normal mail....
didnt realise oso yesterday....
stuck at the front part of the mail box.....
luckily go take a look this morning.....

still pending?
omg....
mayb you are the new user of HLBB....
been using it since 2010 lolx.....
previously using wise + fortune card up until 2020.....
cancel all hlbb card due to Wise card changes cashback + discontinue fortune card....

lolx....
i alway call to reduce limit once i received new CC.
i only spent to max the cashback only....
i still waiting for standard chartered sign up offer to apply....currently rm400 is kinda low for scb credit card....

btw, jz realise Wise annual fee is rm98 which are non waiver....
have to monitor cashback for these few month are good enough to keep the card or cancel it before annual fee kick in...

for approval card on July like me :
Month 1: From date of approval and activation until 30 Sep 2022
Month 2: 01-31 Oct 2022
Month 3: 01-30 Nov 2022

info given by hong leong customer service when i called them upon receiving my card.....



Btw, for hong leong wise card, is the billing date set on month end?
for the card cashback, it based on calendar month right?
activated last friday n try to max cash back before statement date arrived....

not very sure about this.....
but for the campaign cashback, they didnt inform must spent on weekend? or i miss out?

for me,
to get cashback for campaign + card cashback, it surely better to spent on weekend for double cashback.....
but for new campaign approval card, bank given 60days for 1st month....
so i jz spent on weekend + make sure total spent over rm500 for 8% credit card cashback at the moment....


retail spend for campaign not include ewallet is understandable....all bank practise the same method...
but i think ewallet top up still take into calculation for monthly minimum spent for wise card 8% cash back activation.... or i misunderstand?


it a normal mail....
around 5working day for klang valley....
not sure about sarawak...

didnt state out but better dont put any bet on it.....
normally i dont take ewallet as retail spent.....

i oso apply & approved on july.....
suppose eligible spending until september2022

but on this month, i only received 1cashback for category A
22-Nov-2022 Q4 CC Campaign Cashback A 100.00

category B no cashback for my bill payment via mytnb on 26 september 2022....
jz make call to investigate.....
hopefully no issue.....otherwise my cashback for mytnb payment for oct & nov will be burned.....
still waiting for investigation & update....

didnt receive any notification/message regarding the free gift at all......

not sure category A is from which month....
but supposedly is from approval date to end of sep2022....
maybe due to my statement date is on 23 of every month.....
so i call to clarify....now waiting for investigation....

sure....
at first the staff quoted the bill payment suppose to be done on jompay.....
i say impossible since it put there ins,utilities & jompay bill payment....
if bill payment must be done via jompay, then might as well take out the utilities lo....

forget to ask about the free gift.....
but free gift should be FCFS with limited quota....
so i dont bother so much.....

cashback more important

i just received it today.....
unexpected win....
but now sad of the cashback......
didnt know cashback is FCFS/lucky draw....

https://www.hlb.com.my/en/personal-banking/...dion217515777-4
damn.....should make early payment for utilities then....
wth.....
i though cashback is guarantee as long as you spent at the month period....

i make all the payment at the month end.....
is there any tnc stated FCFS?
i dont remmber any....

omg.....i miss out on that.....
all my cashback will be burn for 3month.....
luckily still get galaxy fit to cover abit of my losss.....
haiz.....wasted my cashback....

every promo period have their own period quota....
make sure to spend early since the quota is FCFS....

https://www.hlb.com.my/content/dam/hlb/my/i...c-offer-tnc.pdf

my card are approve on july...
so the spending will capture till nov22 only....
i only realise about the FCFS tnc....normally i only swipe/spent on month end.....
not much hope on the cashback d.....

if you are applying now, remmber to swipe/spent during early of the month.....
at least higher chances...

**Exclusive gift limited to the first 200 applications via HLB Connect Online Banking only

dont forget the tnc for free gift....

i already get the card during 7.7 campaign....

yeah.....
i do get back the cashback for Q4 CC Campaign Cashback B on december statement after complaining even my name is not on the list....

at least i get back the cashback.....
dont mind make call to them to chase my cashback every month if needed....

jz realise i receive full cashback for 2nd month spending...
rm100(A) + rm100(B) + rm50©...

https://www.hlb.com.my/content/dam/hlb/my/i...c-offer-tnc.pdf

there are table in tnc...for card approved on the period...
like when u receive ur approval, ur 1st month spending period and cashback period...

so far the table have been accurate even though the cashback for 1st month around 20th n 2nd month around 30th....

as long as i get the cashback...i dont mind the cashback late abit....as long as i get it....
as first planning to call CS tomorrow for the cashback...only to realise get it d on 30th dec....

This post has been edited by Darren: Jan 2 2023, 05:58 PM

for wise card usage cashback, usage on weekend only entitle for 8%...

for NTB campaign, it can be anyday.....surely weekend is better since 8%(usage)+8%(campaign)

This post has been edited by Darren: Jan 4 2023, 12:26 AM

frankly say, i do doubt if hlbb take e-wallet reload for 8% cashback(NTB campaign)......
most of the card campaign, i will not take into account of e-wallet reload(unless stated)....
most of the card nowsday doesnt take e-wallet reload as retail spending.....

ewallet eligible for wise card usage cashback.....

but i not sure if it taken into account for NewToBank(NTB) cashback campaign.....