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

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jkngo2003
post Nov 19 2014, 03:07 PM

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do taobao shopping online under MCC code of grocery? i remember i see somebody try it before and share about it. thanks for info.
jkngo2003
post Jan 31 2015, 10:32 AM

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i will be charged annual fee next month. may i know who successfully waived the annual fee so far?

this is my third year annual fee. first year waived and second year, after i call also waived. i feel hard to waive it this year. if cannot waived, better cut the card o not? pls advice
jkngo2003
post Jan 31 2015, 11:56 AM

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QUOTE(victorywp @ Jan 31 2015, 11:35 AM)
if cannot waive, you need to check how much is your utilisation of the cb every month all the while? are you receiving rm100 cb every month? if yes, it's still worth to keep. another point is whether you are using plat or gold. if plat, you may choose to downgrade it to gold.
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i have used for petrol and grocery around rm 600 every month. however, i have maybank 2 card, watami card, citibank cash back card and cimb master cash back card. since i use wise card, these four cards are not fully utilized. do it possilbe for cs to waive my annual fee if i cancel teh card?
jkngo2003
post Feb 27 2015, 03:21 PM

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QUOTE(supersound @ Feb 27 2015, 02:03 PM)
I'm 1 of them laugh.gif
And if they are going to waive, they won't charge in the first place.
Once they charged you the AF, it is very hard to get it waived.
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i am one of the second year annual fee waived for wise card. my third year annual fee cannot be waived. then i cut the card alr. after one week, cs call me to confirm the cancellation. then she persuades me not cut the card and tell me if i pay the annual fee and gst, i still can get 8.25 percent rebate for rm1200 rebate per year . however, i still cut the card since she didnt waive the annual fee to my third year.

i also tell her to change policy for 8 percent rebate and dont charge the annual fee and i will maintain it. and she just laugh. finally, say byebye to my wise card which with me for two years.

howver, my wife will apply the wise card after gst implementation. i will be bc soon.
jkngo2003
post Feb 28 2015, 08:15 AM

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QUOTE(supersound @ Feb 27 2015, 03:58 PM)
Well, if you calculate properly, you won't be getting 10% actually. 8.25% to be exact, still higher than others if you know how to play the game.
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my expense is not a lot and i cannot maximize the rebate every month. so i only can cancel the card. for petrol rebate, i can use maybank amex or citibank cash back. for grocery and online, i can use cimb mastercard. for other transition, i can use aeon watami. all the card i mention is no annual and all card gst wil be waived after april 2015 oso. that why i terminate the card.

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