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Credit Cards Hong Leong Bank Wise Credit Card V4, 10% Cashback , Up to RM100 per month

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XCloudz
post Dec 31 2014, 02:59 PM

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QUOTE(Devil4life @ Dec 31 2014, 02:22 PM)
You can try, I heard Store is using HLB terminal.
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Same as I do.

QUOTE(supersound @ Dec 31 2014, 02:47 PM)
Try your luck only.
10-Dec-2014 12-Dec-2014 THE STORE-J.TUANKU MUNAW SEREMBAN MYS  53.75
Just for the sake on pouring salt in your wound, this is the transaction I did in The Store hmm.gif
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No problem, will try my luck and see.
SUSsupersound
post Dec 31 2014, 03:03 PM

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QUOTE(Devil4life @ Dec 31 2014, 02:22 PM)
You can try, I heard Store is using HLB terminal.
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Nothing to do with the terminal, have to depend when they do settlement. If today they are extending the business hours, then they will do later sweat.gif
Wongchoy
post Dec 31 2014, 05:59 PM

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QUOTE(XCloudz @ Dec 31 2014, 02:21 PM)
I heard the store supermarket groceries is a hlb merchant which have the higher chance that the transaction get posted the same day...any experience it before?
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In fact it is. But they are also MBB merchant too! If they process using MBB terminal, your posting date will be 1-2 days later brows.gif
cybpsych
post Dec 31 2014, 06:02 PM

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QUOTE(XCloudz @ Dec 31 2014, 01:40 PM)
Urgently need advise which shop for groceries, petrol, mobile category will get posted the same day? I mis calculated this month required one more transaction....today is the last day already....
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just wondering, how do you track your Wise transactions?
Wongchoy
post Dec 31 2014, 06:08 PM

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QUOTE(XCloudz @ Dec 31 2014, 01:40 PM)
Urgently need advise which shop for groceries, petrol, mobile category will get posted the same day? I mis calculated this month required one more transaction....today is the last day already....
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Petrol & mobile you better forget it. Grocery you can go The Store. For Dining option, go to Sushi King for dinner. And make sure your card is process by HLB terminal ! If not you can say au revoir to $$.

This post has been edited by Wongchoy: Dec 31 2014, 06:11 PM
izjenm
post Dec 31 2014, 09:16 PM

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QUOTE(supersound @ Dec 29 2014, 02:57 PM)
"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.
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I don't really understand what it means.My poor English...
I just worry they calculate wrong again.
Example it means like :
Statement 1 : 31 Dec - 27 Jan : 20 x RM50 petrol = RM100 rebate ( will get on next statement)
Statement 2 : 28 Jan - 24 Feb : 20 x RM50 petrol = RM100 rebate (RM100 from January statement) , This month RM100 only reflect on next statement.
I had problem with Hong Leong Wise card many times before as they miscalculate my rebates. They pay me back rebates later after complain... Their CS is good... got reply and feedback...
I even do an excel containing all transaction. May be they miscalculate mine transaction again. So need call back again.
It made me very confusing. Some rebate not rebate to me but i let it go lately....no call complain as i get free pensonic thermo pot (last time promo swipe how many amount get free)and pensonic tower fan(i don't know why they give me .. may be i swipe ngam ngam on their promo).

The WORST THING 2nd year i had to pay RM160 annual fee + RM50 GST. The GSC card waive for both. This card good for no need queue during buy food and beverage...
Can't waive...

eddievh
post Dec 31 2014, 09:30 PM

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Wise card expert wanna consult you all, my wise this month already max the cb I do swipe rm90 just now at tesco if they post it tomorrow which is 1 jan this transaction still consider jan calendar month right ?
cybpsych
post Dec 31 2014, 09:32 PM

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QUOTE(eddievh @ Dec 31 2014, 09:30 PM)
Wise card expert wanna consult you all, my wise this month already max the cb I do swipe rm90 just now at tesco if they post it tomorrow which is 1 jan this transaction still consider jan calendar month right ?
*
yep.

that's the "beauty" of cashback based on posting date laugh.gif
cybpsych
post Dec 31 2014, 09:34 PM

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QUOTE(izjenm @ Dec 31 2014, 09:16 PM)
I don't really understand what it means.My poor English...
I just worry they calculate wrong again.
Example it means like :
Statement 1 :  31 Dec - 27 Jan : 20 x RM50 petrol = RM100 rebate ( will get on next statement)
Statement 2 :  28 Jan - 24 Feb : 20 x RM50 petrol = RM100 rebate (RM100 from January statement) , This month RM100 only reflect on next statement.

I had problem with Hong Leong Wise card many times before as they miscalculate my rebates. They pay me back rebates later after complain... Their CS is good... got reply and feedback...
I even do an excel containing all transaction. May be they miscalculate mine transaction again. So need call back again.
It made me very confusing. Some rebate not rebate to me but i let it go lately....no call complain as i get free pensonic thermo pot (last time promo swipe how many amount get free)and pensonic tower fan(i don't know why they give me .. may be i swipe ngam ngam on their promo).

The WORST THING 2nd year i had to pay RM160 annual fee + RM50 GST. The GSC card waive for both. This card good for no need queue during buy food and beverage...
Can't waive...
*
what's you definition of "statement 1" and "statement 2"? rclxub.gif credit card statement? the dates are not consistent.
XCloudz
post Dec 31 2014, 09:35 PM

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QUOTE(Wongchoy @ Dec 31 2014, 05:59 PM)
In fact it is. But they are also MBB merchant too! If they process using MBB terminal, your posting date will be 1-2 days later  brows.gif
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Yes, you are right, went to The Store at Jalan Ipoh, Using MBB terminal...aikz...no hope for my Dec CB already....

QUOTE(cybpsych @ Dec 31 2014, 06:02 PM)
just wondering, how do you track your Wise transactions?
*
Usually I track it online, login to HLB Online.

QUOTE(Wongchoy @ Dec 31 2014, 06:08 PM)
Petrol & mobile you better forget it. Grocery you can go The Store. For Dining option, go to Sushi King for dinner. And make sure your card is process by HLB terminal ! If not you can say au revoir to $$.
*
Yes tried, but too bad it is using MBB terminal instead of HLB termnal...
cybpsych
post Dec 31 2014, 09:36 PM

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QUOTE(XCloudz @ Dec 31 2014, 09:35 PM)
Usually I track it online, login to HLB Online.
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still ok via hlb online, but how come missed out the count? should've monitored it closely, somewhere middle of the month.
SUSsupersound
post Dec 31 2014, 09:40 PM

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QUOTE(izjenm @ Dec 31 2014, 09:16 PM)
I don't really understand what it means.My poor English...
I just worry they calculate wrong again.
Example it means like :
Statement 1 :  31 Dec - 27 Jan : 20 x RM50 petrol = RM100 rebate ( will get on next statement)
Statement 2 :  28 Jan - 24 Feb : 20 x RM50 petrol = RM100 rebate (RM100 from January statement) , This month RM100 only reflect on next statement.
I had problem with Hong Leong Wise card many times before as they miscalculate my rebates. They pay me back rebates later after complain... Their CS is good... got reply and feedback...
I even do an excel containing all transaction. May be they miscalculate mine transaction again. So need call back again.
It made me very confusing. Some rebate not rebate to me but i let it go lately....no call complain as i get free pensonic thermo pot (last time promo swipe how many amount get free)and pensonic tower fan(i don't know why they give me .. may be i swipe ngam ngam on their promo).

The WORST THING 2nd year i had to pay RM160 annual fee + RM50 GST. The GSC card waive for both. This card good for no need queue during buy food and beverage...
Can't waive...
*
Basically their system are kinda poor, so I'm allowing HLB 1 week before end of month.
For your 28th to 31st transactions, they may post it on the same month, my case were 28th of Feb transaction coincidentally posted on same day when I already spent rm1000. Then another case was posted 3 days after transaction where my quota of rm1000 not reached. Not to mention a transaction took 9 days to get posted and another later transaction at the same place got posted before this 9 days sweat.gif
To avoid disappointment and confusion, now I try to hit my target by 20th.
aeiou228
post Dec 31 2014, 09:44 PM

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QUOTE(eddievh @ Dec 31 2014, 09:30 PM)
Wise card expert wanna consult you all, my wise this month already max the cb I do swipe rm90 just now at tesco if they post it tomorrow which is 1 jan this transaction still consider jan calendar month right ?
*
Same situation here. CB already max this month but swiped RM125 for TnG and prepaid reload at Giant today just because I saw a non familiar face manning the counter rokok. So I tried my luck and bingo !!! the blur blur cashier accepted payment by card. haha...!!
I know Giant transactions will be posted the next day. ie Jan 2015.
CalvinCLK
post Dec 31 2014, 09:44 PM

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Any idea what time will they update their posting? I am expecting 3 to be posted today but nothing is seen yet.
cybpsych
post Dec 31 2014, 09:50 PM

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QUOTE(CalvinCLK @ Dec 31 2014, 09:44 PM)
Any idea what time will they update their posting? I am expecting 3 to be posted today but nothing is seen yet.
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who are they? HLB?

posting to where? HLB Connect?

when did you swipe?

generally, usually by 3rd day.

e.g. swipe 31 Dec, posted to your cc account 1 Jan (you can roughly know if your CL decreased), HLB Connect only refreshed and show the transaction on 2 Jan.
XCloudz
post Dec 31 2014, 09:54 PM

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QUOTE(cybpsych @ Dec 31 2014, 09:36 PM)
still ok via hlb online, but how come missed out the count? should've monitored it closely, somewhere middle of the month.
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Yes I never missed even once for the past 1 year + since i got the card....
this month was on long leave and a busy month, therefore somehow i missed it jor lor...aih....
CalvinCLK
post Dec 31 2014, 09:54 PM

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QUOTE(cybpsych @ Dec 31 2014, 09:50 PM)
who are they? HLB?

posting to where? HLB Connect?

when did you swipe?

generally, usually by 3rd day.

e.g. swipe 31 Dec, posted to your cc account 1 Jan (you can roughly know if your CL decreased), HLB Connect only refreshed and show the transaction on 2 Jan.
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Sorry. HLB on HLB Connect. MaxisPay usually get posted T+2 day. Transacted on 29Dec, expect to see posting date @ 31dec.

This post has been edited by CalvinCLK: Dec 31 2014, 09:54 PM
cybpsych
post Dec 31 2014, 10:02 PM

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QUOTE(CalvinCLK @ Dec 31 2014, 09:54 PM)
Sorry. HLB on HLB Connect. MaxisPay usually get posted T+2 day. Transacted on 29Dec, expect to see posting date @ 31dec.
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most likely late posting to 31-Dec instead of 30-Dec, that means tomorrow can see it in HLB Connect.
CalvinCLK
post Dec 31 2014, 10:05 PM

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QUOTE(cybpsych @ Dec 31 2014, 10:02 PM)
most likely late posting to 31-Dec instead of 30-Dec, that means tomorrow can see it in HLB Connect.
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Thanks. smile.gif
SUSsupersound
post Jan 1 2015, 10:28 AM

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Starting the new year with Milo stock pilling, rm29.88 at Giant.
Just pay my Maxis bills using Maxis Pay and done 8 transactions, no OTP sending error or what ever issue. Looks like it will have issue only when reaching end of month.

This post has been edited by supersound: Jan 1 2015, 10:43 AM

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