Hi,

Finally i got my Essential HLB Credit Card. Want to ask if i pay only the minimum fee Rm50. Let's say my Statement Balance Rm200. The interested is based on RM150 or Rm200?

Thank you.

Hi, thanks for reply. I don't know, my friend did this. She said slowly RM50 RM50 pay. I told her the interest is high, not worth for not paying full.

Yea, thanks for the advice. Mine i settled full. Planning to get 0% installment, but the card limit is only 2990RM. Need to ask for more limit, but the CS told me use the card first, then ask for extend. How long should i use until i can call them to ask for increase in credit limit?

Thanks.

Okay noted. I wonder if this question i ask in correct section. If i go senheng to purchase a phone for RM3699 with 0% interest installment. However, my card is only 3000 limit. Can i settle the 699RM in the shop and swipe my card RM3,000 for 0% interest?

Yeap, understand on the above. Thanks chiahau. Have a nice day.

HI,

I am currently having an Essential Credit Card from HLB and recently got my MACH Credit Card approved from HLB. However, I am travelling to Kuala Lumpur on Friday and wishing to swipe my Hotel's payment with my MACH for more cash back. But in this case, i do not received my MACH credit card yet, is it possible to get my CVV from HLB so i can fill in my credit card detail thru booking.com? Meanwhile, i have seen my MACH credit card appeared on my HLB Connect. Please advise.

Thank you.

Oh ya. Thanks. I chose trendsetter. I have just checked, there is no cash back on hotel. So, I will just swipe it with my Essential Credit Card.

Hi all,

I am staying in a hotel costing rm200 per night. However, they required rm200 as deposit. Hence, they swiped rm400 of my credit card which i received the message alert and also the printed slip. Upon checking out hotel, they will charge the actual amount which is rm 200 right? If yes, what do they do with the rm400 they swiped my card earlier? Do they tear off the paper? Or refund. Sorry its my first time paying deposit with credit card, normally they ask for cash.

Thanks in advance.

Woah. Thats prompt response. What do you mean by refund on credit card machine. Do i received any written paper writing in regards of refund?

Thanks again.

Okay noted. Will request for that upon check out. Thanks for helping though.

Hi, i ever seen a post about monthly income 2k+ only can apply for 2 maximum credit cards. However i am having 3 credit cards from HLB. Is it possible to apply for another bank? or i have to cancel the other 2 cards from HLB first.

I wonder what do you mean. As i know, as a credit card holder, if we owe bank the longer the time, we will be the one who are getting the advantage (BUT not late payment which will imposed in interest rate/late payment charges).

For Example, My statement date = 27th of every month, and due on 16th of the following month. I should pay by debt around 10th of every month to fully utilised the loan as there is no interest rate imposed when we pay within the due date. Hence, by doing so, bank could not earn our payment's interest rate if we pay the money late.

So in your case, is it you mean you gonna owe the bank and wait until the few days before due only you pay?

Hi, my credit card limit is RM3,000. But I am going to purchase a furniture which cost more than that. Just called HLB and the operator said I am not eligible to apply for temporary increase credit limit as I am new card holder. So if there is anyway I can do to get the credit limit increase? I ever read from 1 post, is it i will just transfer more money to the credit card, so the limit will increase? Let's say if I am buying a RM4,000 furniture. I will need to transfer RM1,000 in advance to the credit card. Then use the credit card to swipe RM4,000. Please advise. Thank you in advance.

Thanks both. Will do it to purchase the furniture.

Hi.. Yes you can still apply with 3 months salary slips and kwsp statement..

Hi, normally we need to own a credit card for how long to entitle for temporary credit limit increase? I am having Mach, since May, wonder if I am entitled to temporary credit increase, I have good payment with them too.

Noted. Thanks fruitie.

I read somewhere in this forum, there is no way a shop can charge our purchase if we swipe our credit card right? For example, i bought RM100 good, and they said credit card will be charge 5%. Is that normal?

Other than the above, some shop does not accept purchase with credit card below RM50. Is this normal?

Thanks.

This is very helpful. Thank you.

Hi guys,

Happy Sunday. I would like to understand more about Easy Payment Plan (EPP) paid by credit card. Let say if I walk in to SenQ/Senheng to buy iPhone 8 with EPP. Do they need me to sign and documents when i but on the spot? As I am holding a supplementary credit card, do they need the principal(Dad) of the credit card to presence?

Other than that, if i buy thru online, i will just inform my dad and key in my credit card number.

Further to the above, if I am supplementary of this credit card and swipe RM4,000 product, can i do BT to other bank under my name? As supplementary credit card is from my Dad.

Thank you in advance.