No. You still need to pay minimum (5%) every month according to your statement and final balance on 1st Dec.

This post has been edited by fruitie: Sep 29 2024, 11:28 PM

Yes, will get penalty for early settlement. Just leave RM 10 and pay on 1st Dec.

That's why you will need a free AF HLB card for BT purposes.

You will need to apply VI.

Sutera has AF. Mine is VI.
I also have Sutera as well.

Balance Transfer

This post has been edited by fruitie: Dec 13 2024, 12:27 PM

SST can never be waived, it is a government tax.

Due date for every month is the same as your normal credit card statement due date but there is a BT expiry date is different and you will need to clear off the BT payment on the expiry date. That means if you take 6 months BT, you will still pay monthly BT installment like normal (usually 5%) and clear off the remaining balance on the expiry date.

Yes, separate account. Just pay to that account.

You can ask in BT thread as it has too much to answer: https://forum.lowyat.net/index.php?showtopic=3918057

My VI card is peeling, the plastic layer I mean. It’s so ugly now and I need to use it until 2029. Is there any way I can get it replaced for free? If only HLB would adopt Apple Pay then I don’t need to carry the physical card.

I was thinking of this excuse and thanks for verifying that it works.
I find banks give ridiculously long expiry date now, I don't know how can the cards survive till then. I have a couple of cards will only expire in 2030.

Not gonna report due to fraud because will change new set of no. and it is troublesome for me.

Yeah, I use it for normal retail transactions but again I mix and match a few cards.

Oh, that's a good point, I didn't use it for my insurance. I guess should be included.

1) Yes.
2) Yes, that long.
3) Yes, terrible quality. Mine is already peeled off and I have to use until 2029 for my case. Plan to report that the card is not waveable and hopefully will be replaced.

I would appreciate advice from those having supplementary cards from HLB. This is my first time applying for one for my mom, HLB VI.

So, my statement date is every month's 16th, and she swiped it on the 6th (first transaction) and 12th, and both transactions were posted before the statement date. I have received the statement for my cards, but I didn't see them showing on my statement. I checked the app and online banking, it shows both outstanding payment and statement balance 0, due date is 6th May. 6th May is the due date for all my cards, so the statement date is the same, every month on the 16th.

Free spending from the bank? I won't complain if that's the case. If you all have any similar experience, please share. I guess I will call HLB soon to find out what's going on.

Just called CS then only I realized the transactions went into my principal card instead, though I can see the transactions recorded under my supplementary in the app.
The good thing is I don't need to split the payment and pay everything via my principal card.

Errm, why not? Just buy some luxury bags and watches already more than that.

To be honest, I hardly participate in any contests now but I won more than RM 1k from HLB before and I also got from MBB, UOB and PBB before. So, not all are scams.

Oh no. There goes another of my go-to card of all time.

Same here. My lain-lain card.

Yes. I don't think it will appear as a co-bank card.

Principal for this case. I have that card and not definitely not that Priority card.

Yes. My favorite card for HLB BT.

I wanted to replace my VI (peeling and number fading), there is no way it can last until 2029. So, as suggested by someone here, to use the reason - card not readable. I contacted the CS via live chat and they suggested to use app to replace it and contact them again later after activation so that they can request for RM 50 (card replacement cost) reversal. I requested on Monday afternoon and just received the card replacement, straight activated it. Chatted with CS again and they will request for the waiver, I should see the waiver in my next statement.

HLB has been good.