counted from the statement date. if you notice, due date is 20 days after the statement date

so the maximum interest free period can actually be up to 50 days?

Let's say your statement date is on the 8th of every month, and you make a RM100 purchase on 9 April. This purchase will appear in the May statement dated 8 May and the due date is 27 May. So you count how many days from 9 April to 27 May. As long as you settle the RM100 before the due date, there is no penalty charge.

This post has been edited by Human Nature: May 21 2012, 09:36 PM

48 days lor. Wah, din realise the interest free period is so damn long! Looks like I need to plan the payment nicely to save some interest. Have been paying off randomly. The savings will not be much but just for the heck of it.

Yeah, you may take advantage of this but make sure settle everything before the due date. The penalty charge hurts.

there is no interest free period if you are already carrying a balance. Interest free only if you settle statement balance every month

yes, i know, thanks

today i received a sms from uob card saying,
"UOB Cards invite you & a guest to The Glenlivet Tasting & Dining Experience @ Prego, The Westin KL, 25May 6.30pm".

Is there any other UOB cardholder received this sms or selected only? Any idea what is it about?

My credit and debit card has been stolen and been used up ...
have submitted dispute along with my police report to the bank

just wonder if i stand a chance to get refund for transaction not made by me?

For those with experience using CC in Australia before, do you need to key in any pin number?

Always mention to select Credit to pay for your product... cos their EDC can select Debit or Credit

Can CIMB TNG Visa Platinum be issued a separate Zing Card?

I posted in new topic but it disappeared (guess it was deleted)

Thanks for the tip, will note that. Are we required to key in any pin number or digits, or just normal insert/swipe the card will do?

which bank?

if u mention credit, they will just swipe and you will need to sign
for self service terminals, just select credit

This post has been edited by alexwsk: May 24 2012, 09:11 AM

I recall no PIN.

First trouble when land at Melbourne near midnight. Everything closed like ghost town. Need to purchase bus-shuttle ticket to Southern Cross Station, friend staying nearby walking distance only.
Only can buy bus ticket using CC Slot in Visa, ask for PIN.
I forgot how, but a friendly chap come over to help us, and skip entering the PIN.
It works.

thanks, both of you

its under hong leong bank ...

by right for dispute cases bank should refund right?

Nope, not that straight forward. I don't know what is your understanding about dispute cases.
1. Someone use your card/fraudulent transaction without your consent and you notice it.
2. You report it to the bank to block your card
3. In some cases, you can report to the police.
4. Your post a dispute transaction to the bank

Next would be

A. Bank will investigate and this can take up to 90-120 days. Sometimes can even take longer.
B. Meanwhile bank will ask you pay first and they will refund later. Not unusual and it is recommended to avoid interest charges.
C. Completion of investigation, the bank will refund (if you have paid) / perform a reversal.

You need to understand

- Police report is not a ticket for the bank to "waive" or clear the disputed transaction.
- Removal of transaction is not immediate and you need to wait till they complete it.
- CS is not the one doing the investigation, so calling and pressuring them would not help.
- If you are truly innocent then no issues. If there's a probable argument of negligence on your part, you are still liable for the dues.
- Some banks are "trickier" than others when it comes to "recovery" methods. Good luck on this.

I'd suggest just to sit back ... judging from your reaction - this is your first cc dispute case with the bank right ?

This post has been edited by hye: May 24 2012, 11:42 PM

Anyone knows that AMBANK having a new VS card? Guess not much benefits and nobody bother about it http://www.ambankgroup.com/en/Personal/Car...aSignature.aspx