Regarding the activation of WISE credit card, we should first send SMS to obtain temporary pin.

Then, we need to convert temporary pin to permanent pin at Hong Leong ATM. For this step, should I insert the WISE credit card into Hong Leong ATM?

Second question:

In term of the appearance of the card, what is the difference between WISE Gold Card and WISE Platinum Card? Just the word 'Platinum' on WISE Platinum Card? I wrongly thought that WISE Gold Card would have golden wordings.

This post has been edited by kart: Oct 17 2015, 10:31 PM

By now, the pin you received is still temporary one, not permanent? By look of it, it is unavoidable to go to the Hong Leong ATM to insert WISE credit card, and to generate the permanent pin.

Yes, permanent pin is not needed for now, as pin-based transaction is not fully implemented in Malaysia. Still, I want to get it done now.

After activating the card, can we straight way call the Customer Support to change the statement date? I will definitely not be using this card till next month, because it is next to impossible for me to spend 10 X RM 50 in the remaining half month of October.

So, is it perfectly safe to let Maxispay store our credit card details?

I tried sending the form (in which my details are filled with Adobe Reader) to HLOnline@hlbb.hongleong.com.my.

This is their reply:

So, they cannot accept electronically-filled form, and insist on hand-written form. It is a simple form to set SMS threshold alert, so what harm could it do?

Is there any way for me to convince the Customer Service Officer to accept electronically-filled form? It is quite a hassle for me to go to any Hong Leong Branch.

Thanks.

This post has been edited by kart: Oct 20 2015, 08:04 PM

1) I am sure that almost all of us in this thread have Hong Leong Bank Wise Gold Card, instead of the Platinum Card. So, we cannot dial 1-800-38-8830 (Platinum hotline) , for our credit card enquires, right?

2) How do I enable the option to have e-statement for this credit card?

Thanks for the information.

This post has been edited by kart: Oct 24 2015, 09:50 PM

Thank you so much, cybpsych

So, by opting for e-Statement, the bank will not send us the hardcopy statement, right?

I understand that. I guess that many of us choose e-Statement for sake of convenience.

Does hardcopy bill sent by post have the similar category tagging for our eligible transactions?

In other words, will the hardcopy show something like this?

Yeah, I know that the benefits of e-statement outweigh that of the hardcopy bill. For me, I would like to have hardcopy bill for the first month, before I choose the option of e-statement later onwards.

In my opinion, if the option of e-statement is selected, we may not be able to revert to the option of hardcopy bill.

This post has been edited by kart: Nov 4 2015, 04:35 AM

After Statement Date, how do I view the transactions posted before Statement Date, inside HL Connect? In other means, these transactions are now a part of the latest bill statement.

Thank you for your informative reply, cybpsych.

It is very different from Maybank 2u website, whereby we can view all transactions (before and after Statement Date) in one place. That is why I cannot manage to find transactions posted before Statement Date, inside HL Connect.

As recommended by other experts here, I try to hit 12 x RM 50 transactions early in the first week of month. It is done, mostly by buying shopping vouchers.

Why is it 12 times, instead of the required 10 times? In case that some transactions are unfortunately reversed, I would have at least 10 x RM 50 transactions, to obtain the cashback. Thanks again to all experts, who provide suggestions to use this card.

This post has been edited by kart: Nov 8 2015, 10:19 PM

For AEON, buying shopping vouchers is normally treated as a departmental transaction.

You can use the shopping vouchers to purchase grocery or any departmental items.

My purpose is to achieve 10 x RM 50 transactions early in the month. If you have one less RM 50 transaction than 10 times (as emphasized by many experts here), you are not going to get any cashback at all.

Still, I think that HL Connect has a distinctive advantage over Maybank2u, as it shows "Combined Available Limit".

As we all know, posting date is normally one or two days after the transaction date.

However, for Hong Leong Credit cards, if you calculate the reduction in "Combined Available Limit" after you swipe your credit card, you will roughly know whether the correct amount has been charged to your credit card or not.

And, the reduction in "Combined Available Limit" is immediately seen. So, for a quick check, you do not have to wait till the transaction is posted in HL Connect. Definitely, Maybank2u does not show "Combined Available Limit".

I guess that each bank has its pros and cons.

It is kind of a silly question , but I want a confirmation on it that it is applicable to Hong Leong Bank.

My question:
Assume that my payment due date is on the 30th of each month.

I shall pay the entire amount of statement balance on the 30th, via Hong Leong Connect website. So, financial charges and late payment changes will not be incurred in this way, right?

Or, do I have to pay the entire amount of statement balance on the 29th?

Thanks for the answer.

fruitie

As expected, you are very competent in maximizing the benefit of WISE card.

Thus, I hope that you can retain your WISE card, instead of cancelling it during the second year of using the card, in order to avoid the annual fee.

