Regardless of when you swipe the card, as along as the posting date is in October, it will be under October Cash Back quota of RM100 and to be credited on 28th Nov.

I suppose you are paying for business/commercial electricity bill ?
As cybpsych suggested, pay the balance 1k with MBB2Amex during weekend for maximum gain.
In case you are a frequent flyer, using any mileage CC to pay can yield even better value then 10% CB when you redeem mileage point with air ticket especially long haul business class flight.

If you got your card oct last year, your AF will be billed 1st Nov 2014.

Got, but you got to search this thread. He threaten to cancel the card then HLB gave in and waived the AF. No harm trying though.

Save your precious time and ignore him. Search his previous posts here and you will know why you should ignore him.

Your post#182 was indeed in accordance to standard banking practices and Bafia act. Nothing in your post was defending of HLB but your were conveniently labeled as one.
Seriously, when a person suggested to file a complain to BNM for a mere rejected credit card application, you know what kind of that person's mentality already.

Here we go again I think he can't comprehend the TnC he highlighted in red.
There is nothing wrong with 3.(a) clause and I don't know why this can be an issue.
I suggest mod ban him from posting in this thread as he has again and again posted misleading comments to confused this thread especially new to card readers. He accused HLB cheating, calling Wise credit card a stupid card every time he failed to interpret the Wise card TnC.

If you fulfilled the cash back TnC as stated in the first post. Most probably yes.

Maxis centre should be OK.
But if let say you paid RM1k devise advance payment to Maxis in one single swipe, you still need 9 x >RM50 to qualify for CB. As a result, your cash back % effectively reduce to 6.8% only.
If you pay by MBB2Amex during weekend, you can yield about the same rebate as Wise card but you don't have to concern about MCC code and no need 9x >RM50 additional swipes.

Better check the black and white TnC from HLB website. Some like you said GSC is totally free card, some said free for 1st year only, some reported need to pay both AF and GST on renewal, some said pay GST only on renewal, so many versions.

It's not ridiculous at all. It's very normal.
The branch is not card dept. No authority on credit card matters. Therefore they need to submit the downgrade application to card dept for approval.
Same goes to the card dept has no authority to approve say down grade of your priority banking account to normal banking account.

Two don'ts when applying wise card.
1) don't take the GSC card. Reasons given in post#421 and 422
2) don't choose the Dinning category. Reason being plenty of other cards give better discount then 10% cash back for dinning. Another reason is you are not sure about the cash back entitlement for all makan places.

Great update. Thanks !

Just last week, I was looking for online statement but to no avail.

This card gives 10% cash back to wise people! Mind to tell us why you hate this card so much and keep calling this card as STUPID card?

It's not a spam, it was a legitimate question in this topic as to why he repetitively calling the subject topic as stupid card. Perhaps he has some misunderstandings about this card and he can discuss about it in this thread.

Yes, all his issues was debated and it was over. But the name calling to the card keep coming repetitively after the debate. Unless he has new issue with the card otherwise I don't think such behavior is appropriate in Finance, Business, Investment House forum.
As for the report button, It is only fair to give supersound a chance to explain his action before reporting.

This post has been edited by aeiou228: Nov 28 2014, 09:16 AM

Enjoy while still can. We do not know when this 10% CB will last when the revision of interchange fees to 1% for credit and debit cards takes effect Jan 2, 2015.





Source:
http://www.theedgemarkets.com/en/node/171230

Actually, RM500 (RM50 x 10) is the minimum threshold to qualify for 10 CB, no need to spend more than necessary to max the RM100 cash back cap every month.

Can la, there is a way to get around it. Every day also can enjoy weekend 5% + 5x TP.

Click spoiler if you want to know the trick.

Bro, for month end weekdays, use the method in post #641 above.

I think it is free.
I got mine free from Wise card contest. RM50 x 2 cards.
I used it after CB maxed out.
The petronas staff told me the card is reusable by credit reload but I never reload before because My regular petrol station is Petron and Petron posting date is fast.