QUOTE(cybpsych @ Oct 13 2016, 04:53 PM)
called HLB on AF waiver (paid) and termination.
the moment i asked CS, he can immediately tell me the amount is refundable! Since i paid mine in June, they can waive AF for about RM106 (remaining 8 months of 12 months paid AF).
Oct cashback (earned from Sep spending), he said cannot transfer earned cashback to Mach after Wise is canceled.
However, he said can transfer the earned cashback to Mach, then terminate Wise.
Safe to say, wait for cashback, transfer to Mach, cancel card and get AF refund (prorated)
ok another update.
called cs to ask about cashback status (posted today) and cancel the card (with prorated AF refund).
1) although cashback posted today, it has not refreshed in the account, so can't do anything yet. only can do tomorrow or the day after.
2) CS offerred me to convert to Essential. not interested

3) If i terminate the card tomorrow, the prorated AF (RM106.66) cannot be transferred out immediately. still need the amount to be refreshed in the account. hence, need to call again after the prorated AF is shown in statement.
4) There will be another statement after card termination, cuz it will continue to generate as long as there are transactions.
in short: make sure cashback refreshed in your account/statement, transfer out to Mach, terminate card, prorate AF and refreshed in the account, then transfer out to Mach.