I can't wait for this day to arrive as I can cancel all my wise cards (and all other HL cards) once for all. no need to track all the spending on each cards so to make it as close to 985 as possible.... but I welcome their on n off 30% cash back on dining...

This post has been edited by Tigerr: Aug 14 2016, 05:32 PM

don't troll here. your friend spending 7 figures a year but using wise card....what a joke....

7 figures spending if on essential card getting 1% cash back previously also about 10k cash back but holding that wise card getting max 1200 cash back per annum. you judge he is trolling here or what....and can easily ask for annual fees waive off with essential...or should I say with 7 figures spending power still ask for that annual fee to be waived???

This post has been edited by Tigerr: Aug 16 2016, 05:13 PM

instead of suggesting her for annual fee waiver....why not suggest her for better cash back cards....since she is freaking rich, spending 7 figures on other cards....really don't see the point why HL didn't up grade her more atas card. by the way, is there any credit limit for cards like wise?

wondering such a rich person got face to call cs to ask for fee waiver.....how to open mouth ask??? if me, malu leh if kena rejected n I giving them 7 figures spending every year...

This post has been edited by Tigerr: Aug 16 2016, 06:07 PM

HNW customer, normally bank will offer them what benefits? u got many such friends, do they still care about asking annual fee waiver?

earlier said is your friend, now is what u see from Internet.....apa ni...

here is not Kopitiam. don't come here to blow water for information that is not true and mislead the readers. I guess u can understand this and don't come with a statement of you care or not care whether other readers in agreement or believing what u wrote. don't make other people confuse.

TNG can go Jaya groceror. other bills like mobile can use auto deduct, tnb bills can go kiosk. petrol can use pump dispenser, groceries can buy vouchers. departmental also can buy vouchers....so many options to achieve the full rebates....

I also got such called from mbb asking me to join a survey but I asked what benefits, she said nothing woh......

This post has been edited by Tigerr: Aug 25 2016, 08:57 AM

once I spend 985 by the end of this month, I will try call to cancel the card and ask for AF which I had paid in March to be reversed back to me if they want to retain me...

it is still the highest cb this month n not so sure if still the highest next month.....

the trouble is the min 2k spending got to keep track. if spend less by 0.10, may be the 100 cb becomes 0.

if max cb at 4.xx % annually after factor in the AF. it is not so attractive anymore n smaller spenders will have no option but to cancel it. I think switch to spend on other cards to gain Enrich/KF points and convert into tickets may worth more in terms of value.

similarly, whether we accept or not, it is their concern. they still want to retain some of us by branding it as the highest cb card.

if able to get my March AF reversed back...I will still cancel the card 2 months later after see the money reversed in...

may be yes or no. since my annual fee is paid for 10x 50 with 100 cb, half way they change the terms n condition....I will demand my AF paid earlier as the product n services which I subscribe now have changed but my subscription fees (AF) paid earlier will last me for 1 year.

u r slightly wrong...the calculation is this.

RM1,030.40 / ( RM24,000 + RM 169.60 ) = 4.26%.....

This post has been edited by Tigerr: Sep 21 2016, 09:24 AM

that's not the best one. I enjoyed the 30% Cashback on dining/grocery spent on weekend.

it is not wrong for anyone to express their opinion or views or dissatisfaction over the wise revised terms n condition. so, if u do not like it, u can can move on n ignore the threads. I believe u understand fully about the new terms n don't have to check how to maximize the benefits as u won't really see much ways to tell u how to maximize here but just expressions of how hate they are towards the new revised terms. u can check back later once everyone settled down n adapt to the new wise cards

the bank not just make their money thru charging 3% on merchant. their main income come from card users who has out standing with them as they are charging high interest rates n late fees etc etc. with a large pool of card users, the total income that the bank likely going to generate will be higher although the percentage might remain the same. the way HLB try to do is whack up every users to have out standing of 2k every month n the likely hood to defer payment will be much higher than 1k out standing.

so if the pool of card users reduce, their statistics might not look good.

wise also not giving you 5% for any transaction. see if u swipe 2k on insurance n see how much cb u r getting...
best is using others card which can yield 5% straight....no need maintain the calculation of 1k + 1k there...
use uob lady card gives u 10% on groceries too

This post has been edited by Tigerr: Sep 30 2016, 08:43 PM