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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 Jul 25 2016, 04:45 PM

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QUOTE(MGM @ Jul 25 2016, 03:44 PM)
Looks like TNB has stop updating bills at https://eapplication.tnb.com.my/public/checkbill.aspx
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Yes, already noticed it just now. Luckily I can now link in new MyTNB, else I'm gonna pray hard that I will receive physical bill. laugh.gif

Anyway question, can ePay or UOBPayOnline accept new account no. or still old account no. or both? smile.gif
fruitie
post Jul 25 2016, 05:04 PM

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QUOTE(janson_kaniaz @ Jul 25 2016, 04:58 PM)
can we pay bill using mytnb? i assume still can get cb for utility.
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You can but it may not entitle for Utilities category.
It is using the same gateway as MyTNB app which doesn't entitle for cash back under utilities category.
fruitie
post Jul 25 2016, 07:13 PM

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QUOTE(janson_kaniaz @ Jul 25 2016, 05:22 PM)
any idea it is under which category then? online?
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No idea. I heard online doesn't have a MCC right?
fruitie
post Jul 25 2016, 07:35 PM

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QUOTE(mamamia @ Jul 25 2016, 07:23 PM)
I login to my TNB apps, my registered account all missing.. When I try to add account, it shown as under maintenance
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Same as my problem last week when it was just up, I managed to do it just now. Anyway, the site is not stable. laugh.gif
fruitie
post Jul 25 2016, 09:19 PM

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QUOTE(managergun @ Jul 25 2016, 08:58 PM)
I have made my payments to TNB through UOB payonline Portal on 21st Jul, but up until today i have yet to get any confirmation emails. I am not sure whether i should pay another round. cos it will definitely duplicate payments if the first tranch payments suddenly go through again.
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How about HL Connect? Does it show all these transactions?
fruitie
post Jul 25 2016, 10:14 PM

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QUOTE(managergun @ Jul 25 2016, 10:02 PM)
It show nothing in hlb connect. Haih....
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Too bad then. You may call CS to check if there are any float transactions.
fruitie
post Jul 26 2016, 11:28 AM

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QUOTE(managergun @ Jul 26 2016, 11:21 AM)
Called yesterday, they said I fail to pay because Tnb changed to new system and we will have new 12 digit account no. All of our payments got to be done with new account no instead.

Then I tried to pay with the new number, but fail. It stated in uob pay online platform that it is invalid ACC number. Faint....
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I already paid on 21st using old account and posted on HL Connect on 22nd.
fruitie
post Jul 26 2016, 03:22 PM

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QUOTE(njan77 @ Jul 26 2016, 12:56 PM)
Damm, today I miss out 2 terminal transaction for WISE card due to card not valid. Luckily I have UOB one card to get CB for petrol and DIGI.
Just now only I received new WISE card with pay wave, why they simply block the old card usage if customer still not received/activate the new card...
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That means the card was sent out long time ago because once the new card is sent out, you will have 90 days before it is deactivated...

Or is it really the card being blocked or something wrong with the terminal? Have you checked with CS?
fruitie
post Jul 26 2016, 04:07 PM

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QUOTE(njan77 @ Jul 26 2016, 04:06 PM)
I have try at 2 different petrol station and 1x Digi store, I didn't call the CS since I just received the new card in the mail box this afternoon.
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Anyway, activate your new card and see if it is OK now.
fruitie
post Jul 26 2016, 09:25 PM

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QUOTE(saitong09 @ Jul 26 2016, 09:21 PM)
Still no news for my Paywave Wise card, should I call HLB?
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No need. They will send by batches. I got my MACH long time ago. Not urgent for me though. laugh.gif In fact, I'm very lazy to change card. Have to check out the delivery address, activate PIN la, this and that.
fruitie
post Jul 27 2016, 11:21 PM

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QUOTE(kengyan @ Jul 27 2016, 11:10 PM)
I know you are trying to help your friend, but do read and understand the next question first before jumping in to conclusion.
If the petrol price really increased by rm0.10/l, how much you can save? rm10?
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You said he misleads others, oh well I could agree with you but you are also speculating.
Looks like old habits hard to change huh? We gave you chances but you probably don't appreciate. Don't start flaming others.
fruitie
post Jul 27 2016, 11:34 PM

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QUOTE(kengyan @ Jul 27 2016, 11:26 PM)
I guess it all started I never put the word "if", my bad on this.
Anyway, what I want to point is, is there any source on sure transaction +1 to get posted? Even the card center's officers cannot tell and confirm on this.
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He said "generally", so it doesn't really mean a die-die +1 day case.
Let's move on.

