UOB has this good flexi payment plan with charges 2%-4% out of total purchase, with minimum of RM500 purchase in a single receipt.

can't believe citibank don't have such a thing.

Just made a call to the card centre and was asked to call back after 2 working days to see if my request to waive annual fee is approved..

This post has been edited by bluebay: Mar 3 2014, 04:13 PM

Oh shit....I forget mine reached 3rd yr....
Gov tax rm50 and annual fees been charged into my cc feb statement....geez...
I thought my usage should meet 60 transaction/yr....

just call to waive it then...

not really. i tried to put english name + surname only but they dun allow it. and tell me that they will put it as english name + surname + first letter of my given name. something like Kevin Lim C. K.

I called to request my AF waiver, CS immediately say OK to waive for me.

hi all

some of you might remember my previous post where i want to cancel the UOB VOX card. i had called the bank to cancel it almost 4 weeks ago. till now no one contact me back and each time i call to UOB CC center, i got different response on the card status (pending for cancellation, already cancelled)

this simple issues has been dragging for too long. any idea what is my next step? im planning to complain to BNM if UOB still did not get back to me by this week

Why want 2% - 4% when you can get 0%?? Any catch?? mind explaining?

Really?? I got my full name on my card, including the English name (it's in my IC too of course)

for the 0% for payment instalation, only some merchants who tie up with the bank will offer this. in this case, you can buy from any merchant e.g. airasia tickets and if you want to pay in instalments, you just need to pay the upfront %.

i like the uob vox card because they offer 1% for 6 months, lowest in market.

Go ahead with your plan. Remember to request for confirmation letter.

Then I better transact with those who tie up with the bank. 1% is also alot.

the problem is some merchant sometimes sell more expensive if you want to do 0% installment plan.

i went to many places before, they want to sell me more expensive if i'm paying installment.

i asked uob CS before, they said that it's up to the merchant whether they want to give you 0% installment or not.

yes, certain merchant have different pricing for cash, cc payment, and cc 0% installment.
so usually they will ask how do you want to pay and then only give you the best price.
cash can go lowest, followed by cc 3 % higher than cash price, and cc 0% installment 5% higher than cash price.

yeah, so technically it's no longer 0% interest free installment.

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.

This post has been edited by victorywp: Mar 4 2014, 05:01 PM

UOB one card, how to check the balance for smart merchant $? Like rebates 5% on BHP petrol.

it's printed in the statement.

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.

unable to waive. Maybe different CS different handling style. The CS only offered discount half on AF. But GST still have to pay full. At the end, instruct to cancel. By then, all AF and GST will be deduct out due to i did not done any transaction with the card after the fee charged. mine is on 3rd year.