seriously, those shops that offer you 0% instalment plan are still making money because they charge you retail price where as you actually can buy the phone at a cheaper rate at LYN garage sales section. the price difference can be of RM100 to RM300.

simple example, you can use Citibank card to buy a S3 at Senheng/SenQ with RM52.75 * 36 instalments = RM1,899, whereas you can buy from garage sales at RM16xx cash. the difference of RM2xx can be described as the interest for the instalment plan

this is what i noticed from the 0% instalment plan offered by majority merchants. their price are usually higher than cash price, you really need to make comparisons before buying

the difference is just too obvious if you compare the retail price with garage sales/lelong

if the price difference/interest charged is higher than the FD/market interest rate then it is not worth paying on instalment plan.

i also do what you did such as i bought a HP notebook from HP on 24 months 0% instalment plan after comparing other options

If you have extra cash and dont want to pay extra then go for cash/cc one off settlement.

For better cash flow then pick instalment plan

The 0.65 percent premium will be charged every month as long as your card got payment transaction. This is to insure the outstanding balance just in case you are dexd

the insurance comes with the cc, once the cc is cancelled then the insurance will be cancelled as well. you can call to prudential to cancel it as well if you don't it anymore. there is 14 days cooling off period, no need to pay anything

i have subscribed to the 0.65% insurance, i am sure that whenever you have statement balance, they will charge you the premium. if you don't want it, you can call to prudential to cancel it

today i called UOB to either apply another VOX or switch from ONE to VOX but the CS said GST will be charged. sienz. thinking of cancelling the ONE card now and re-apply later

My default is 13

Use payonline.com.my

This post has been edited by nothingz: Jan 30 2013, 05:49 PM

max 7 digits can be alphabets without number

This post has been edited by nothingz: Feb 1 2013, 11:37 PM

mine is 7 digits alphabets only

All transactions including foreign countries. But admin charge applies for overseas transactions. Not worth to use

To enjoy more rebates, get occbc titanium card and mbb 2 cards. This uob one card is only good to use after you have max out your cash rebates of the other 2

This post has been edited by nothingz: Feb 8 2013, 03:08 PM

around 1%, anyway UOB's foreign currency exchange rate is still higher than Maybank which is found to be having the best conversion rate, may be due to lower admin charge. therefore if you want to swipe your card overseas, better use MBB Visa or Mastercard

15K credit limit can get preferred platinum already i think.

Mind to tell how long does it take to deliver to you? Normal post or courier?

mbb 2 gold & platinum have similar privileges, not much difference. i'll take MBB 2 instead of UOB One if there are limited options (those earning less than 36k pa can only own credit cards from 2 issuers)

UOB RM50 cash back promotion for new customers

5% cash rebate on all online spending except for the following:-
i Insurance including insurance services, insurance continuity or subscription,
insurance sales, underwriting and/or premium;
ii Court costs including alimony and child support; and
iii Government related payments including government fines, government bail
and bond payments and government tax payments.
Note: For the cash rebate category of online spend, the maximum amount of cumulative
cash rebate awarded for both principal and supplementary UOB VOX Card (combined)
is capped at RM50 per calendar month (or such amount that UOBM may decide at its
absolute discretion).

From UOB Website

i have just got the Vox Card too, so far have not made any transaction. hope that i will get 5% rebate on all online transactions except stated above

This post has been edited by nothingz: Feb 17 2013, 07:09 PM

should refer to the T&C, anyway it is difficult to define 'bill payment', telco bill may be considered as bill payment too. since not much users have this card, we shall try and post the results here

if you don't swipe your card once a month, they will charge your RM6 for that month. other than that, there is no annual fee. annual GST be separately mentioned.

i have just finished reading its T&C, through my understanding, you can never achieve RM1000 rebate per year since your maximum rebate per month is only RM80 and 80 x 12 = RM960 only. RM50 is the maximum cash rebate you can get for online transaction, for 'retail transactions' the maximum you can get is RM1000 x 3% which is RM30 per month. Add up only RM80 per month, consider very good if you can really utilise it. Anyway, for me it is not likely since i need to spend 8k in the previous month in order to get the 3% this month. afterall i don't think i can spend 8k in a month

according to the T & C, TNB should be treated as online transaction qualified for the 5% rebate

This post has been edited by nothingz: Feb 17 2013, 08:00 PM

I got this from the card package. I think not many merchants fall under this category, bill payment 5968

This post has been edited by nothingz: Feb 19 2013, 09:25 AM


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