No doubt, Maybank Ikhwan MasterCard (Petrol and Grocery) and UOB VOX card (Online) offer 5 % cashback without much difficulties, and are easier to use.

If all of us here, including you, can bear the inconvenience of using WISE card, we would not mind in using 10 % cashback, to offset the annual fee.

It is just my opinion, fruitie. No issues. Feel free to decide by yourself whether to keep or cancel your card next year, and I will respect your decision.

This post has been edited by kart: Dec 3 2015, 06:32 AM

I set the threshold of SMS transaction alert to RM 1.

Basically, I do get SMS for any transaction performed, by physically swiping WISE card at the credit card terminal.

Then again, for November and December, I did not get any SMS, for online payment of Maxis bill, through Maxis Pay website. This is a manual payment, not autodebit transaction.

Are SMS also sent for online transactions?

This post has been edited by kart: Dec 6 2015, 10:24 AM

Thanks for the information, cybpsych.

So, for any online transaction that is validated through OTP sent to our handphone, we are not going to get SMS transaction alert, right?

For Maybank credit cards, we still get SMS transaction alert for such online transactions validated through OTP. So, in this case, Maybank has an advantage over Hong Leong Bank.

This post has been edited by kart: Dec 8 2015, 10:35 PM

victorywp, did you receive two SMS transaction alerts from Hong Leong Bank on that day, due to the double transactions?

Thank you very much for your clarification. As you explained, the second transaction will eventually be voided, since there is no slip and signature.

If you had some free time back then, I would like to suggest that you call Hong Leong Customer Service to notify them about the double transactions, on that very day of the transaction. Even though the same amount of money has been charged twice to your credit card, both of the transactions would have different 6-digit approval code.

The Hong Leong Customer Service Officer would have given you the approval code, of the second transaction that is without slip and your signature. With the approval code, you can approach the chief cashier of the AeonBig to void the transaction.

Mention to the chief cashier that the approval code for the first transaction with the slip and your signature is totally different from the approval code for the second transaction. Emphasize that AeonBig will receive money from the first transaction, and they should void the second (incorrect) transaction with the approval code you give to them.

Once they void the second transaction, a charge slip showing the voided transaction will be printed from the AeonBig credit card terminal. You should sign the merchant copy, and you should then receive the customer copy of the charge slip.

This is how I would solve the problem on that day. Maybe the credit card experts here can recommend better ways to solve this issue.

Using this way, the merchant (AeonBig), the acquirer bank (Maybank who supplied the credit card terminal to AeonBig), and card issuer bank (Hong Leong Bank who give you WISE card) are duly informed of the double transactions on that way. In my opinion, it is better than to wait till your credit card statement is generated. By then, it may be too late to void the second transaction, if this second transaction is not automatically cancelled by then.

It is just my opinion.

This post has been edited by kart: Dec 25 2015, 04:21 AM

My SMS threshold is also set at RM 1. But, it allows me to detect double transactions.

I agree with you and victorywp that my method is too tedious. Last time, when I called the Customer Support to solve this double-transaction issue, the Customer Support Officer refused to help me.

The officer said that maximum liability will be placed on the credit card holder to ensure the accuracy of the transactions posted. In event of the double transactions, it is solely up to the cardholder to liaise directly with the merchant and the acquirer bank (which supplies the terminal to merchant). The card issuer bank (Hong Leong Bank) will not be liable for the double posting.

The Customer Support Officer only gave me the 6-digit approval code, to be given to the merchant. The officer said that the card issuer bank is unable to void the double transaction, and thus has the right to charge the amount twice to the cardholder, even though it is clearly the merchant's fault.

The worse case scenario is that the merchant refuses to void the second (incorrect) transaction, even though I have given them the 6-digit approval code. I may choose to submit a dispute form to my card issuer bank, but the officer said that the chances of voiding the second (incorrect) transaction (through dispute form) is rather slim, and I have to pay the same amount twice.

I am unsure whether the Customer Support Officer is lying or not. That is why I used the tedious method to deal with the merchant directly, so that I am 100% sure that the second (incorrect) transaction is successfully voided by the merchant.

Appreciate some genuine advices from the credit card experts here.

This post has been edited by kart: Dec 29 2015, 06:23 AM

If there is still no printout of the charge slip from the credit card terminal, the staff will keep on swiping your credit card, till they get the charge slip. By then, we would have 4 or more SMS transaction alerts, stating that the same amount has been charged to our card 4 or more.

The staff would not believe that the same amount has been charged to our card 4 times or more, even though I have shown the SMSs on my phone to the staff. They would stop swiping the card, once they see the charge slip.

It is kind of disadvantageous situation for us card holders.

This post has been edited by kart: Dec 29 2015, 06:29 AM