We all here will wait for your result

Thx for informing us

i love to apply, but its hard to find the card i want which is Cash Back & Annual Free for Life card

okay, i think again, need time to digest regarding the risk and reward

This post has been edited by john123x: Sep 6 2019, 08:37 PM

This is hlb show when I press apply card at hlb connect.

[attachmentid=10311729]
It's damm misleading. Annual Fee waiver is only for first year, but hlb make it look like it's lifetime waiver

But email flooding BNM with non critical issues is kinda unethical.

Imagine one day, a person desperately needed help and he sends email to BNM, expecting urgent help, just to know it's pointless to wait, because his email is drowned in a big sea of other emails.

This post has been edited by john123x: Oct 15 2019, 09:40 AM

I notice the hlb flexi amount is around 98.8% of recorded outstanding, won't be 100% for my case

HLB Christmas Tree Campaign

https://www.hlb.com.my/christmastree/

deleted..

it just not worth my time.

so does hlb connect Christmas event, it just not worth my time.

This post has been edited by john123x: Dec 1 2019, 03:50 PM

How do you cancel hlb CC?

I sounds noob because I never cancelled any card before.

Can do it at hlb connect website? Or must email? Or must write letter and fax? Or hlb customer support by phone?

Thx you. I learned something new today

You get one Lump sum cashback on your rm4998 purchase which is RM20


Monthly installment don't have cashbacks

This post has been edited by john123x: Dec 20 2019, 03:47 PM

It's not real 0%.

The TnC is out. There is one time upfront fee.

The fee is RM25 for 6 month installment OR RM50 for 12 month installment

Last year "real" 0% flexi don't have one-time upfront fee.

Example: if you apply minimum 5k with 6 month installment, it's actually 0.5% % Flexi.

If you read TnC, it does state Debit card cashback won't be as fast as credit card, it will be credited within 15 days after end of Cashback Month 1

This post has been edited by john123x: Jul 9 2020, 09:18 AM

Very high chance that "online purchase" category finish quota.

Based on the this user testimonial
This post has been edited by john123x: Jul 9 2020, 03:49 PM

It's weekly quota

I know you don't feel good paying for fraudulent transaction. Buts it's the rule to settle full according to statement.

Just like LHDN, pay first settle later.

If you don't pay according to statement, your will be charged "finance charge" 18% p.a. even if you manage to dispute the transaction, you still need to do extra dispute on "finance charge". This is the part that is troublesome. I don't think the bank is so nice to show your how their calculation, and you probably need to waste lots of time to research how on Earth is the bank interest calculation.

If it's only taken Credit limit but didn't show at statement, that's good news for you

My dispute with McD double charge isn't pleasant. Unfortunately I got to write it off as it's small amount, not worth my time.

I call HLB CS, she told me to settle with merchant. Merchant ask me to settle with bank.

Del

This post has been edited by john123x: Aug 25 2020, 12:08 PM