Unexpected call from UOB, retaining programme offered, waived everything.

Including RM50 GST?

yup

So I should wait until my card is being charged for GST and annual fee before calling them? I thought GST and annual fee are charged in different months?

RM0.00 UOB: Enjoy 30% off F&B at The Westin, Le Meridien, Sheraton, Aloft, Andaman & Four Points with UOB Credit Card! Till 28Feb15. Info & T&C at uob.com.my

but usually they will start with the 5% higher price which is for 0% installment.
if you don't bargain, then that's it = you may pay with 0% installment or cc payment or cash.

but if you bargain with them, they will lower down for you but mention that you cannot use 0% installment.
and if you still bargain with them, then they will go lowest to cash price and mention that you cannot use cc for payment.

so basically you won't know (and think that it's 0% installment) if you don't actually bargain or negotiate the price with them in the first place.

Hi, newbie here. Just receive my uob one card few week ago, so would like to ask all sifu here,
1. is it worth using uob one card overseas?
2. is there any charge from uob if i swipe my card in overseas?
3. how is the conversion rate charge? is the rate is the day the card is swipe or when uob approve the transaction?

thank in advance.

uob cc charges one of the highest conversion rate for overseas transaction.
not so recommended to use in overseas if you have other cc.

thanks for the reply.

if so is there any recommend cc that conversion rate is good if using overseas like in bangkok?

will be going bangkok on july so appreciated if can suggest any cc that is good using in oversea, the cc is in case for not enough cash/emergency......

thanks...

For smart merchant, it's printed on the receipt upon payment. Meaning they giv u receipt, will print out.

HOWEVER, for BHP, it's special case. The cs could not answer me yet. This is what I encountered.

1) If you pump and use your card at the pump terminal, IT WILL NOT show  on your printed receipt. This is because the BHP Petrol has not collected money from UOB yet. As such, we must keep our receipts all as proof of pump. I called the cs and they said we must wait 2 weeks at least till the merchant confirm with the bank. As such, rmb record your receipts.

2) As per BHP staff, if you want it to reflect IMMEDIATELY, go to the counter in the office and swipe your card there before you pump, tell them you want smartcash rebate. This way, it will reflect immediately.

Wtf, today I just pump RM 120+..and it's not recorded under my merchant $...damm! I din't go over counter and swipe.

After 18th of the month, the 5% cash back is finished.

subsequent usage will not entitle for the 5% cash back as the 45k/month petrol cash back is finished handout.

Wtf, today I just pump RM 120+..and it's not recorded under my merchant $...damm! I din't go over counter and swipe.

After 18th of the month, the 5% cash back is finished.

subsequent usage will not entitle for the 5% cash back as the 45k/month petrol cash back is finished handout.

after 900k is used to pay petrol then the next people will get 0% cash back

900k x 5% = 45k cash rebate

based on my statement i can backdate count when is the time that i pump petrol but no 5% cash back