Hi all. Wish to know:

Activate Wise in Dec 2015, annual fee charged & waived in Feb 2016 statement. When will be the month of next annual fee charge on my Wise Card?

Let's say CB for transaction in Sept will reflect in Nov statement, is it i have to cancel the card by end of this month and the CB transfer to CASA?

Please advice.

Majority of the CC users do not spent/plan like us, the minority who tried to optimise the CB.

what cards good for petrol now?

This thread covers most of the main ones https://forum.lowyat.net/topic/1798403

I use Maybank VS, which gives me 5% everyday. But annual fee is very high and I'll cancel if I can't meet the RM50k annual spending requirement.

May move to Maybank Ikwan, which is free, but cashback only if pump on Friday and Saturday.

The statement is irrelevant. You use until 30 Sept. Get your Sept CB on 28 Oct and cancel thereafter. Your AF is still far away.

Like most of you all, I make full payment of statement balance, by the payment due date.

Let's assume that my statement date is 8th of each month. If I cancel my WISE card on 3 October 2016, when is the latest date by which I should make full payment of statement balance (or even outstanding balance)? Is it still 28 October 2016?

no, just to meet the 2k requirement

Please recommend new cash rebate card mine AF in Nov. Lucky can cut now

No...the moment you cancel you must clear your outstanding first.

wow so soon... ouch 2k spending a month... looks like i have to combine 2 months spending into 1 month to get 5%... means only 6x100 in a year hmm not worth it if still charge AF

CS told me to pay only when the the cycle comes. Don't know la. I'm lost. I'll report here soon.

Thanks for your reply.

So, I have to settle the entire outstanding balance on the very day I cancel WISE Card, right? Not even a day late? Alright, I understand.


I really hope that the 10% cashback for September transactions can easily be transferred to Hong Leong CASA, after 28 October 2016.

But, if it is not possible, maybe we can switch WISE card to another Hong Leong credit card (preferably with no annual fee), for free. Once the 10% WISE cashback is transferred to this credit card and we swipe an amount equal to the cashback, then we just cancel this credit card.

This post has been edited by kart: Sep 7 2016, 10:39 PM

I'll report here too. One of my wise card will have to go after all. Will maintain one card for petrol and utility trnx. Will cancel on Monday 31 Oct.

Before u do any cancellation or decision just request for AF waiver, I just got mine.

I don't want to risk myself lo.. If charged and cannot get how?
I still can cancel or not? If yes, then I will take the risk.

[quote=kart,Sep 7 2016, 10:37 PM]
Thanks for your reply.

So, I have to settle the entire outstanding balance on the very day I cancel WISE Card, right? Not even a day late?

The bank won't mind if you insist on following your payment schedule based on statement. However there are some banks who will only proceed with cancellation after the outstandings are cleared.

MGM

Did you request for AF waiver, after AF is charged to your credit card (shown in HL Connect)? Or, did you request for AF waiver, a few days before your card anniversary date?

Till now, AF has not been charged to your WISE card, right? That is good.


This post has been edited by kart: Sep 7 2016, 10:49 PM

kart n fruitie, I think for those who have yet to be pay their charged AF(like mine) or yet to be charged AF, u have a good chance of having the AF waived. I just got mine waived, and I believe HL wants to retain as many cardmembers as possible. My 2 sen.

This post has been edited by MGM: Sep 7 2016, 10:51 PM

Thank you for the reply.

It's relevant because 28 Oct CB will be stated in Nov statement. If i stop using started 1st Oct, how is the CB goes to?

Talking about AF, if waived, effective CB will be 5%. Not waived, CB further reduced to 4.293% from Oct