I guess UOB wlll most probably waive it, but the point is why come out with this ridiculous policy which causes in convenience to the cardholders that settle in full monthly and also use up the customer service resources. For those who have installment plans and outstanding balances, they don't won't waive also cannot do anything.

This post has been edited by Gen-X: Jul 17 2012, 10:47 AM

I agree, most of us having Maybankard 2 Cards are happy with Maybank and because of this we are willing to recommend the MBB 2 Cards to our friends.

To add to above:

I guess it also boils down to who is heading the CS department and their staff level of training. Maybank CS has improved tremendously after taking over AMEX's operation. CIMB also has benefited from taking over Southern Bank where their DA CS were very well trained and this has been passed on to CIMB staff.

As for UOB, I do find their CS in general satisfactory. Maybe got 1 or 2 occasions I am not happy with them, but then again it can be expected since my CC relationship with them goes back more than a decade.

However, I would like to say that if one is not satisfied with a particular service, there are avenues to make complains, but more importantly is that your complain is addressed to the right person. Take for example a member was rudely attended to at Maybankard 1U centre and he made a complain to the right person and the manager at 1U had to apologize to him. I myself have been dissatisfied on many occasions with CS representative or branch's staff over the years (disappointed with a bank manager too because of bank's policy/SOP), but liasing/corresponding with the right person (you need to go do homework to determine who to talk to and how to contact the person) will lead to a satisfactory conclusion. But I can tell you this, you be nice and polite to the banks tellers, and they will be nice to you too

Making complains here in this forum (go read HLB thread), would not solve anything.

This post has been edited by Gen-X: Jul 17 2012, 09:38 PM

UOB currently not offering any installment plans for general retail purchases, at least not shown in their website except for a Samsung S III thru their participating merchant. Having said that, if you are one of the "selected" cardholder to be invited for 0% 6 month installment plan via SMS, then you are eligible for it. If you receive the SMS, then call CS to double confirm your name is on the list and get further clarification from them.

Balance Transfer is another program whereby you need another credit card from a different issuer. Example, you charge RM1.5K to your UOB. And you happen to have another Bank A's credit card offering Balance Transfer (0% or x%). You can then apply to Bank A to request that they make payment to your UOB credit card account; thus your debt is transferred from UOB to Bank A if it is approved. Also to note, you must apply fast fast with Bank A so that they can approve it and make payment to your UOB account before your UOB Due Date to avoid late payment penalty and interest charges.

This post has been edited by Gen-X: Jul 21 2012, 11:08 AM

I still think you should call CS up to confirm is the EPP for retail transaction is still available.

You should call the CS up at least few days before your Statement Date in order to convert your retail transaction to EPP so that at least it is reflected when the statement is generated.

You have UOB One Card or what card? For BHP the UOB One Card is good That's if you don't hit the cap.

However, I find it odd that you mentioned that you are billed for annual fee for past years because the auto annual fee waiver requirement was very reasonable until this year.

Talking about Insurance, well, my advise to everyone is not to sign up with any insurance offered by credit cards. Reason I am still holding my Preferred Plat is because I'm stuck with one Click here to read my article UOB Credit Cards - Why You Force Me To Beg You? and find out what is the latest requirement for UOB auto annual fee waiver

Anyway, since you looking for a card, check out OCBC Titanium MasterCard which offers 5% cash back for Petrol, Groceries, Utility Bills and Dining. And best of all, swipe 12 times and the annual fee is FREE

This post has been edited by Gen-X: Jul 23 2012, 11:07 PM

Like the first time I posted at MBB 2 Thread, you a trader, so must be good with numbers Glad to know you did some homework and manage to find the right card that suits your need. Now you are qualified to go be a panel at Recommend CC Thread

You are right, WhiteWing tip is indeed very good. Posting it at Page1

Bro, did you go print out your CCRIS report the first time they rejected your application and see if there's anything detrimental to your application? Any reason given?

And yes, odd that you have a housing loan with them but they can't issue you a card for like few thousand CL. How's you housing loan repayment by the way?

