Outline ·
[ Standard ] ·
Linear+
Credit Cards UOB Credit Cards v3
|
TSvictorywp
|
 Dec 3 2014, 09:53 AM
|
|
QUOTE(David83 @ Dec 3 2014, 09:03 AM) Called CS just now and confirmed that GST has been charged on November 18th, 2014. Asked for waiver but failed and therefore, proceed for card cancellation. Also noticed that I was an overpayment and SmartCash that I have no chance to redeem. how much is your overpayment + smart$? if more than rm50, then can just use the money first and pay the gst, then only proceed for cancellation. if can't cancel also doesn't matter since it's already extended for another year (indirectly) by doing this. |
|
|
|
|
|
TSvictorywp
|
Dec 3 2014, 09:55 AM
|
|
|
QUOTE(kelvinlzy @ Dec 3 2014, 09:13 AM) Received 5% rebate spent at Watson even I swiped at the 24th Oct, this makes the effective cash back of 7% spent at Watson. yeah, thanks to this promo...   |
|
|
|
|
|
SUSDavid83
|
Dec 3 2014, 09:55 AM
|
|
|
QUOTE(victorywp @ Dec 3 2014, 09:53 AM) how much is your overpayment + smart$? if more than rm50, then can just use the money first and pay the gst, then only proceed for cancellation. if can't cancel also doesn't matter since it's already extended for another year (indirectly) by doing this. Overpayment + Smart$ sure can cover GST. Already submitted for cancelled. Card suspended. Wait for arbitration department to call and confirm. |
|
|
|
|
|
TSvictorywp
|
Dec 3 2014, 10:40 AM
|
|
|
QUOTE RM0.00 UOB Cards: Enjoy RM500 voucher on next purchase at Hang Thai, Tropicana City Mall with spend RM5k&above. Valid till 31Jan15. Info & T&C at www.uob.com.my |
|
|
|
|
|
TSvictorywp
|
Dec 3 2014, 10:44 AM
|
|
|
QUOTE(David83 @ Dec 3 2014, 09:55 AM) Overpayment + Smart$ sure can cover GST. Already submitted for cancelled. Card suspended. Wait for arbitration department to call and confirm. but since you still have overpayment there, maybe they have to refund you the balance before terminating your cc. if they don't, perhaps high chances that they will offer to retain you as their customer. |
|
|
|
|
|
SUSDavid83
|
Dec 3 2014, 10:45 AM
|
|
|
QUOTE(victorywp @ Dec 3 2014, 10:44 AM) but since you still have overpayment there, maybe they have to refund you the balance before terminating your cc. if they don't, perhaps high chances that they will offer to retain you as their customer. The CS said that they may issue me a cheque. |
|
|
|
|
|
karcity
|
Dec 3 2014, 01:46 PM
|
|
|
Receive SMS from UOB saying that I won 4 Hi5 concert tickets at KLPAC, tickets on the way to my house... so the promo is true. But no news on the coffee maker contest. Anyone won coffee maker?
