stno-q1-00032790-5-X

Statement Date
Tarikh Penyata 15 MAR 2019
SEE SHANYU
NO JC 835 Payment Due Date
Bayar Sebelum 04 APR 2019
JALAN RM 5
TMN RIM MUTIARA Combine Credit Limit (RM)
77000 JASIN Had Kredit Gabungan (RM) 10,000.00

Credit Card Number Credit Limit Card Type Current Balance Overdue/Limit Minimum Payment
Nombor Kad Kredit Had Kredit Jenis Kad Jumlah Terkini Tunggakan/Lebih-Had Bayaran Minimum
(RM) (RM) (RM) [A] (RM) [B]

4902 8170 4877 9233 10,000.00 GSC-HONG LEONG VISA GOLD 313.50 0.00 50.00

TOTAL Minimum Payment

Total Current Balance
Jumlah Terkini 313.50 Jumlah Bayaran Minimum 50.00
Total Jumlah [A] + [B]

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WARNING ON PAYING ONLY MINIMUM MONTHLY REPAYMENT

If you make only the minimum payment each period, you will pay more in interest and it
will take you longer to pay off your balance. Please refer to the back page for more
information. Alternatively, you may also refer to the credit card calculator available on our
website www.hlb.com.my or bankinginfo website www.bankinginfo.com.my
AMARAN JIKA HANYA MEMBAYAR BAYARAN MINIMUM BULANAN
Dengan hanya membayar bayaran minimum bulanan setiap tempoh, jumlah faedah dan
tempoh pembayaran untuk menyelesaikan baki penuh akan bertambah. Sila rujuk kepada
mukasurat di belakang untuk maklumat lanjut ataupun merujuk kepada kalkulator kad
kredit yang sedia ada di laman web www.hlb.com.my atau di laman web bankinginfo
www.bankinginfo.com.my

Hong Leong Bank Berhad (97141-X) Page 1

SEE SHANYU

YOUR TRANSACTION DETAILS / TRANSAKSI TERPERINCI ANDA

Transaction Posting
Transaction Description Foreign Amount Local Amount
Date Date
Deskripsi Transaksi Amaun Wang Asing Amaun Tempatan
Tarikh Tarikh Bil
(RM)
Transaksi Diterima

GSC-HONG LEONG VISA GOLD - 4902 8170 4877 9233

PREVIOUS BALANCE FROM LAST STATEMENT 0.00

NEW TRANSACTION / CHARGES
08 MAR 09 MAR GSC AEON BDR MELAKA MELAKA MYS 33.50
08 MAR 09 MAR HOME PRODUCT-TESCO MLK PERINGGIT MYS 280.00

SUB TOTAL 313.50

TOTAL BALANCE 313.50

REWARD POINTS SUMMARY / RUMUSAN MATA GANJARAN

Carried Forward Earned Redeemed Expired Adjustment Available
Dibawa Kehadapan Untung Penebusan Luput Penyelarasan Sedia Ada
14,864 0 0 5,195 0 9,669

4902817048779233_4 2
REWARD POINTS EXPIRING WITHIN NEXT 6 MONTHS / MATA GANJARAN LUPUT DALAM MASA 6 BULAN
15 APR 2019 15 MAY 2019 15 JUN 2019 15 JUL 2019 15 AUG 2019 15 SEP 2019
618 754 492 931 1,921 473

GSC REWARD POINTS SUMMARY / RUMUSAN MATA GANJARAN GSC

Carried Forward Earned Redeemed Expired Adjustment Available
Dibawa Kehadapan Untung Penebusan Luput Penyelarasan Sedia Ada
1,856 380 0 0 0 2,236

GSC REWARD POINTS EXPIRING WITHIN NEXT 6 MONTHS / MATA GANJARAN GSC LUPUT DALAM MASA 6 BULAN
15 APR 2019 15 MAY 2019 15 JUN 2019 15 JUL 2019 15 AUG 2019 15 SEP 2019
0 0 0 0 0 0

MESSAGES, NEW SERVICES & PROMOTION HIGHLIGHTS / PESANAN, SERVIS & PROMOSI TERBARU

SMS TRANSACTION ALERT

As an added security feature, SMS will be sent on all your credit card transactions above the default threshold amount set by the Bank. To set your
preferred threshold amount, change the alert method OR opt-out of this service, obtain the Credit Card Transaction Alert Service Maintenance Form
at www.hlb.com.my/ccf or the nearest Hong Leong Bank branches and submit the completed form via fax/email.

Say YES to Interbank GIRO (IBG)

Enjoy ZERO COST for IBG / Instant Transfers online, while RM0.50 processing fee is charged per cheque issued. Log in to HL Connect > Pay & Transact >
3rd Party HLB/IBG/Instant Transfer, or if you’re new to HL Connect, please register at https://s.hongleongconnect.my/rib/app/fo/sec/reg

Hong Leong Bank Berhad (97141-X) Page 2

 Cardholders' Liability For Unauthorised Transactions
Cardholders are reminded to be aware of potential liability for card-present unauthorised transactions. For more details, please visit
www.hlb.com.my/chl

Tipping Feature on Point-of-Sale (POS) Terminals

Kindly be informed that certain Point-of-Sale (POS) Terminals are enabled with a Tipping feature where it allows you to add a tip amount to your card
payment. To learn more about this feature, please visit www.hlb.com.my/tip

