just think that the longer they drag the change the more months you can still earn the cash back. I'm not even sure why ppl are worried when it will come.

Thanks, cybpsych. Couldn't find any official announcement anywhere.

Right, no news is good news!

because there wasn't any official announcement. leaked news broke from a forumer's friend in hlb.

whatever it is, business as usual.

just enjoy while it lasts .... max your card by paying bills in advance so that when THE DAY comes, no regrets ..lol

Just spend as usual until official announcement and the actual date in effect.
Any other source from HLB, it is not verified and just some group of jokers kakikong, kakisong.

That means I will still need to continue spending RM 985 per month.

Anyway, good that I still have 10% cash back for now.

Chinese proverb "There is no wave if there is no wind" haha

if there's no wave and no wind, then it's... "the calm before the storm"

usually this happens for the bank before they announce something which is bad.

Don't bother much, then won't get panic for no reason

AF charge in June....doubt want to continue or not...

if u have max out 100 every month, meaning 1200 per yr i see there is not a problem to pay for small fees of AF

and there is no any official announcement out yet

the AF is meant for the following year so if they are to change the benefits, there are reasons to be worried about.

of course i know it's for the following year.

as there is no announcement yet, what should you do?

of course i keep the card as the AF is not a big amount after all

Pay rm170 to get rm1200, the ROI is 600%. or 50% a month. Gamble in stock market also no easy to get this amount. Dumping money in trust funds? Sure, agent enjoy the 50% ROI first
The work required is just spend rm985-1000 a month. In our day to day spending, rm1000 for a month are not much basically, especially you have a 1-3 years old child, just the bloody milk powder already whack you a solid bill of rm300-600, If travel by cycling sure no need to pour petrol, else another rm100-300. Vege, meat(groceries) also can fetch a bill of rm300-600. So what is this rm1000 nowadays

Why not think it on the bright side, 1st year AF are waived all the time, so don't think it as 1st year free, take it as you have to pay AF after 1 year of usage, then no need to be butt hurted.

I like this idea.

thats why i say AF is very little compare he/she can get cb 100 every month haha..

yes if u have 1 child for example.. go for groceries 1 enfagrow 1.7kg cost u above 100 easily

1 month 2-3 tin.. the rest milo and other like fruits vege horlick

easily achieve 1000 groceries per month

not to mention drypers and other necessities

so overall paying AF is far worth

Is mainly even after pay AF, the cash back still > 5%, else early early I dump this card.
Only my "1st" year I get true 10% of cash back since my 2nd year AF also waived
Remember, from the beginning there's no 10% cash back to start with.

When we can think like this, then we won't feel butt hurt.
Simple, if you spend using cash, the risk is you may get robbed or injured, worst case, robbed and get killed
If not on this also, for every rm1 you spend, the value are rm1.
With cash back card, you only pay rm0.95 or lesser for every rm1 spent.
If some jokers still feel butt hurt on this, go back to old life and don't apply for any credit card and use cash only

This post has been edited by supersound: Apr 18 2016, 02:42 PM