QUOTE(kelvinlzy @ Sep 10 2016, 06:20 PM)
cut. i got pbb vs (and hopefully supp card) to support online + grocery spending.
petrol hardly reach rm300 per month, so not important. mbb ikhwan can mostly cover it.
Credit Cards Hong Leong Bank Wise Credit Card V8, 10% Cashback , Up to RM100 per month
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Sep 10 2016, 06:45 PM
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#61
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65,353 posts Joined: Jan 2003 |
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Sep 11 2016, 09:33 AM
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#62
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QUOTE(kart @ Sep 11 2016, 08:12 AM) Does anyone know the largest negative values that can be paid for Maxis, TNB and TMNet Streamyx bills, for the purpose of overpaying? dont think they set a limit . more money for them, secure ur future outstanding, personally, I've tried 8xx for maxis and 7xx for unifi (when m2card ended their 5% CB for any spending) with current billing systems, there shouldn't be any limit, cuz no harm for them. however, we lose slightly cuz parked so much money in there, we can gain something from that excess money to other small investment or liquidity in emergency. furthermore, no interest/profit charged to the excess money in maxis/tnb/unifi. |
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Sep 12 2016, 06:48 PM
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#63
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65,353 posts Joined: Jan 2003 |
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Sep 14 2016, 08:43 AM
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#64
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QUOTE(kart @ Sep 13 2016, 10:41 PM) Did any page in Hong Leong Bank website or any official terms and conditions (PDF document) mention about minimum annual income, needed to apply for Hong Leong WISE Platinum and Gold Credit Card? Example: Minimum annual income for Hong Leong WISE Gold Credit Card: RM 24000 per year Minimum annual income for Hong Leong WISE Platinum Credit Card: RM 48000 per year The values of annual income are just make-up numbers. I am asking this question, just for my information. For sure, I have Hong Leong WISE Gold Credit Card, and is still considering whether to cancel it or not. ![]() QUOTE(wjtai @ Sep 14 2016, 06:55 AM) Dear all, I used to get rebate from utilities and mobile categories. If I cancel this card, could anyone share what is the best replacement cc? For petrol, the best rebates in market is only 5% right? ask here https://forum.lowyat.net/topic/3644347 by following the template in post #1Thanks. |
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Sep 14 2016, 08:56 AM
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#65
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QUOTE(salimbest83 @ Sep 14 2016, 08:54 AM) guys. need help suggesting another card. need to cancel my wise since not worth it anymore ask here https://forum.lowyat.net/topic/3644347 by following the template in post #1spending : petrol RM500 ( ~160km per day) TnG RM300 Grocery RM3-400 ( fresh supplies usually from wet market) other spending like Prudential Insurance RM550 currently direct debit from saving account |
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Sep 14 2016, 01:01 PM
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#66
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QUOTE(deadravel @ Sep 14 2016, 12:59 PM) i really scratch my head xia. they have the rights to revise the features, we have the rights NOT to use it their requirement for applying this card is 36k annual. which mean 3k monthly then they expect ppl to spend 2k monthly on their card. who the hell design the tnc. they expect us to spend everything on their card only This post has been edited by cybpsych: Sep 14 2016, 01:02 PM |
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Sep 14 2016, 02:37 PM
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#67
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QUOTE(PhucDaBich @ Sep 14 2016, 01:57 PM) means if I just swipe Rm2000 ONCE in a month, I eligible for the cash back already. if your category is UTILITY and you swipe RM2000 TNB bills, of course easy liao. No more splitting swipes for utility bills, can just swipe all in one not everyone's spending is the same. basically this revision splits the Wise user into bigger pool of users: from meeting the RM2k and cant be bothered to meet RM2k. i'm the latter, but no butthurt. either use/get other cards by reshuffling spending. |
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Sep 14 2016, 03:39 PM
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#68
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QUOTE(Moonlight86 @ Sep 14 2016, 03:18 PM) as usual, ask here https://forum.lowyat.net/topic/3644347 by following the template in post #1you'll get recommendations for cards that may be suitable for your spending. |
