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

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kit2
post Aug 12 2016, 11:42 PM

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anybody who applied in august 2015 got charged af in your latest statement? my card was approved in august but didnt receive the card until late september. should i ask them to defer the af until next month?
kit2
post Aug 13 2016, 07:06 AM

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QUOTE(red_scorpion @ Aug 13 2016, 04:31 AM)
same, my card also approved on 8th August based on sms, i got AF charged this year on 7th August even though I received the card around mid of September last year.
haiz...nvm la..i also lazy call them, rugi 1 month+ lor...
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dont be lazy leh...it's rm100! sad.gif
kit2
post Sep 8 2016, 11:47 AM

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QUOTE(Tigerr @ Sep 8 2016, 11:39 AM)
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.
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yup, nice move for *misleading* branding smile.gif

wise 10% cashback, capped at rm100 with min spend rm2000
justone 15% cashback capped at rm85 with min spend rm2500
hsbc 8% ....


kit2
post Sep 8 2016, 07:47 PM

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QUOTE(Human Nature @ Sep 8 2016, 06:33 PM)
I received confirmation that cash back for September 2016 (10 swipes condition) will still be credited on on 28th Oct 2016.
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you mean if you cancel the card now?
kit2
post Sep 8 2016, 10:00 PM

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QUOTE(michaelho @ Sep 8 2016, 09:57 PM)
To those who are using PBB VS, time to supp cards to your father/mother/sisters/brothers etc . They allow up to 6 supp cards if I am not mistaken and opt for separate statements.
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i believe pbb vs is next in line smile.gif
kit2
post Sep 9 2016, 01:22 PM

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QUOTE(kop2299 @ Sep 9 2016, 11:47 AM)
Talked to a CS just now concerning card cancellation. She double confirmed that the PAID AF can be refunded based on pro rate basis for my case. My AF was charged in July and If I cancell in Sept. I will be charged 2 months AF only. The bank will refund the balance 10months AF to me. She advised to wait for the CB credited (AUG) and submit cancellation thereafter.
I am planning to max out Sept spending and cut the card by end Oct.
So, anyone who want to cut the card and get back the AF can call to CS to verify again.
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prorating of AF sounds like a win-win solution. if cancel now, might lose not only cashbacks for september but also for august's spending.
kit2
post Sep 9 2016, 10:53 PM

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QUOTE(tonytyk @ Sep 9 2016, 10:08 PM)
Seems Hong Leong now desperate to charge annual fee, even if you cancel the card
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try asking to be prorated.
kit2
post Sep 12 2016, 07:18 AM

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QUOTE(echoesian @ Sep 11 2016, 12:44 AM)
If we still continue spending in September, would we still get the 10% CB on October statement?
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yes, if you keep the card until you get the october statement.

hlb is very smart. many people got this card in july and august last year after the maybank 2 card cashback was withdrawn. however, wise cards were only issued in september and yet AF was still charged in july and august this year. therefore, this made many of us pay the AF or lose the cashbacks for up to 2 months.

This post has been edited by kit2: Sep 12 2016, 07:22 AM
kit2
post Sep 14 2016, 10:48 PM

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any more successes in getting the bank to prorate or waive AF? please share your experience.
kit2
post Sep 15 2016, 04:49 PM

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QUOTE(fruitie @ Sep 15 2016, 03:39 PM)

Add on: Just called and expected no waiver but I questioned the inconsistency of their practice. Why some customers got it while some don't get it? He insisted only those first year will get, subsequent will not get. I asked him to check back his record, some got it within this month. It is not difficult to check when today is only the 15th day of this month. He then said, if it is waived, usually it is given by retention department. Fair enough. So, I asked for cancellation and at the same time asked about my cash back. He said if I cancel now, I will not get my August cash back which is expected to be in on 28th Sept. OK, it makes more sense to cancel after 28th Sept right? He said yes. laugh.gif So yeah, I postponed my cancellation plan. I will be back for update after this. rclxms.gif
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so you intend to pay AF?

my sister cancelled her citi card after af was charged and was required to pay af. fortunately, after a long argument, they let her pay only the prorated portion of af. hong leong might be the same?

