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Credit Cards Hong Leong Bank Wise Credit Card V8, 10% Cashback , Up to RM100 per month

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fruitie
post Sep 7 2016, 10:53 PM

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QUOTE(kart @ Sep 7 2016, 10:45 PM)
wink.gif Till now, AF has not been charged to your WISE card, right? That is good.  smile.gif
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Coming soon. laugh.gif

QUOTE(MGM @ 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.
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hmm.gif OK la, I wait till it is charged. If it is not waived, I'll cancel. biggrin.gif
Thanks for the tips. rclxms.gif
Wongchoy
post Sep 7 2016, 10:56 PM

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QUOTE(vince-90 @ Sep 7 2016, 10:49 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?
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1st Oct you just stop using the card. Once you get the CB on 28th Oct then you only cancel.
vince-90
post Sep 7 2016, 10:57 PM

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QUOTE(Wongchoy @ Sep 7 2016, 10:56 PM)
1st Oct you just stop using the card. Once you get the CB on 28th Oct then you only cancel.
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Thanks Sifu. I'll follow what you suggest. thumbup.gif
kart
post Sep 7 2016, 10:58 PM

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QUOTE(MGM @ 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.
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Thanks for your reply, MGM. smile.gif

So, for your case, after AF has been charged to your card, you did not pay the AF, and requested for AF waiver a few days later. Alright, that is a good strategy to follow.

My card anniversary date is 7 October, thus I have some concern about annual fee.
MGM
post Sep 7 2016, 11:06 PM

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QUOTE(fruitie @ Sep 7 2016, 10:53 PM)
Coming soon. laugh.gif
hmm.gif OK la, I wait till it is charged. If it is not waived, I'll cancel. biggrin.gif
Thanks for the tips. rclxms.gif
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Just to be on the safe side, dont swipe after u have been charged AF.
Omgf
post Sep 7 2016, 11:10 PM

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Why I keep calling for waiver and all the time CS person said no AF waiver for wise card?
MGM could you kindly provide screenshot of your wise card AF waived here?
lilsunflower
post Sep 7 2016, 11:12 PM

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QUOTE(MGM @ Sep 7 2016, 11:06 PM)
Just to be on the safe side, dont swipe after u have been charged AF.
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If annual fees can really be waived then I may still retain the card and just shift my condo management fees (1400 per month) to Wise since they hardly earn me cashback. Currently using HLB Fortune for those and only earning 1%. HLB Fortune also requires RM2k per month minimum and excludes Pos Online and govt transactions.
MGM
post Sep 7 2016, 11:14 PM

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QUOTE(Omgf @ Sep 7 2016, 11:10 PM)
Why I keep calling for waiver and all the time CS person said no AF waiver for wise card?
MGM could you kindly provide screenshot of your wise card AF waived here?
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U asked b4 the changes in T&C? I just requested for AF waiver today, so the AF reversal would not appear so soon but I ask n was given a report #.
andyfriends
post Sep 7 2016, 11:16 PM

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that means is only 5% CB as opposed to 10% right?
lilsunflower
post Sep 7 2016, 11:18 PM

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QUOTE(andyfriends @ Sep 7 2016, 11:16 PM)
that means is only 5% CB as opposed to 10% right?
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Yes, but it's the RM2000 minimum per month that's hard to fulfil. If you fall short, then you lose all cashback.
andyfriends
post Sep 7 2016, 11:20 PM

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QUOTE(lilsunflower @ Sep 7 2016, 11:18 PM)
Yes, but it's the RM2000 minimum per month that's hard to fulfil. If you fall short, then you lose all cashback.
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so one household use one card ma easier to reach lo

ya btw how to change to the pin card?
arthur88
post Sep 7 2016, 11:24 PM

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QUOTE(andyfriends @ Sep 7 2016, 11:20 PM)
so one household use one card ma easier to reach lo

ya btw how to change to the pin card?
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dont forget, cashback on selected categories only..
spend 2k, but out of 2000, only 500 spend on selected categories...u only get RM500 x 10% = RM50 cash back
kevyeoh
post Sep 7 2016, 11:28 PM

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5% if you really spend RM2k and then you really meet the RM1k for eligible categories...
if you spend only RM500 on eligible categories you end up get RM50 cashback from RM2k expenses...

smile.gif

QUOTE(andyfriends @ Sep 7 2016, 11:16 PM)
that means is only 5% CB as opposed to 10% right?
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fruitie
post Sep 7 2016, 11:34 PM

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QUOTE(MGM @ Sep 7 2016, 11:06 PM)
Just to be on the safe side, dont swipe after u have been charged AF.
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Don't have anything to swipe anymore. laugh.gif
areankim
post Sep 7 2016, 11:38 PM

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QUOTE(MGM @ Sep 7 2016, 11:14 PM)
U asked b4 the changes in T&C? I just requested for AF waiver today, so the AF reversal would not appear so soon but I ask n was given a report #.
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Mine charge last month can call to waive? Hehehee
twhong_91
post Sep 7 2016, 11:39 PM

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second month using it and it will be my last month, great things dont last long i supposed.

anyway, will be checking on new credit cards for good cb. smile.gif
areankim
post Sep 7 2016, 11:39 PM

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QUOTE(MGM @ Sep 7 2016, 11:14 PM)
U asked b4 the changes in T&C? I just requested for AF waiver today, so the AF reversal would not appear so soon but I ask n was given a report #.
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Mine charge last month can call to waive? Hehehee
yw46
post Sep 7 2016, 11:43 PM

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I will move my spendings on my SC GOLD (3.33%) to wise card.
Wongchoy
post Sep 7 2016, 11:48 PM

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My missus is suggesting using pawnshop service. Swipe 1k pay 3% commission. Still earn RM70 a month !! rclxub.gif
fruitie
post Sep 7 2016, 11:50 PM

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QUOTE(Wongchoy @ Sep 7 2016, 11:48 PM)
My missus is suggesting using pawnshop service. Swipe 1k pay 3% commission. Still earn RM70 a month !!  rclxub.gif
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Isn't it now minimum RM 2k? laugh.gif
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