Just realized that I wasn't charged nor waived for AF for the first year. So does that mean I won't be charged as well in the second year? (cross fingers)

U know them? They want it with normal price?

Yup, I never spend money on those chemical coffee franchise shops.
If I got them for rm30, I sell 1 at rm30, 2 at rm59.5(sometimes). Why they still willing to take as they no need hunt for them

Errm, that seems another way, but u need petrol and time to do that.

Did you fulfill the 12 swipe in 12 month for the GSC? If yes then defenately you can waive the GSC card AF, if not then you have no choice but cancel both WISE and GSC card. As you can't cancel only one of the combo card.

What is the benfit to apply combo? Why no just apply wise or apply both wise and gsc separately?

Not really, those shops are my regular hang out place, 1 is 10KM away and another walking distance. In other sense, they are paying my petrol

Apply combo card can get free gift like car recorder, Tower Fan. But many here i believe they get their combo (Wise+GSC) because of those unprofessional card agents that add in the comba for for them when they just apply for wise card.

Apply both wise have no benefit for the cash back as it's capped at Rm100 for principal only. So no point to get 2 wise card

I means apply both wise and gsc separately.
Meaning apply wise gold cc and then follow by apply gsc, this way can cancel separately.

I no meaning to apply wise gold and wise plantinum> Do bank allow? If bank allow also, I think noboidy will do that.

May i know how is the cash back function. Cause the cashback always calculate on 28th date. Eg. My statement is from 1st to 28th then it must 10 transaction in tat period? Then the next statement 29th (with 31 ) to 25th. No cashback as no 28th date.then the next statement 26th will include 2month cash back with cap of 200?

cashback calculation (including the 10xRM50 transactions) is per calendar month; based on posting date

cashback given on the following 28th.

bill date has no relation to the cashback.

"In the event the Cash-Back due to the Cardholder falls on or after the date of the Cardholder’s Statement, the Cash-Back will only be reflected in the Cardholder’s Statement in the next following month."
https://www.hlb.com.my/main/assets/files/ccwise_tc_en.pdf
Read all the T&C carefully, the above I just simply extract out.
So in other sense, I strongly suggest that don't swipe this card on 4-7 days before end of the month.
Like now AeonBig are giving store wide 5% discount on 28th every month, months with 30(or 28,29) days you are trying your luck. As HLB may take 3 days to post your transaction.
So best is buy the gift card and use it on 28th.

Guys, so just to confirm. I've just received my Wise card on early Nov, and my statement date is on 27th each month, so I have managed to complete 10 x RM50 transactions on Nov, I am supposed to only see my cash back on the 28th Dec right?

And since my statement is only until 27th Dec, so I will only see my Nov cash back on the following month's (27th Jan) statement right? Because for my 27th Dec statement, I still have not seen any of my Nov's cash back.

You need to really understand that T&C.
For me, if statement date is 27th, 21st will be my last transaction day.

yes.

this scenario is a bit tricky to track, so, perhaps you could request to change your bill date?

Yes for both of your questions.

Your are correct.

Statement date has no bearing on Cash back entitlement. As long as all your qualified transactions posted in a CALENDER month, your November cash bank will be CREDITED on 28th Dec regardless of your statement date. You just don't get the see the cash back dated 28th Dec in your statement dated 27th Dec, but don't worry, you can always login to your account to view it few days later.

By the way, you can take a pinch of salt on supersound's suggestion to stop using WISE card after 21st. It's absolutely unnecessary. Retail transactions normally gets posted the next day. 3 days before month end should get your last minute WISE card chargers posted in a current month.

The trick of the game is to hit 10 x >RM50 requirement as early as possible, say...before 20th of a calender month, then the remaining balance 7 days of the calender month is for you to max out the RM100 cash back monthly cap. With this strategy, you don't have to worry so much about current month transactions get posted to the following month as the lost is merely not being able to achieve current month maximum cash back quota but you will still be able to get the cash back in the following month quota.

Another trick is that you can start using WISE card on non HLB merchant on the very last day of a calender month for next month cash back quota as the transactions will be posted in the following month. To find out which are the non HLB merchants, check your past statements for the transactions that requires 1 day (next day) posting day.

This post has been edited by aeiou228: Dec 29 2014, 05:24 PM

how do i check which category i choose currently?

AFAIK, calling CS is the only way.

Infront saying I'm bullshitting, but after that ask people doing what I'm doing