luminaryxi @ Dec 12 2014, 10:29 AM) i know this is an open ended question. but may i know this card or maybank amex is better? anyone have experience using both? iven ever use cc, applying now just for convenience sake. i dont use for petrol . mbb2amex is more straight forward, as long as the merchant acccept amex, you can get 5%+5xtp (weekends) or 5xtp (weekdays). hlb wise is depending on merchant code + their strict t&c requirements, but if you able to play by the rules, you can get 10% everyday. |
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luminaryxi
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Dec 12 2014, 11:00 AM
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QUOTE(victorywp @ Dec 12 2014, 10:37 AM) mbb2amex is more straight forward, as long as the merchant acccept amex, you can get 5%+5xtp (weekends) or 5xtp (weekdays). hlb wise is depending on merchant code + their strict t&c requirements, but if you able to play by the rules, you can get 10% everyday. thanks for the reply ! seems bit tedious la hong leong |
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