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Sep 14 2016, 03:47 PM
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#69
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QUOTE(PhucDaBich @ Sep 14 2016, 03:40 PM) Actually effectively the Cash back is reduced to 5%, i know that, but your statement was about swiping RM2000 ONCE in a month Get maximum Rm100 back with Rm2000 spending. I believe many of us just spend RM1000 to get RM100 cash back previously. Now we need to spend double it. Time to find a new card... I will be keeping my WISE card because I paid RM1500 UTILITIES bills for my shop. |
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Sep 15 2016, 02:16 PM
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#70
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Sep 15 2016, 07:44 PM
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#71
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Sep 19 2016, 11:04 AM
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#72
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QUOTE(staticxtreme @ Sep 19 2016, 11:01 AM) hey guys. just checking, for the rm2k new rules, can it be any type of spending or only limited to the 3 choices you choose (Example : Mobile, utilities, food) same like before (10xRM50 for ANY spending)cause if only mobile utilities and food susah nak get 2k leh 1st criteria: RM2k is for ANY spending. 2nd criteria: RM100 cb for selected categories (~RM1k) this is why to maximize it kawkaw, RM1k for ANY spending + RM1k for category spending. |
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Sep 19 2016, 11:09 AM
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#73
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QUOTE(cybpsych @ Sep 9 2016, 03:54 PM) think it the other way. with this new requirement, effective CB goes to 5%. so where does the 'missing' 5% goes? 1st 1K pay those "dan lain-lain" spending, e.g. car service, insurance, etc etc 2nd 1K goes to category spending. so, you got 10% for 2nd 1K (within categories), but 5% is actually indirectly paid for those 1st 1K (dan lain-lain) spending. that means your car service or insurance gotten 5% cashback, indirectly. disadvantage is you need to manage 2 pools of RM1k spending in order to maximize it the cb. well, that's just my view. QUOTE(virgoguy @ Sep 19 2016, 11:08 AM) |
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Sep 19 2016, 11:32 AM
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#74
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Sep 19 2016, 12:28 PM
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#75
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QUOTE(sotsottsl @ Sep 19 2016, 11:59 AM) I received this in my Hong Leong Wise 30% dining on weekends.13 September 2016 Congrats! 30% CashBack : Wk13 to Wk17 Amount: 11.76 May I know what is this event? and where to check rule or winner list for this? I cannot find thru HLB website. Thank you the t&cs and winners list (up to week 12 only) are in hlb website. look harder. |
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Sep 20 2016, 01:41 PM
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#76
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Sep 21 2016, 07:41 AM
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#77
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QUOTE(fbtan319 @ Sep 21 2016, 07:27 AM) Wise max cash back will be 4.33% if you plan very carefully. dont forget AF got GST = RM169.60Max CB per year RM1200 - Annual fee RM160 = Net CB RM1040 over the minimum of RM24000 spending per year. RM1040/RM24000=4.33% Max CB per year RM1,200 - Annual Fee RM169.60 = Net CB RM1,030.40 over the minimum of RM24,000 spending per year. RM1,030.40 / RM24,000 = 4.29% This post has been edited by cybpsych: Sep 21 2016, 07:43 AM |
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Sep 21 2016, 09:46 AM
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#78
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65,353 posts Joined: Jan 2003 |
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Sep 21 2016, 06:10 PM
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#79
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QUOTE(fly126 @ Sep 21 2016, 05:54 PM) already been reported here @ 10 Jul 2015, then again at here @ 23 Jul 2015, and then you posted again here @ Jul 30 2015 |
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Sep 23 2016, 07:18 PM
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#80
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QUOTE(mamamia @ Sep 23 2016, 07:15 PM) But it didn't state only need to pay 5%.. It is something like BT, just that u BT without statement n can ask HLB straight away bank into ur CASA.. So I treat it as 0% 6M installment plan for the cash they gave u.. hlb agent just approached me at mid valley.need at least rm15k credit limit. they transfer 15k to you, you repay in 6 month installment, much like bt. |
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