yah, first time I heard, cannot be cl is 15k.

no. call CS to enquire and change.

most likely burn.

what's best for you (and us) is to utilize the card for something else to offset the cashback.

e.g. cashback in 28 Oct = RM100, without any other outstanding. then go swipe for something worth RM100, to zerorize the card balance. you dont owe bank, bank dont owe you. then call CS to cancel the card.

mamamia already explained above.

some references

dont care what CS "claimed".

swipe at ptptn counter, then call CS to verify the MCC associated to the transaction. that's as accurate as it gets.

on another note, do compare with cimb petronas mastercard as well.

read thru the t&c for both cards to achieve best return

we're human with emotion and attachment

everytime with the end of a good credit card benefits (e.g. OCBC Ti, M2C Amex, HLB Wise, UOB VOx, etc.), we're experiencing these...




now, most of us already in stage 6-7, finding alternative cards and moving on

what points collection?

https://www.hlb.com.my/main/assets/files/wi...c-en-160906.pdf

problem is always on the merchant's side.

even without cc surcharge or hidden markup for cc usage, they will find other excuses to increase price (e.g. petrol price, GST, etc etc)

total of all 3 categories: RM985

like this



This post has been edited by cybpsych: Sep 29 2016, 07:41 AM

which adv is misleading oh?

it has always been 1 qualifer and 1 cashback condition:

Qualifier: Minimum 10x RM50 RM2,000 posted retail spend in a calendar month.

Cashback: 10% cashback on chosen spend categories, up to maximum RM100.

hence, your suggestion is the best to maximize cashback vs qualifier. of course, effectively cashback is just 5% or possibly lesser, depending on your spending.

none

mobile is telco. refer t&c or post 1 for the official list. refer post 2 for the tested list.

nothing new. this is not the first time they did invitation-only 50% dining promo.

read further back...

1st, general statement:

// The Campaign is open to selected existing Principal HLB VISA Credit Cardholders (including former EON Bank Berhad) who receive an invitation to participate in this Campaign via Short Message Service (“SMS”), electronic direct mail (“EDM”) and/or promotional leaflets during the Campaign Period (“Selected Cardholders”). //

2nd, exclusion statement:

// The following persons are NOT eligible to participate in the Campaign:
(a) HLB Debit Cardholders and/or Prepaid Cardholders;
(b) HLB Mach Credit cardholders;
© HLB MasterCard Credit Cardholders;
(d) Supplementary HLB Credit Cardholders;
(e) Cardholders of HLB Credit Card(s) issued outside of Malaysia;
(f) Cardholders of HLB Corporate Credit Card(s), Virtual Card(s) and Mobile Money; and
(g) Cardholders whose Credit Card account(s) are believed to be operated fraudulently or which are invalid, delinquent, suspended, cancelled or in breach of any T&C herein/contained in the HLB Cardholder Agreement Terms and Conditions and/or the HLB Terms and Condition PLUS (both collectively referred to herein as “Cardholders’ Agreement”) during the Campaign Period and until the point of receiving the Cash Back. //

so, how to interpret Essential, Wise, or GSC cards?

ask HLB.

this is invitation to participate, do u think they published all the names? no privacy? pdpa? there is no consent from selected customers to publish their names out.

unless this is winner's list whereby campagin T&Cs stated winners' names will be published in website, i.e. you're already given consent when participating the campagin and won something.

This post has been edited by cybpsych: Oct 6 2016, 09:55 AM

you're kidding, right?

campaign ending: 26 Feb 2017

cashback credit: within 8 weeks AFTER campaign ended.

winner's list: guess...

yes correct, you'll get 1 Nov bill

happened to me last month.

you effectively delayed ~1 month's bill seems that the moment we confirmed bill date change, it's effective immediately, even when your next bill date is next day!

here, give you more

cashback is the same. however...... the transactions for 'previous' statement month will not be tagged (category). only new statement month's tx will be tagged.

Since tagging is done during bill gen, the tagging only cover statement period not whole statement.

fyi, my new 4th Oct statement below...