thanks for the reply ! seems bit tedious la hong leong

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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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

Guys, regarding the payonline website, if i pay multiple bill in one transaction, at the end only 1 transaction count will show in my HLB bill?

yeah, better to pay separately with one tac for each transaction.

Thanks for the answer.
Just get my card few days back and i just realise i am receiving platinum card which i have to pay RM300 AF
Any successful card downgrade case before?

Hi, anyone had overpaid HLB CC before? Able to ask CS to transfer the overpaid amount to savings account? How long the whole process take? Thanks.

if the overpaid amount is small, no need bother, it will be taken note as ur credit limit...
for eg, u got 6000 limit, u overpaid 100, then ur credit limit become 6100...

I wish to overpay tthrough BT & cash out overpay amount, I.e. 12k

Check the balance transfer thread, multiple people done before. I didn't though.

the example of "bad" customer 

You mean 'WISE' customer?

squeezing the max benefit from bank and without letting them to earn any extra, i suppose that's bad customer in term of bank perspective? 

not yet squeeze hlb to the max.
the max is spent rm11,820 but still get rm1,200 rebate. hehe...

haha, I only use 2 category, hard to count so nvm.