kit2
post Sep 16 2016, 12:10 PM

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QUOTE(fruitie @ Sep 15 2016, 05:15 PM)
Nope. I will not pay and cancel after cash back is in.
Oh damn. My statement date is on 27th which is one day before cash back date. bangwall.gif Just remembered this. doh.gif
Nope, no intention to pay.
Now I just remember it will be posted in my statement on 27th. doh.gif doh.gif
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this bank is much wiser than we thought. we need to wait at least 28 days to get cashbacks, but to change tnc they need only 21 days smile.gif
kit2
post Sep 16 2016, 08:24 PM

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called hong leong to push my anniversary month from august to september but to no avail. the cso kept insisting my card was issued on august 2015. i told him they ran out of bloody wise cards on august last year and how could they have given me the card on august.

i wonder how many people who didnt get their cards for one month or more called to have anniversary month moved to september.
kit2
post Oct 2 2016, 10:57 PM

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QUOTE(laymank @ Sep 30 2016, 02:52 PM)
I called during night, the CS told me it will be prorated.
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have you paid the af? if you terminate and get prorated, any idea how are they going to return you the money?

This post has been edited by kit2: Oct 2 2016, 11:01 PM
kit2
post Oct 28 2016, 08:32 AM

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QUOTE(cybpsych @ Oct 28 2016, 08:17 AM)

in short: make sure cashback refreshed in your account/statement, transfer out to Mach, terminate card, prorate AF and refreshed in the account, then transfer out to Mach.
mach refers to mach savings account or mach credit card?

kit2
post Oct 28 2016, 04:19 PM

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QUOTE(sysy @ Oct 28 2016, 03:08 PM)
But i tot once cancel we will no longer able to view from HLconnect.
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you can still call to check.
kit2
post Oct 28 2016, 08:56 PM

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QUOTE(chezzcake2 @ Oct 28 2016, 05:11 PM)
anyone like me?
0 transaction on OCT rclxms.gif
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i have some transactions from sep 27-30. instead of them
refunding me the rm100 cashback and the prorated af, i may have to pay them a small amount. much easier this way smile.gif

tomorrow is deepavali. i hope there will be enough cs agents on duty!

This post has been edited by kit2: Oct 28 2016, 09:05 PM
kit2
post Oct 29 2016, 06:16 AM

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QUOTE(chezzcake2 @ Oct 29 2016, 03:13 AM)
already in
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it's time to call...

wake up everybody smile.gif

kit2
post Oct 30 2016, 06:54 PM

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QUOTE(aromachong @ Oct 30 2016, 01:59 PM)
actually worth to keep if they gave you 2 years AF waiver
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yup, but with AF paid recently, AF billing pushed to 2018 is effectively one year of AF waiver.
kit2
post Oct 30 2016, 09:07 PM

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QUOTE(kart @ Oct 30 2016, 08:52 PM)
To everyone, what should I do, for my case?

1) Since the annual fee is not posted to my transaction history in HL Connect, I would insist on not paying the annual fee for Year 2016. The annual fee is to be paid by me on Year 2017. Or:

2) Accept HL CS Offer and I have to pay for annual fee for Year 2016. But, the next payment for annual fee will be extended to October 2018, instead of October 2017.

Thank you for the advice. smile.gif
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can you clock rm2000 per month?

if i were you, i would cancel or switch and get the prorated AF back. for your case, you only stand to lose about rm15.
kit2
post Oct 30 2016, 09:28 PM

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QUOTE(kart @ Oct 30 2016, 09:16 PM)
fruitie and kit2

Thanks for the reply. smile.gif

I would spend RM 2000 on a month, and would not use the card at all on next month. As such, I would repeat this cycle.

The card is still useful for me, since it provides cashback for Aeon departmental and mobile bill payment.
when the af is paid, and if you are clocking rm2000 every month, the effective cashback is 4.3%. if you are doing it every alternate months, the effective cashback drops to 3.6%.

is it worth all these troubles? mach card gives you 3% for mobile with no af and no minimum spend. but then again, wise card trumps when it comes to departmental.

This post has been edited by kit2: Oct 30 2016, 09:30 PM

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