Mine immediately disappeared as I was talking to him it was still there, once he told me already put in request for cancellation, straight disappeared.

min 2K /month is hard for me..19xx = 0 cashback..risky

6. Use the RM1000 'no cashback' portion for things that most credit cards normally don't give you cash back (or low cash back) such as governments transaction, insurance, education, hospital etc.

i wonder how you can get the af waive, i call 3 times today and 3 officers also told me can't be waived the af of wise card
i have the fortune card with them also, previously government transcation such as LHDN online payment also entitle to get 1%
but since sep 2016 onwards they are not entitle, the officer told me, hlb even didn't inform me about this 

Bro, HLB has 6 months zero interest, zero processing fee BT now. You may want to kiv to reduce credit limit first.
If the amount is 15k or more, HLB just credit the money to your SA. No need BT to other CC.
You only pay min 5% per month for the first 5 moths and fully settle the bal on the final month.
Yes, Zero interest, zero processing fee.