Sifu, fresh grad reporting in. Would like to ask what are the common reason for rejecting of wise cc application?

Salary is above minimum requirement. I joined my new company for 2 months only though. Previously working for a year that does not meet the min salary requirement. Except for ptptn, I don't have any debts.

If we try applying again? Does it increase chance of getting it or the bank will just ignore the new application?

Also, does the bank take into account of our total asset during the application?

The 10% cashback on petrol is so tempting

This post has been edited by Ken.B: Apr 15 2016, 07:48 AM

you need to work for 3 months with the salary above minimum requirement.

you can try to reapply after 6 months or you may also appeal your current rejection.

the bank calculate our dsr.

by the way, do you know there are certain requirements in order to get the 10% cashback or otherwise 0%?

You might want to reconsider when the new T&C for Wise card is out in June/July. The petrol category might be removed.

Thank you for the advise!

I know we have to swipe 12 x rm50 a month in order to enjoy the cash back. Is there any other requirements?

Oh. That's a shame. But the existing card holder wouldn't be affected by the new TNC right?

Unfortunately, all will be affected.

LOL.. at first I also seems like hard to notice there is Gold n Platinum since both card same color & same design. yeah lo, might just get the gold card is enough, the Platinum macam no point and the AF compare to Gold is double to pay later (because just for the sake of the Platinum wording? )

Chat below
https://forum.lowyat.net/topic/3919550

not 12 but 10. but it's good if you can mark up 2 more swipes because sometimes certain transaction delayed in posting and you will ended up with no cashback lol...

yes,, there's a rumour that hlb wise's benefits will be revised and all will be affected. initially planned for revision effective on 1st may but now delayed. let's wait and see... so at the time being maybe you can survey other cards first.

post here: https://forum.lowyat.net/topic/3644347

Most likely just a desperate staff wants to hit target, as long as you never agree anything then the bank cannot charge you any additional service
If really happen, challenge them for voice recorded prove.

Just to emphasize, staff like this can be available at any bank. Either the bank not provided proper training, or this is a generation z problem that just wants to use shortcut, mentality error.

you may also pledge fixed deposit for this card if they decline you

Cool down

Yours seemed extreme.

I tell you mine...

Got call, told the girl I don't want, but she begged saying it's free. I told her I had experience before with other CC, it's not free. She insisted it's free. She kept begging even when i told her it's not free. Somehow she said it's free and I cancel it within 45days if i don't want it. So I accepted. She then PROCEED TO GET MY DETAILS (You didn't seem to go through this, so I guess you are not into this protection )

So...after 1 month, bill came and horeyshit, I'm charged. I call CS, blasted that guy. He said couldn't do anything on refund but can cancel on the spot for me. So I said I cancel but I will also cancel the card right at that moment if no refund or direct me to the person in charge. Somehow, he said HLB will get back to me in 3 working days, but they don't.

I called CS back, the girl said refund given back and it's shown in my statement. Checked my statement and refund is there.

Buat susah saja...

All calls are recorded, my friend. No worries.
If they charge you, ask them to provide evident of your acceptance.

Oh, i always.... and i mean ALWAYS ask for the name of the staff whenever any banks/insurance/blah call me, and I will repeat with spelling to make sure i get it right.

THEN we get down to talking, if they mess with me, there will be a written complaint on the way, banks take written complaints SERIOUSLY.

DOnt need platinum... I dont need such status validation from CCs. Heck I happily using my Aeon Watami card, how much lower can you get

The reason of rejected is more likely bank cant track ur credit history...
Becoz you do not have any loan, credit card spending record..
Usually the 1st c.card, apply from ur saving account bank, success rate is higher..

Thanks for the advice guys. The info are very helpful!

My chosen categories for WISE cashback are grocery and departmental.

10% cashback are still given to any grocery transaction performed during this month (April), as long as 10 times RM 50 transactions are completed within a month, right?

The new terms and conditions for this card is still not in effect, right?

Thanks for the info.

Yes to both questions. Make sure the 10 x RM50 are posted in the current month.

Groceries [All grocery stores eg: Giant, Tesco, AEON BiG (MCC 5411)]

This post has been edited by Human Nature: Apr 15 2016, 04:50 PM

So it's already end of the 15th, still no announcement officially from HLB on the category revision?