Why still want to keep a useless card?

Only want to ask fruitie.thanks ur advice.i terminated the gold card...

all the girls you know are airheads izzit? Normally the wife the one who manage household spending since zaman dahulu leh.

hahaha, you are absolutely right . i think most girls will calculate till the last sen.

Don't keep a card which has no benefits for you. It will only adds into your CCRIS. What's the point?

Ok fruitie...1 question which benefit for u mach or wose card.only asking..because u have so many card and know which suitable

Both serve different purpose.
My MACH is solely for dining only as that's my chosen package.
My Wise is for groceries (TnG reload & UniFi at Sam's Groceries), utilities and mobile.

This post has been edited by fruitie: Nov 17 2015, 11:18 AM

I checked with HLB regarding my last transaction in Digi Centre BTS. The MCC is 4812 and the CS said is Mobile.

After checking this thread: https://forum.lowyat.net/topic/3711577 There are only two merchants reported under this MCC and U Mobile is not part of Wise.

i) Maxis Centre - The Gardens
ii) U Mobile - Self Care and Mobile App (not eligible for Wise due to telco name not printed)


What should I do further now?

This post has been edited by fruitie: Nov 17 2015, 04:46 PM

I use Jompay to pay Maxis and even statement printed with the word Maxis, I don't get any cash back for mobile category for that month.

I guess you have to wait for your statement and see.

If wait till statement is generated, it could be too late already...

Hi all, i just applied to this card today. for the categories, i selected petrol and dining because i do lot of travelling and entertainment.

According to some of the forumer here, the dining category is not really useful because a lot of the dining store is not included? Can anyone verify on this? Because i always bring my customer for dinner and drinking that why i choose this category.

Thank you for your kind replies.

U Mobile's MCC 4812 is part of Wise's Mobile category le.

U Mobile App's also MCC 4812 but since no telco name, hence not eligible.

I heard the U Mobile already enhanced the mobile app description to show the telco name already. I have yet to try it again.


your mobile payment at Digi Centre BTS most likely under Mobile category dy. only way to be certain is to get bill statement.

This post has been edited by cybpsych: Nov 17 2015, 05:49 PM

Most of us don't choose this category. Wise is not easy when it comes to MCC. HLB MACH is kinda useful too for dining but only 5%.

Oh yea, suddenly I feel there is hope.
If that's the case, can go there and buy a phone.

as attached, umobile top up via umobile self care entitled for the cash back

Hi. I am having dining category as well. So far is OK for me. All the big chain restaurants are having dining MCC. Hotel F&B I have tried a few, they are also dining MCC. The issue would come from those Chinese restaurant. Their MCC codes might not be set correctly for dining. Coffee places Starbucks & Coffee Bean is not dining. Bars are not dining MCC.

Take note HL consider dining MCC is 5811, 5812 and 5814 only.
Places like bar have MCC 5813.

But since you mentioned that you are using this card to entertain customers. I don't think the rebates of the card will last you long. Take note the cap is RM100 per month only. Means you swipe RM1000 you would have max out the rebate already. I think one time you entertain your customer already how much kena liao. Just my2cents.

This post has been edited by leonardchin: Nov 17 2015, 11:48 PM

thanks fruitie

thanks, got the screenshot from HL Connect's Online Statement?

reason is i'm compiling into larger listing




p/s: for umobile, there are 4 descriptions

Description	Channel	MCC	Remarks
U Mobile Paybill Web-EC	Web Self Care	4812	Verified
U Mobile Top Up Web-EC	Web Self Care	tbc	Verified by red_scorpion
U Mobile Bill Payment Apps-EC	Mobile App	4812	tbc
U Mobile Top Up Apps-EC	Mobile app	tbc	tbc

This post has been edited by cybpsych: Nov 18 2015, 09:42 AM

I got just the solution, just pay your mobile bill on the 27 of each month to round it up. you can just overpay the cents ...

this way just solve one category but still another 2 categories to do if want to optimise it to rm985.

you're welcome. It was from the estatement sent by HL Bank. It should be same with HLConnect Online Statement.