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Credit Cards UOB Credit Cards, Revamp One Card - It's A Pure Cash Back

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sj0217
post Jan 10 2013, 03:16 PM

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QUOTE(keeycheng @ Jan 9 2013, 05:57 PM)
haha...i also bought note 2... tongue.gif

might call them when got time...
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can make 0% installment anytime with bank AFTER you have bought the phone?

This action is not suppose to make 0% installment BEFORE you buy it in that particuar shop?? or spend anything also can call for installment ?(mean 1k & above)

This offer only valid for UOB credit card holder?? As I know, if you make installment after bought the phone, there will be extra charge, right??
sj0217
post Jan 10 2013, 04:49 PM

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QUOTE(nothingz @ Jan 10 2013, 04:21 PM)
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
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There is no extra charge for installment made? if involved to 12 months installment, I also can use this card for other purchases until the credit limit is reach, right?

This is only offer for UOB credit card for 0% installment after purchased or other cc also can do that? Because i have made installment before, they are able covert to EPP when purchasing, but not AFTER convert to EPP.
sj0217
post Jan 10 2013, 09:39 PM

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QUOTE(nothingz @ Jan 10 2013, 05:12 PM)
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
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ya I have exp this before as I don't have any credit card yet in two years back and wanna to buy a phone for installment, so I have to borrow cc from friend and try call to bank for make installment but end up I only pay by cash instead, due to extra charge will be in place.

But nowadays quite number of banks offer for 0% installment for many of shop, so we can make it possible try not get extra charge from banks, unless suddenly need to make installment AFTER purchased.

Thanks for your sharing!! thumbup.gif
sj0217
post Jan 10 2013, 09:41 PM

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QUOTE(xixo_12 @ Jan 10 2013, 09:25 PM)
I made epp previously for amount 3k+ .. paid within 6mths..

Upfront  charge 2% and the rest follow normal schedule.. thats only.. no 0% unless they really offer to u
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within 6 months to be pay off?? why not plan for 12 months to be pay off since the extra charge will be in place. May I ask upfront charge will be higher if make for 12 months installment??
sj0217
post Jan 10 2013, 10:11 PM

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QUOTE(nothingz @ Jan 10 2013, 09:59 PM)
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
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Seriously???? shocking.gif shocking.gif

but will check the price current market value now before go to get a phone, the phone of price also same with market between the retail shops?

So you mean better don't make for installment IF you are in under financial?

Is this price difference for all items which can be make for installment or only certain items??
sj0217
post Jan 11 2013, 07:45 AM

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QUOTE(nothingz @ Jan 10 2013, 10:42 PM)
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
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for sure will make the comparison first before go for it.

But sometimes 0% installment not bad for making too, as we can save moeny to bank for monthly installment or for somewhere else for necessary purpose, assume you are buying few thousand of item such as furniture, you could be enjoying its services, just like get service first but pay after.

Different people different thinking, at least under financial control, right??? biggrin.gif


sj0217
post Feb 3 2013, 09:43 PM

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QUOTE(red_scorpion @ Feb 3 2013, 03:20 PM)
Seems like UOB one card not bad...thinking to apply this as my 3rd card after cut my Citibank Cash Back Plat.  Should I?
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Yes, u should get a card for your third credit card spending since you are holding MBB2 card and OCBC Tit, and your citi Plat is gonna to terminate, why not? thumbup.gif
sj0217
post Apr 3 2013, 04:38 PM

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QUOTE(kenv09 @ Apr 3 2013, 03:13 PM)
I applied for UOB one card but they called and asked me to use Platinum. So I wonder which is good. Cause not much rebate frm platinum
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Huh? rclxms.gif thumbup.gif

So good the bank straight away offer you the Platinum card oh, seldom heard this news before, but the annual fee for Platinum will be highter than one card oh.
sj0217
post Apr 10 2013, 12:38 PM

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QUOTE(MorpheusZZ @ Apr 10 2013, 10:12 AM)
Why bother to carry 6 cards

6 cards x RM50 GST = RM300 paid to govt pocket every year.

Carry what you need la.

One for every day usage - cash rebate card
Another for airport lounge (In case you love to travel and want to enjoy the lounge) or some special offer (Citi Blue for their Coffee Bean 1 to 1 offer)
Another for dining offers (We are Malaysians, we live to eat).  drool.gif

Personally, i only carry 2 cards. UOB One card is one of them coz i can get cash rebate anytime i spend the card. Consolidate all my spend in 1 card and make sure i will make payment to avoid late charges and finance charges. Another is Citi Blue coz i am a hardcore CB lover (See you there)

Too many card only confuses our life.
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I would say this is depend on your needed only.

Somebody need it, but somebody no necessary to hold many cards.

Yes, although there have GST u need to pay but some of the cards get you rebate or reward point, so that u can redeem from there, as long as the card is benefit u all the way no matter how many cards u hold smile.gif
sj0217
post Apr 13 2013, 01:32 AM

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QUOTE(chenhui87 @ Apr 11 2013, 11:33 PM)
Me too, received on this monday.
I do not interested in~
Holding too many CC dy. tongue.gif
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How come they will call u both?? Used UOB CC before??

