Regarding the AF, should I:
a. wait for HL to charge the AF then call them to waive or
b. call HL before they even charge me?

if i choose a., and HL refuse to waive and I cancel the card, do i still need to pay the AF?

thanks in advance

if u read the previous posts, some users were informed that they cant apply Wise Gold.

there's no impact to existing customers (yet? ) since it's not applicable to new application.


either HLB is pre-empting this change with NEW card or benefit reduction. just guessing. #prayforhlb2bwiser

Most likely u have to wait before call to waive

Most likely hlb wil no waive for u.

U can choose to cancel the card without pay the AF if no transaction after the AF charged

As long as hlb no send another cc to upgrade u, it will be remain as gold.
Cos gold card have different first 6 digit card no as compare to plantinum card

No chance to waive AF better cancel before your anniversary mth to avoid paying for it if you dont want the card anymore

How long you been using it?
If you are consistently spending rm985-1000 and getting rm100 of cash back, then it is still worth to use, since the effective cash back are 8% which still better than others

thanks sms2u DM3

supersound going into 3rd month using it, first month spent ~600; second month spent >1k
so I will continue using it.

apart from that, I also benefited from the 30% Weekend CB campaign.

HL even announced the winners and given the CB to us while the campaign is still on-going!

and i can confirm that the transaction for the campaign is based on the "Transaction Date"

This post has been edited by wca: Jul 3 2015, 07:42 PM

Nope, if you can't spend consistently every month, there's no point on having this card.
For cash back calculations, it is based on posting date of that month.
To avoid any problem, is good that you don't use it on the last 3-5 days each month. The highest record ever for me to get a transaction posted is 9 days That's when my cash back are not maximum yet.

i just got HL Mach Card last month. If I apply this HL Wise card, do I need to submit docs again?
I heard some said if share credit limit no need to submit new doc, but Mach card can share credit limit with HL conventional cc?

yes. they share CL. i have mach and essentials

ic thanks..

I am still thinking shall I apply Wise or essential or maybe take both?
May I know if I want share limit to my existing card, where should I apply it? Branch? Booth to get free gift? or call them will do?

they will be shared limit by default. think it's a practice by most banks nowadays. did mine online. just send in d application form only as i already have mach with them

yes that machine. didnt try maxis pay yet. maxis pay last time using cimb cash rebate is NOT under online categories

good then

SHARE. So make sure both combined usage max is rm1k only coz after that no cashback nor points, useless

mine also gold. even during apply hlb want to give plat. i said i want gold

btw, bank should call 1st before upgrade the card type.

off topic,
based on my experience with hsbc, i just ok with plat but they keep calling ask me to upgrade to signature for free, no need to submit docs etc.
my personal reason is plat 8x points up to rm3000 while signature up to rm1500 only. plus, my plat is free for life (got black & white) but signature they not able to give me that, instead ask me to call every year to wave the AF. no i dont want. iinm, in 1 week get about 3 calls from them!

in the end, they call me just to ask permission to upgrade my CL as signature. need me to say agree on the phone. ok this 1 i just say agree

This post has been edited by erry-: Jul 3 2015, 10:27 PM

I know the monthly RM100 CB is based on Posting Date, and you are right.

I was refering to the 30% CB CAMPAIGN, Transaction Day is applied (Weekday 3x swipe, Monday to Friday/Weekend Saturday & Sunday), you will be entitled the CB regardless the Posting Date. First hand experience.

Those that are promotion period offers I won't touch on it, waste of time sometimes. As not all will be getting it.

Even thought this promotion is first come first serve
But, all those meet the requirement in week 1 and week 2 got the rebate becos the manx Rm50000 cash rebate no fully given for week 1 and week 2

@

yes i won week 1 and week 2 with swipe on sunday 5pm

Last month I did it on 1st week but I only get a hair from their CEO

Gosh juz apply few day bck...no wonder so many moss xall frm them...mayb wan inform bout this...