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Credit Cards Hong Leong Bank Wise Credit Card V7, 10% Cashback , Up to RM100 per month

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saitong09
post Mar 15 2016, 10:02 PM

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QUOTE(victorywp @ Mar 15 2016, 07:54 PM)
cool down for what?
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noien
Cool down period to re-apply Wise card I guess
saitong09
post Mar 15 2016, 11:09 PM

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QUOTE(victorywp @ Mar 15 2016, 10:54 PM)
6 months
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noien
Because of avoiding the AF rm160, you may lost more than rm600 cb
saitong09
post Mar 15 2016, 11:10 PM

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QUOTE(fruitie @ Mar 15 2016, 10:23 PM)
It's called cooling period. sweat.gif
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lol poor english tongue.gif

This post has been edited by saitong09: Mar 15 2016, 11:11 PM
saitong09
post Mar 15 2016, 11:24 PM

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QUOTE(noien @ Mar 15 2016, 11:21 PM)
i just need another person to apply for it. then i can save the AF. family members would be the best
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Good planning, alternatively switch between 2 persons smile.gif
saitong09
post Mar 16 2016, 08:06 AM

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QUOTE(victorywp @ Mar 16 2016, 06:20 AM)
but they have the right to reject your application. and you may regret especially when you desperately need it by the time. laugh.gif
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Don't cancel 1st until the 2nd card approved
saitong09
post Mar 16 2016, 06:57 PM

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QUOTE(fruitie @ Mar 16 2016, 05:33 PM)
What's wrong of bringing the payslip and tell them you just changed your job? unsure.gif
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Belphegorbring along with the offer letter
saitong09
post Mar 17 2016, 11:28 PM

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QUOTE(fruitie @ Mar 17 2016, 11:01 PM)
Well, somebody did post here before for 50% AF discount. laugh.gif
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Principle or Supp?
saitong09
post Mar 20 2016, 10:20 PM

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QUOTE(ftan @ Mar 20 2016, 05:28 PM)
I have one more transaction to go. Probably will pay tnb first. Still waiting for the bill. I think that meter guy skipped my house.
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Sometimes TNB will skip 1 month and will post the bill to your house with estimated usage base on the usage history.
saitong09
post Mar 20 2016, 10:28 PM

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QUOTE(cipher3344 @ Mar 20 2016, 07:37 PM)
petron very easy set amount. click "preset" put amount..put card.... done.

bhp. put card... bring up nozzle.. clear the default rm200 setting... put in your amount.. enter.... done..

shell... unknow...probably cant set..

petronas need key in amount... put in card...done..
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Nice, didn't know that we can set the amount with using cc
saitong09
post Mar 20 2016, 11:22 PM

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QUOTE(victorywp @ Mar 20 2016, 11:14 PM)
only petron can
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Petron the most convenience at my area smile.gif
saitong09
post Mar 21 2016, 09:11 AM

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QUOTE(Belphegor @ Mar 21 2016, 09:08 AM)
Just wondering, so the cut off date for CS is a standardized date for EVERYONE or you can actually pick the date you want it to cut off?
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You mean statement date? If yes then you can choose the date.
saitong09
post Mar 22 2016, 07:57 AM

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QUOTE(ftan @ Mar 22 2016, 07:01 AM)
I checked the tnb online website. They still haven't billed me. My bill is in negative.

Finally, made the payment via uobpayonline. I'm done with the transactions and max cash back for this month.  biggrin.gif
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Negative means you overpaid d
saitong09
post Mar 22 2016, 07:59 PM

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QUOTE(CAFE21 @ Mar 22 2016, 03:32 PM)
OT a bit, fortune card n essential card which one is better? Fortune card CB is 1% essential CB is 0.6% if below RM5K n 1% above 5k.
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If you can consistently spend more than 2k a month, definitely Fortune card is better.
saitong09
post Mar 22 2016, 08:31 PM

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QUOTE(CAFE21 @ Mar 22 2016, 08:27 PM)
If the spending is less than 2k will the cash back be burned? Will they credit next mth when it reaches RM20?
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if less than 2k you will get nothing and no carry forward
saitong09
post Mar 24 2016, 09:31 PM

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QUOTE(victorywp @ Mar 24 2016, 05:52 PM)
lol... not until berkali ganda lah and i'm not using ngv. not those normal taxi... something like myteksi you know what i meant. tongue.gif
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Why the Wise thread became Petron thread already smile.gif
saitong09
post Mar 25 2016, 04:01 PM

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QUOTE(fruitie @ Mar 25 2016, 11:35 AM)
My main cards and usage:
1) HLB Wise - Groceries, Utilities and Mobile
2) HLB MACH - Dining
3) UOB VOX/CIMB CR - Online Transactions
4) Ikhwan - Petrol, Groceries as back up
5) OCBC GE Plat - Insurance and general usage if AmEx is not accepted
6) Maybank2Card Plat - General usage and dining during weekend

I still have other cards which I seldom use and they are for PPL mainly. Now I have another credit card for petrol on Sundays which is AEON BiG card.

So yeah, in conclusion, try to maximize the potential of all cards. My HLB Wise is strictly for these categories and only for RM 985, no more than that. biggrin.gif
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Where is your PBB VS?
saitong09
post Mar 25 2016, 11:53 PM

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QUOTE(fruitie @ Mar 25 2016, 04:10 PM)
OT: I don't have. I'm a poor lady who has very low income.
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OT: lol you still young ma
saitong09
post Mar 26 2016, 02:53 PM

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QUOTE(sevendogz @ Mar 26 2016, 02:12 PM)
just now tried to ask for annual fee waiver...failed..
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lol expected result
saitong09
post Mar 27 2016, 11:26 AM

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QUOTE(~Eveready~ @ Mar 27 2016, 10:23 AM)
Hi guys, wanna ask if pay telcos (maxis) via uobpayonline, it is still qualified under mobile category for 10% CB right?

how about streamyx/TM pay via uobpayonline or TM portal, does it qualify for utilities category?

Finally, does TNB pay via uobpayonline qualified for utilities category?
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Maxis and TNB - Yes
Streamyx/TM - No
saitong09
post Mar 28 2016, 09:45 PM

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QUOTE(Pink Spider @ Mar 28 2016, 10:38 AM)
I got contacted by a sales agent and then he e-mailed me

he say cannot use EPF online statement, kena print from EPF kiosk. doh.gif
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All my cc submitted with online EPF statement, no rejection so far
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