Did they mentioned to u about promotion for their one card currently??
sj0217
post May 3 2013, 09:36 AM

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QUOTE(miraclejustin @ May 3 2013, 09:24 AM)
New application's annual fee is waived for 2 years??

And can I register for UOB online banking if I only have credit card account?
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Not sure about waiver for 2 years,

but I just know will be offset the GST & annual fee if you use 12 times and above within a year.

Think so, so far I have registered for internal banking for two types of credit cards.
sj0217
post May 16 2013, 10:22 PM

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QUOTE(kuai_chai @ May 16 2013, 09:37 PM)
i just called UOB call centre regarding the GST tax.
i asked when is my next GST will be charged, he replied end of next month.
so i asked if i can waive the GST, he replied no way to waive it.
so i asked how can i cancel the card, and he replied i can cancel it by just calling to the call centre anytime.
he didn't try to retain me.. haha..
anyway i will cancel it before the end of next month smile.gif
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You seldom use this card to make transaction?

Between, I have called to CS this evening time to ask for my application status. My application is approved for the one card, and the CL quite high exceed for x2 income and get susprice when CS told me... rclxms.gif


sj0217
post May 16 2013, 11:00 PM

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QUOTE(fly126 @ May 16 2013, 10:40 PM)
Congratz.. Got One more Card to Use... rclxms.gif
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Thanks...ya, one more card to use

Seem like this Pla one card look nice because I have saw ppl use to pay at counter.. smile.gif
sj0217
post May 18 2013, 12:19 AM

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QUOTE(fly126 @ May 18 2013, 12:06 AM)
Aiyoh... I want Free Wallet (need Bigger one to store my extra CC), beside they give a UOB Tumbler when I apply in April... laugh.gif
Anyway, You Apply now U can Enjoy 2 Years Annual Fee Waiver + $50 GST Cash Back... brows.gif
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QUOTE(fruitie @ May 18 2013, 12:09 AM)
Really? I didn't know that. sweat.gif
I think they won't be around next week. laugh.gif
Epic case, malu bertanya sesat jalan. doh.gif
I just missed a good opportunity.
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Ya, why not u can just apply and get the free wallet.

That is what the reason I applies to it for in case since no need to be pay for 2 years annual fee and cash back RM50

But when I applies that time, they will free bag and send you automatically if the application is approved, cannt remember what type of bag, but now is wallet oh thumbup.gif
sj0217
post May 18 2013, 12:43 AM

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QUOTE(fly126 @ May 18 2013, 12:28 AM)
It's Depends on Bank
the PIN for You Withdraw $$$ at ATM in Case that, need Cash Advance...
Like my card have been Approved on 16 April They give me statement On 13th of ever Month... nod.gif
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Is the UOB one card can be re-set for different statement date by calling or walkin branch?

Based on my understanding, MBb2 cards can be set right, there have few of range to be choice?? hmm.gif
sj0217
post May 18 2013, 01:04 AM

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[quote=fly126,May 18 2013, 12:59 AM]
I have call the CS before regarding on Changing Statement Date, they Need a Reason of it & I just said I got Confusse with My other CC Dateline... sweat.gif
As for Maybank, will Change it after I receiving my 1st Statement ... nod.gif
Yes, this That One... nod.gif
How Apply to Internet Banking: http://www1.uob.com.my/personal/ebanking/p...pplication.html

So, in the end, it can be change??

May I know what is the date of range can be choose??




sj0217
post May 21 2013, 10:26 PM

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Called CS and get to know from CS said that the PIN number only can be received on below three different way:

- go to nearest branch and request for PIN, they will aissist to get temporary password.
- go the their website and download the form and fill up, then post to the address that mention on the form there, but will take time to process

But I cannot remember on the third way to request for PIN.

I tot it can be get the PIN via phone... sad.gif
sj0217
post May 21 2013, 11:07 PM

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QUOTE(fly126 @ May 21 2013, 11:01 PM)
This Paling Senang Way, Call CS Request PIN Generation from them, later the Bank will the PIN by Post in 5-7 Working Days... nod.gif
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But CS said they cannot process for this pin number oh, that y he told me the above way to get the pin number

How u know it actually?
sj0217
post May 21 2013, 11:25 PM

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QUOTE(fly126 @ May 21 2013, 11:10 PM)
When Call the CS to Actived My Card, I request PIN for ATM... nod.gif
they said will to me by Post in 5 Working Days
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Oh ya, I remember that the third way is to request pin from ATM, but I only have the cc account, but no saving account

Just find one day go to branch and request it. Thanks ya
sj0217
post May 24 2013, 03:17 PM

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A transaction has done at GSC few days ago, the smart cash can be view on the receipt straight away and there has showed the amount how much you have earn.

Bought 25 tickets to earn the smart cash, yeah!! rclxms.gif

But, can I say this smart cash is actually seem like reward point?
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