This post has been edited by hye: Jul 27 2012, 06:22 PM

if you read the T&C here, it states that you just charge your Edu bill and then call them up to convert it to 0% 6 or 12 months Installment Plans. Also, you only can pariticipate in this program one time per year.

I guess it will depend on the MCC Code.

If your tuition fee is a lot (like RM5K and above), you can consider getting another credit card.

For less than RM5K, no need waste time, charge it to your Preferred Plat and opt for UOB Installment Plan with 2% interest. Example Fee =RM5000 x 2% = RM100. If you get a new card, there will be RM50 GST, therefore effectively with the UOB it's like RM50 extra only, if you catch what I mean.

If you are considering another card:

Option 1 - AmBank Credit Card Promotion 0% 6 Months FlexiPay until 30 September 2012. Check again in October to see if promotion extended.

Option 2 - 0% 6 Months RHB Balance Transfer until end of year. Click here to to my Balance Transfer article if you are new to BT. If you are familiar with BT, go to BT Thread to see 0% BT currently on offer. Charge it to you UOB Plat, then call UOB for 0% plan, if cannot convert then go transfer to RHB 0% BT 6 months.

Or check this out Maybank Participating 0% Ezy Pay Merchant List. Choose Education to see list of schools eligible for Maybank credit cards 0% Ezy Pay.

This post has been edited by Gen-X: Aug 10 2012, 11:37 AM

A reader at my blog by the name of Silo was kind enough to share with me that it takes a week to have RHB BT approved. Click here to My Credit Cards blog to read his comments posted in my 2011 BT article.

there are fake Platinum credit cards? hahahaha

Did you read the first post? You really want a UOB One Card Plat or even a Preferred Plat? You need to swipe RM36K/year or RM60K/year for auto annual fee waiver once in the future (first year free, second year - you better check when signing up how long the free annual fee waiver).

Which card to choose depends on what you expect to gain from the cards. UOB One Card is great fpr Petrol. UOB Preferred Plat is good for ............. if you play golf maybe can consider.

This post has been edited by Gen-X: Aug 14 2012, 05:08 PM

Bro, that one old T&C. Click here to read my article UOB Credit Cards - Why You Want Me To Beg You? In the article, I have links to the latest T&C for annual fee waiver. RM36K for One Card Plat, for Preferred Plat is RM60K/year spending

This post has been edited by Gen-X: Aug 14 2012, 05:37 PM

Maybe they change the T&C again after they realized I kept taruking them on the ridiculous annual fee waiver conditions in my blogs, hahaha. Do a search on UOB Credit Card Annual Fee with google and my article taruking them is on 1st page But I doubt they even bother to read my article, hahaha. If the CS told you need to swipe 60 times sure you complain so better she say call them. What we want is auto annual fee waiver with 12 time swipes, don't they get it.

This post has been edited by Gen-X: Aug 14 2012, 06:23 PM

so now it's back to RM3K spending for auto annual fee for UOB Platinum cards?? Anyway Bro, UOB Preferred Plat really nothing great UNLESS you play golf and it does offer 5X UniRinggit for SG Transactions. Also the UniRinggit got expiry date.

When you sign on the application form, did you not see the condition for annual fee waiver? It Should be stated there.

To All: if you are signing up for a new UOB credit card, please report here what are the conditions stated in the application form for annul fee waiver. Thank you.

Then you got a case to argue later on because you agreed only to the RM3K and not RM36K.

If one can swipe 10K in a single swipe overseas, most probably he will have another credit card that earns him more than UOB One Card's miserable 0.3% cash back.

Bro, you are right at looking at HSBC Visa Signature as you can earn 10X points for overseas for hotel and dining bills versus UOB One Card 0.3% cash back. However the HSBC VS overseas promo until end of this year is capped at RM2K/month.

The other thing good about HSBC VS, like MilesAndMore mentioned, you do get discount with agoda.com

Go use the card and see if the transaction goes through or rejected. If rejected than only got problem and go call CS.