4902817048779233_4 3

Hong Leong Bank Berhad (97141-X) Page 3

IMPORTANT INFORMATION (For BM version, please go to www.hlb.com.my/CC_BM )
1. Finance Charges
Cash Advance Transactions
Cash Interest of 1.5% per month or 18% per annum will be charged on outstanding Cash Advance balance from the date cash is disbursed until full
repayment. No interest free period on Cash Advances.
Retail Transactions
-At least 20 days interest free period from the posting date of all retail transactions if full payment is made on the Current Balance by the Payment Due
Date in the prior month.
-Retail interests will be charged on all new retail transactions from the posting date, if full payment is not made on the Current Balance by the Payment
Due Date in the prior month, based on the following tiered rates:
Finance Charges for retail transactions
Cardholder's payment behaviour Retail Interest Rate (%) per annum
Cardholders who promptly settle their minimum payment due for 12 consecutive months 15%
Cardholders who promptly settle their minimum payment amount due for 10 months or more in a 12-month cycle 17%
Cardholders who do not fall within the above categories 18%
Balance Transfer
Interest on Balance Transfer is calculated on daily basis and is charged on the outstanding balance of the Balance Transfer approved amount until full
repayment.
The formula used for the computation of the finance charges is as follow:
f = (B) x (P/D) x (R) Where: f - is the interest charge for a particular balance B computed over the period of P days
B - is the balance that is imposed with finance charge
P - is the respective interest bearing period in days on which balance is imposed with finance charges
D - is the number of days used as the base for annual rate
R - is the annual finance charge stated
2. Notice on Monthly Payment
Standard illustrative examples on how long it would take to pay-off outstanding balance. The computations are based on Finance Charge of 18%p.a. without
new transactions, payment is credited on the Payment Due Date and there are 30 days in a month.
Examples under different outstanding amount scenarios
Outstanding Balance (RM) RM3,000 RM5,000 RM10,000
Repayment (RM) Pay only minimum Pay Pay only minimum Pay Pay only minimum Pay
amount (RM150) RM250 amount (RM250) RM350 amount (RM500) RM600
Repayment Period (months) 4 years 1 year 5 years 1 year 7 years 1 year
8 months 3 months 10 months 6 months 5 months 9 months
Total Interest Incurred (RM) RM 1,055 RM 333 RM 1,912 RM 670 RM 4,055 RM 1,594
Payments received will be allocated to settle balances (i.e. items appearing in the statement) according to their interest rates, in descending order, where
the items attracting the highest interest rate shall be paid first.
3. Fees and Charges*
Credit Card Service Tax RM25.00 per card
Cash Advance Fee Fee 5% of the cash withdrawal amount or RM20.00 for all Cards; and 2% of the cash withdrawal amount or RM5.00 for Essential
Card, whichever is higher.

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Replacement Card RM50 charged on each card replacement applicable to damaged card as well as lost/stolen card.
Additional Hardcopy RM5.00 per statement.
Statement Request Fee
Sales Draft Retrieval Fee RM20.00 per copy.
Late Payment Charge Minimum RM10 or 1% of total outstanding balance as at statement date, whichever is higher, subject to a maximum of RM100.
Overseas Transactions - Transaction in Foreign Currency - The transaction in foreign currency shall be converted at the foreign exchange rate and
spread, if any, as determined by Visa International or MasterCard International, plus up to 1% mark-up imposed by the
Bank. The 1% mark-up imposed by the Bank is not applicable to I'm Credit Card.
- Transaction in Ringgit Malaysia (RM) - Any administration fees charged by Visa International or MasterCard International.
*Subject to Government Tax, if applicable.
4. Usage of Credit Card for unlawful activities
Your card is not to be used for any unlawful activities, including but not limited to illegal online betting or gambling. The Bank shall be entitled to terminate
your credit card immediately without any liability to you if the card is found to be used for this purpose.
5. Statement Accuracy
Please examine your statement and advise us of any errors within fourteen (14) days upon receiving the statement.
6. Lost or Stolen Cards or Pins
Call 03-7626 8899 (available 24 hours, daily) immediately to lodge the report. If your card is lost/stolen while travelling abroad, please report to Visa and
MasterCard Travel Service or the nearest affiliates for assistance. If you have informed HLB of the lost/stolen card(s) as soon as reasonably practicable and
that you have not acted fraudulently, your maximum liability for unauthorized transactions shall be limited to RM 250.
7. Credit Card Customer Service
For your convenience, we have added Social Media into our list of contact channels. You may now reach us at:
. Phone Banking 03-7626 8899
. Mailing Address - Hong Leong Bank Card Service, Customer Service Department, P.O Box 12109, 50768 Kuala Lumpur
Or Message Us at:
. Hong Leong Connect
. https://www.facebook.com/HLBMalaysia/
. https://twitter.com/MyHongLeong
. Search 'Hong Leong Bank Malaysia'
8. Bank Negara Malaysia Contact Details
For enquiries on matters related to the financial sector, please contact BNMTELELINK at 1-300-88-5465, Email bnmtelelink@bnm.gov.my or log on to
www.bankinginfo.com.my
9. Cardholders' Responsibilities
a) Abide by the terms and conditions for the use of the credit card.
b) Take reasonable steps to keep the credit card and PIN secure at all times, including at the cardholder’s place of residence. These include not:
i. disclosing the credit card details or PIN to any other person;
ii. writing down the PIN on the credit card, or on anything kept in close proximity with the card;
iii. using a PIN selected from the cardholder’s birth date, identity card, passport, driving licence or contact numbers; and
iv. allowing any other person to use the credit card and PIN.
c) Notify the issuer as soon as reasonably practicable after having discovered that the credit card is lost, stolen, an unauthorised transaction had occurred or
the PIN may have been compromised.
d) Notify the card issuer immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised.
e) Notify the card issuer immediately of any change in the cardholder's contact number.
f) Use the credit card responsibly, including not using the credit card for unlawful activity.
g) Check the account statement and report any discrepancy without undue delay.
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