need ask sifu here,
didnt have hl bank account before.
can apply auto-debit on the cc payment?
from hl account? or non hl account?
kamxia

Just pay via GIRO from any other banks.

HLB insist to waive for me on my platinum card. Only can give 50% discount.
End up, I terminate the card.
Reapply back after 2 mth. The card get approved less than 10 days.

Good for you and very lucky indeed.
Try doing it again next year.
Actually 50% is not a bad deal at all. I hope this time you have applied the Gold card instead.

insist to waive or not to waive?

reapply after two months means u lose rm200 potential cash back lor

in the end it's about the same...

if it is considered a new card holder with first year annual fee waiver then still good.

looking to get one, anywhere have promotion? such as new applicant free TV or phone or something~~~

ya, u save on the AF, but u lose the two months CB during the cooling period. unless u have other better card to get the CB.

My workaround for this: ask my other half to apply before I cancel my card. We rotate.

guys....

just want to re-confirm...
if i perform downgrading from platinum to gold card...

as long as i do not activate the gold card...the platinum card will still be active right?

(This is what the officer told me, want to re-confirm with folks here)

You must have spent more than 985 per month on this card to be offered the AF discount, yes? Because this is the first time I read that someone has got such offer on Wise cc.

You should picked gold card, lower AF + if they can offer 50% waiver. No need reapply so troublesm

You should picked gold card, lower AF + if they can offer 50% waiver. No need reapply so troublesm

Yes, if you don't activate new card or request to deactivate your Plat, it will still be there.

Went to branch to fax sms alert form and register for online banking. All done.

I notice they have a form to request for annual fee waiver. While I know that the AF for Wise is not waivable, has anyone tried submitting that form officially?


Received an sms:

receive a welcome gift of your choice from gemfive when you register for HLconnecct.

Any idea where can I find more info about this fro the website?

This post has been edited by Human Nature: Feb 12 2016, 05:13 PM

Let's see if I get this right:

My card is approved on 26 Jan 2016.

1. The 10 swipes need to fall in a calendar month, so it is 1-29 Feb 2016, 1-31 March 2016, etc

2. For 1-29 Feb 2016 swipes, the CB will be credited on 28 March 2016.

3. Statement cycle is not related to CB cycle.

1)yes, based on posting date within the month
2) yes correct
3) yes, CB will be credit on 28th every month regardless of statement date

Can ask the PIC to specify which date I want it to cycle?