Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Hong Leong Bank Wise Credit Card V5, 10% Cashback , Up to RM100 per month
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 Jul 25 2015, 12:55 PM
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Senior Member
11,554 posts Joined: Aug 2009 
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QUOTE(karcity @ Jul 25 2015, 12:26 PM) I think HL cc is easy to apply provided you have other cc for more than a year. I used to have wise card plus fortune card though I cancel one now. Do you have other cc for more than a year? Not really, I can have 10 cc but having bad repayment records I may get rejected also. |
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Jul 25 2015, 01:41 PM
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Junior Member
186 posts Joined: Jan 2003 
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QUOTE(chiahau @ Jul 25 2015, 10:39 AM) 3k more than enough. The success to get card, subject to debt ratio <65% ? Confirmed by : HLB Damansara Utama staff. Anyway to confirm, success rate if debt ratio >65% ? I also twice rejected previously due to high debt ratio >80% |
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Jul 25 2015, 01:42 PM
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All Stars
14,082 posts Joined: Aug 2009 From: Malaysia
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QUOTE(yorae9 @ Jul 25 2015, 01:41 PM) The success to get card, subject to debt ratio <65% ? You put FD, Terus no need see all those one....Anyway to confirm, success rate if debt ratio >65% ? I also twice rejected previously due to high debt ratio >80% |
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Jul 25 2015, 01:59 PM
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(yorae9 @ Jul 25 2015, 01:41 PM) The success to get card, subject to debt ratio <65% ? What I can say is HLB is very serious about DSR and they won't consider granting a loan if DSR is high.Anyway to confirm, success rate if debt ratio >65% ? I also twice rejected previously due to high debt ratio >80% |
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Jul 25 2015, 06:10 PM
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Junior Member
191 posts Joined: Oct 2010
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Is hlb wise card only have platinum and no more for gold card. The customer service guy at Hlb kota kemuning told me last Friday.
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Jul 25 2015, 06:53 PM
Show posts by this member only | IPv6 | Post
#826
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Junior Member
387 posts Joined: Jan 2003
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QUOTE Hong Leong Bank Wise Credit Card V4 Received a call to offer hlb card last two week, take the wise and got card , I am back to swipes, but why the name and number print is gold...keni988 Posted on: Jan 18 2015, 03:09 PM Due to annual GST on 3-Jan, called to cancel my wise card on 26-Dec and phone banker say will call back but actually they blocked my account immediately and cancel without question by sending letter to your address. Didn't got my cash back that should be posted on 28-Dec. Efficient on the cancellation. So guys, if you want to cancel, make sure you check online that last cash back is in the account and spend it before you cancel |
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Jul 25 2015, 07:14 PM
Show posts by this member only | IPv6 | Post
#827
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Junior Member
387 posts Joined: Jan 2003
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QUOTE(roger roger @ Jul 15 2015, 10:01 AM) just got the wise gold card. same print color as platinum wise, only thing is without the "platinum" words imprint in Italic and the embossed wording color is "GOLD" Now I know mine is gold card |
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Jul 25 2015, 07:14 PM
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Senior Member
700 posts Joined: Oct 2014
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QUOTE(keni988 @ Jul 25 2015, 06:53 PM) Received a call to offer hlb card last two week, take the wise and got card , I am back to swipes, but why the name and number print is gold... Mine one also gold colour..any problem with that? |
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Jul 25 2015, 07:15 PM
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Senior Member
700 posts Joined: Oct 2014
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QUOTE(keni988 @ Jul 25 2015, 07:14 PM) Now I know mine is gold card Gold card better. Less AF |
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Jul 25 2015, 07:39 PM
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Junior Member
182 posts Joined: Jul 2013
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I understand that some forumers here did receive calls from HLB for reinstating their cancelled HLB credit cards. I received the same offer yesterday. At first, she offered me Essential card but I request for Wise card.
Asked if the annual fee will be charged if I agree to reinstate my cancelled HLB Wise Gold card only (cut combo Wise + GSC in March 2015), she said there is no annual fee for the first year. However, I need to pay it for the second year. In addition, I would get 50% cash rebate (max rebate rm80) for the first swipe with the reinstated card. My questions, 1. Is it guaranteed that I would receive the card or it is subject to approval again? 2. Will there be any notification from HLB for the reinstated card? SMS? This is my first time reinstating a cancelled card. Seking advice from forumers with the experience. |
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Jul 25 2015, 08:29 PM
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(lucas114 @ Jul 25 2015, 07:39 PM) I understand that some forumers here did receive calls from HLB for reinstating their cancelled HLB credit cards. I received the same offer yesterday. At first, she offered me Essential card but I request for Wise card. He got the answer peri periAsked if the annual fee will be charged if I agree to reinstate my cancelled HLB Wise Gold card only (cut combo Wise + GSC in March 2015), she said there is no annual fee for the first year. However, I need to pay it for the second year. In addition, I would get 50% cash rebate (max rebate rm80) for the first swipe with the reinstated card. My questions, 1. Is it guaranteed that I would receive the card or it is subject to approval again? 2. Will there be any notification from HLB for the reinstated card? SMS? This is my first time reinstating a cancelled card. Seking advice from forumers with the experience. This post has been edited by Wongchoy: Jul 25 2015, 08:39 PM |
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Jul 25 2015, 08:50 PM
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Senior Member
1,081 posts Joined: Oct 2009
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actually how long does hlb need for approval? 9/7 hlb called for information confirm.. till now no news... any idea?
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Jul 25 2015, 08:54 PM
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Senior Member
6,955 posts Joined: Apr 2008
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QUOTE(Wongchoy @ Jul 25 2015, 08:29 PM) He got the answer peri peri Doesn't mean he's willing to share  |
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Jul 25 2015, 09:49 PM
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All Stars
17,515 posts Joined: Feb 2006 From: KL
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QUOTE(chrischiang @ Jul 25 2015, 08:50 PM) actually how long does hlb need for approval? 9/7 hlb called for information confirm.. till now no news... any idea? not sure about wise but my application for essentials took about 3 weeks before i got d approval sms |
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Jul 25 2015, 10:54 PM
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Senior Member
5,608 posts Joined: Jan 2010
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Jul 26 2015, 01:46 PM
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Senior Member
4,230 posts Joined: Sep 2010 From: Malacca
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QUOTE(supersound @ Jul 25 2015, 07:53 AM) This I not sure already. Hey bro, I call and enter details but the system says no details on application, meant the staff never do her job?Usually it is 3 weeks when you submitted all documents  |
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Jul 26 2015, 02:15 PM
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(MrLoo @ Jul 26 2015, 01:46 PM) Hey bro, I call and enter details but the system says no details on application, meant the staff never do her job? Could be, that's why I prefer to apply from bank's branch |
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Jul 26 2015, 03:30 PM
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All Stars
17,515 posts Joined: Feb 2006 From: KL
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QUOTE(MrLoo @ Jul 26 2015, 01:46 PM) Hey bro, I call and enter details but the system says no details on application, meant the staff never do her job? it will take some time before it 'appears' |
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Jul 26 2015, 03:32 PM
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Senior Member
568 posts Joined: Jun 2011
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gold card still able to apply? my income around 40K annually.
i think this is the best card to pay utility bills compare to maybank2card, any choice? |
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Jul 26 2015, 03:33 PM
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Senior Member
568 posts Joined: Jun 2011
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and telekom malaysia, consider as utility? because i saw their tnc only show tnb and syabas as utility
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