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Credit Cards UOB Credit Cards v4
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Tigerr
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 Aug 5 2015, 10:50 AM
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QUOTE(Ramjade @ Aug 5 2015, 10:15 AM) Ok. Noted. I won't go posting that. