Signed up for this card at the Big Bad Wolf 24 hours sale recently and only after receiving the card, I gave the customer service a call and felt that the sales agent was not entirely truthful about the whole thing.

1. The sales agent mentioned that Annual Fees can be waived yearly. Not true. The fact is they only waive for the first year and next year they charge with no possible chance of waiver. They told me since they give up to RM100 per month cash back there was no way to waive annual fees already. For platinum holders, RM300 is steep.

2. You only get 10% cash back when you swipe 10x in a month of RM50 and above per transaction in your selected category. Again, the sales person failed to tell me that there is a minimum of 10x swipes. This is not a deal breaker though coz everytime I pump a full tank it already exceeds RM100 so it just means breaking down petrol bills to RM50 per visit. More visits to the petrol station is OK, I guess.

3. This is the deal breaker for me. Although I signed up for the Wise card, the sales agent also took the liberty to send me HLB's GSC card without my consent, which I didn't apply for and didn't request. I don't see a need for this card so I called the CS to cancel it and he says I can't do it because it was a combo card deal. Meaning I will have to cancel both cards if I didn't want the GSC card. First time I come across such nonsense.

Maybe it's my fault for not getting more details from the sales agent, but I signed up in a very packed book sale in the middle of the night so I wanted to get things moving fast. This was my first experience applying a credit card with HLB and will be my last.

I will cancel both cards after New Year's Day.

I always cross [FOR XXXX BANK USE ONLY]