Yes it is.

yup seems new directive cant waive AF this year

any idea what is the cooling off period for hlb card ya?
i got rejected for hlb wise card this february- perhaps due to too much outstanding in CCRIS, though payment history is clean (been doing many 0% BT)

will try to apply again with payslips, bank and existing credit cards statement, and asm asw2020 investment book

6 months probably.

But if you can submit your latest information, should be no problem.

And side note : How does 0% BT can raise CCTRIS alert? I thought your credit card A settles the full sun for Credit Card B and you repay Credit Card A according to their payment schedule?

There should be no alert on CCTRIS if you pay everything by due date of the statement right?

i pay in full every month. no single cent of interest charged to my account. my payment record in CCRIS is all nice 0 0 0 0 0 0 0 0 for 12 months

however,
overr CCRIS record there, we can see the total credit limit and also outstanding balances

for examples, for total credit limit for all my credit cards is 100k, but I have RM60k outstanding balances (due to balance transfer). maybe bank will think that i am paying minimum payment for each month only and therefore label me as high risk

AEON supermarket confirm under groceries

No wonder hsbc reject mine application..as i suspect..BT

if my petrol is rm255, then i will get 10% = rm25.5 and round up to rm26?
if my grocery is rm255, then i will get 10% = rm25.5 and round up to rm26?

so i will get rm52 with spending rm510?

Yes.

Guardian, Watson, Caring what category or no for 30% weekend cash back? Thanks.

yes, which is why we suggested the lowest spending to get the highest cashback is rm335(category 1)+rm325(category 2)+rm325(bonus category) = rm985 to get rm100 cashback.

those are under pharmacy category...

is there annual fee for new cardholder for first year? Thanks a lot =)

first year AF is waived.

Hi,

Is Astro and Insurance (prudential...etc) falls under any of the categories? Or they are not entitle for case back?

Thanks.

Both are not eligible.

What about the min RM50/transcation plus swiping 10x? I thought they mentioned cash back is only active when the above is fulfilled?

of coz u have to fulfill that too.

Few questions
1. So if I swipe say 10x but the 10th time is say only RM30. So cashback (CB) is not active?
2. So if I swipe 9x but already >RM500, CB is still not active?
3. CB include in the RM500 (to activate CB) or not included?
4. So if after exceeding RM500, if I swiped some more, I still get 10% CB until RM100 is reached right?

1. You will get all the rebates for 11 transactions provided all within the 3 categories.
Scenario A: You swipe 10x RM50 for categories other than you selected. 11th transaction is RM30 for mobile. Monthly rebate = RM3.
Scenario B: Same as A but the 10 transactions are in the categories you selected. Monthly rebate = RM53.
2. Monthly rebate = RM0.
3. 4. See No. 1.