QUOTE(rachel_xxx @ Jul 27 2016, 11:27 PM)
after cancel the card, how long need to wait to re-apply as new customer (to get waiver of 1st year annual fee)?

thanks.
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Well, usually 6 months but they have the rights to reject your request. You wanna cancel yours? Have you stopped using it? Else you may not be able to get back your cash back as the card is cancelled?
fruitie
post Jul 27 2016, 11:43 PM

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QUOTE(rachel_xxx @ Jul 27 2016, 11:41 PM)
yea plan to cancel and re-apply, or everyone happily paying for the annual fee for this card ?  hmm.gif
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Yes, most of us happily paying for it since we maximize RM 100 every month.
I have been maximizing for RM 100 with RM 985 instead of RM 1k. So technically, one year, I will save RM 15x12 = RM 180 more than enough to pay for the AF+GST. biggrin.gif
fruitie
post Jul 28 2016, 11:43 AM

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QUOTE(IceLeo @ Jul 28 2016, 11:34 AM)
When i read this, i feel funny.. u use RM985 to get 100 rebate and the offset RM15 consider saving??
it just make ur cash back become 10.438413361169% per month instead of 10%..
effectively 8.717428087986% rebate (after annual fee) instead of 8.58666666% if you use RM1000 a month..

I dont see where u save the RM180 by doing the RM985 method.. lol
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Why not a saving? Or maybe my calculation sucks. It is pretty straightforward for me. Instead of spending RM 1000 per month to get RM 100, I only need to spend RM 985 and I get the same RM 100. So every month I save RM 15 (from my pocket) and one year, I save RM 180. No? unsure.gif

OK, I get you but to me the additional cash back's effectiveness is a saving for me because I don't need to spend additional RM 15 every month for the same cash back I will be getting.

Instead of spending RM 12000 per year to get RM 1200 cash back. I spend RM 11820 from my pocket per year to get RM 1200 cash back. That's already a difference of RM 180 there. I was saying a saving from my pocket, just as simple as that lo. smile.gif

This post has been edited by fruitie: Jul 28 2016, 11:49 AM
fruitie
post Jul 28 2016, 11:53 AM

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QUOTE(MGM @ Jul 28 2016, 11:51 AM)
Sorry sis, for this I have to say No. U just got a better rate of CB. Normally rm985 spends will give rm98.50 CB, but becos of your effort u get rm100 CB, an Untung of rm1.50.
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Yes, I just calculated again. laugh.gif Now I got it. laugh.gif
Anyway, it is still worth to pay for the AF. tongue.gif
fruitie
post Jul 28 2016, 11:58 AM

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QUOTE(MGM @ Jul 28 2016, 11:56 AM)
By spending less (rm11820) to get d same CB, u also get less stuffs worth rm180 ie u still need to use rm180 to buy this stuffs.
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Hmm. True makes sense. laugh.gif That's why Finance was never my favourite subject in University. tongue.gif

aeiou228, post nuked. Don't bring other argument here, I don't want to start another round of cleaning...
fruitie
post Jul 28 2016, 01:35 PM

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I will probably add additional two more lines for new account under my "Billing List", just in case the system still hasn't supported 12-digit. I have tried myself yet. Will do it on 1st August. biggrin.gif

This post has been edited by fruitie: Jul 28 2016, 01:36 PM
fruitie
post Jul 28 2016, 04:36 PM

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QUOTE(IceLeo @ Jul 28 2016, 04:12 PM)
Agree with this.. by doing the effort of RM985 spending, u will get extra RM1.50 per months..
that being said, u only will get extra RM18 per year by doing this method..

btw, i never going to have that discipline to spend RM985 per month... most of the time i cant max the cash back but i will get around RM90++ every months..

but i am still very happy to pay the RM169.60 to HongLeong..
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Thanks to Sam's Groceria in my office area, I can be disciplined enough to get RM 985. blush.gif
fruitie
post Jul 28 2016, 04:46 PM

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QUOTE(cybpsych @ Jul 28 2016, 04:44 PM)
laugh.gif i would see this in a simplistic manner: your RM1.50 extra cb and RM15 less spending, has different value to me and to others.

thumbup.gif
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laugh.gif Actually to think back, some of my spending are not even mine. I help others to pay only and I earn the cash back. rolleyes.gif
fruitie
post Jul 29 2016, 11:25 AM

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QUOTE(michaelho @ Jul 29 2016, 11:20 AM)
Your BF/Hubby is a lucky man. So good in maximising CB and prudent. His finances is safe with you smile.gif
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You may call me cheapskate in another word. tongue.gif
No la, just wanna maximize what I have only. smile.gif

This post has been edited by fruitie: Jul 29 2016, 11:26 AM

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