|
|
|
|
|
|
amxpayne67
|
Dec 3 2014, 04:31 PM
|
|
|
QUOTE(fly126 @ Dec 2 2014, 11:15 PM) GST will Credit Back on Your 3rd Statement as Usual...  If like that my 3rd statement will be next year already, and i want to cut my card before next year.... |
|
|
|
|
|
veron4best
|
Dec 3 2014, 09:02 PM
|
|
|
QUOTE(David83 @ Dec 3 2014, 09:03 AM) Called CS just now and confirmed that GST has been charged on November 18th, 2014. Asked for waiver but failed and therefore, proceed for card cancellation. Also noticed that I was an overpayment and SmartCash that I have no chance to redeem. Would like to ask, if GST charged ady...if I cancel the card, do I need to pay for the GST? |
|
|
|
|
|
SUSDavid83
|
Dec 3 2014, 09:03 PM
|
|
|
QUOTE(veron4best @ Dec 3 2014, 09:02 PM) Would like to ask, if GST charged ady...if I cancel the card, do I need to pay for the GST? No need I believe. |
|
|
|
|
|
TSvictorywp
|
Dec 3 2014, 09:33 PM
|
|
|
QUOTE(veron4best @ Dec 3 2014, 09:02 PM) Would like to ask, if GST charged ady...if I cancel the card, do I need to pay for the GST? no need if you do not have any transaction after the gst charged and provided you are not talking about 1st year gst. |
|
|
|
|
|
SUSDavid83
|
Dec 3 2014, 09:38 PM
|
|
|
QUOTE(victorywp @ Dec 3 2014, 09:33 PM) no need if you do not have any transaction after the gst charged and provided you are not talking about 1st year gst. Well Citibank is quite smart in handling GST and AF. Based on my expeirence, CBB doesn't charge both on the same month. They charge GST on the anniversary month and AF on the following month after the GST month. If you choose to pay the GST, then you have the urge to use the card till next year but once AF is charged on the following month and not waivable, you will run into emotion of cancelling the CC since AF is usually higher than GST. You have forgotten that you have already paid for the GST. Just my two cents. This post has been edited by David83: Dec 3 2014, 09:39 PM |
|
|
|
|
|
TSvictorywp
|
Dec 3 2014, 09:51 PM
|
|
|
QUOTE(David83 @ Dec 3 2014, 09:38 PM) Well Citibank is quite smart in handling GST and AF. Based on my expeirence, CBB doesn't charge both on the same month. They charge GST on the anniversary month and AF on the following month after the GST month. If you choose to pay the GST, then you have the urge to use the card till next year but once AF is charged on the following month and not waivable, you will run into emotion of cancelling the CC since AF is usually higher than GST. You have forgotten that you have already paid for the GST. Just my two cents. that's why for a cc with af, we should only choose to continue with the cc that you can afford to pay the af, or the cc that the benefits can cover back the af. |
|
|
|
|
|
SUSDavid83
|
Dec 3 2014, 09:52 PM
|
|
|
QUOTE(victorywp @ Dec 3 2014, 09:51 PM) that's why for a cc with af, we should only choose to continue with the cc that you can afford to pay the af, or the cc that the benefits can cover back the af. Nevermind won't fall for the similar trap again. Already cancel Citibank CBP once AF charged even though GST paid. That card is no longer in the CCRIS record. |
|
|
|
|
|
TSvictorywp
|
Dec 4 2014, 10:33 AM
|
|
|
QUOTE RM0.00 UOB Cards: TSL Jewellery has relocated to Level 1, Gardens Mall. 1st 20 who purchase jewellery item(s) at this outlet entitle to a mystery gift.T&C apply |
|
|
|
|
|
fkinmeng
|
Dec 4 2014, 11:30 AM
|
|
|
QUOTE(karcity @ Dec 3 2014, 01:46 PM) Receive SMS from UOB saying that I won 4 Hi5 concert tickets at KLPAC, tickets on the way to my house... so the promo is true. But no news on the coffee maker contest. Anyone won coffee maker? high spender detected. |
|
|
|
|
|
peri peri
|
Dec 4 2014, 12:04 PM
|
|
|
wasted few fuel transaction after 20th without any cash back....dayum furious. at least got some smart point to compensate
|
|
|
|
|
|
peri peri
|
Dec 4 2014, 12:05 PM
|
|
|
QUOTE(fkinmeng @ Dec 4 2014, 11:30 AM) i watched Hi5 when i was young |
|
|
|
|
|
SUSDavid83
|
Dec 4 2014, 01:55 PM
|
|
|
Received this SMS just now: QUOTE RM0.00 UOB Card:We received your cancellation request.To know your eligibility for RM50 Cash Rebate & Annual Fee waiver, type UOBPG and send to 33310.T&C APPLY. |
|
|
|
|
|
Zer0 c00L
|
Dec 4 2014, 02:30 PM
|
|
|
QUOTE(David83 @ Dec 4 2014, 01:55 PM) Received this SMS just now: Lol same here, i guess their batch just triggered. Called to cancel on Saturday, now only acknowledge, facepalm.jpg |
|
|
|
|
Quote
0.0293sec
0.84
6 queries
GZIP Disabled