i used the normal UOB One, the CS called me after i cancelled it. She said UOB will give rebate on the GST after it is being charged. so far i have not received the latest statement, still cannot confirmed yet

i used to get 5% rebate for GSC transaction prior to July, now i never used UOB One at GSC anymore due to CIMB Visa Platinum is offering free ticket

in ipoh, queue up is not an issue since there is not much people going there. i have not seen the cinema full in the past few years

yes, i received that call few months back, forgot how much is it. i remembered that the plan allows you to double claim using photostat copy, original copy is not necessary. i think it includes travel insurance as well

This post has been edited by nothingz: Sep 23 2011, 08:59 AM

means you fill in 1 in that column, you only hold credit card from 1 issuer in Malaysia which is UOB

i also received it last week

i did it last time, there have minimum charge in order to earn the smart cash

using UOB cc online is very easy and straight forward

ipoh not much choices, sometimes still go lor

can earn smart cash from certain merchants

they will then offer to waive it for you. just like my case, UOB KL called up to offer waiver of GST, 5 years waiver on annual fee then send me a new card. hahahaha

next time pay at payonline.com.my, i see my maxis 2% rebate reflected on the statement

through payonline.com.my definitely will get it

It is such a shame to the Accounting industry that people like you cannot even understand what constitute rules and marketing gimmick.

RM50 is a must pay to gov under the act, we knew it. that's why you will see RM50 GST being charged to your cc account.

Cash rebate offered to customers to offset GST or as welcome/loyalty bonus are marketing gimmicks to attract/retain customers.

GST and cash rebates are 2 separate issues even though some agents linked them together to promote sales but banks don't explain it that way. If you are still not satisfied on how banks handle the GST matter, you can always report them to BNM since BNM existed for a reason.

just call and tell them that you want to cancel it. sometimes the customer service will ask why, some may not. if you are a loyal customer, their marketing staff will call you later to inquire why you cancel it. they may provide you the RM50 rebate to cover the gst so that you will continue to hold their cc

have you met the minimum spending requirement? such as spend 3 transactions within 45 days or minimum of RM80. if you don't see it in the 3rd statement, you can probably shoot them

This post has been edited by nothingz: Dec 5 2012, 10:11 PM

When you tell the bank that you want to cancel the card, they will waive the annual fee automatically, no need to worry bout annual fee at all

Call the bank to cancel it, they are very likely to call you back in few weeks time to give you RM50 rebate with min spend of RM80 in 45 days.

I tried and it worked, it worked for my friends too provided you have good payment record

don't believe those t & c, the moment you tell them you want to cancel your card, they will offer you this and that such as 3 transactions within 45 days to offset gst, 5 years annual fee waiver to make you stay with UOB. been there, done that. it works every year for me

i have been using their UOB One Card Classic for few years, never paid any annual fee. just tell them to waive it else cancel immediately, usually their marketing team will call you to discuss and offer you the waiver

As i know uob has zero percent epp but there is upfront admin charge

If you convert your purchase to epp after you bought it from merchant, lets say 12 months, you are bound to this card for 12 months, you cant cancel it unless you want to settle your epp earlier which is subject to RM50 admin charge.

In other words, you definitely need to fork out RM50 to pay gst which actually can be offset upon request. When you calculate the cost of converting into epp, please take this into consideration

Zero percent interest instalment plan are usually available at participating merchants, usually only on certain banks, if you dont have that bank's cc then no zero percent instalment plan for you. If merchant does not provide instalment plan, then you can call banks to inquire bout epp after making a purchase, however not all banks have such epp plan.

Uob has such epp plan but they will incur up front charges, maybe 2% depends on the length of the epp. I feel that it is not worth it unless you are really running out of cash.

Usually the full amount of the purchase transaction will be locked upon enrolment to instalment plan or epp and amount will be reduced when you settle your monthly outstanding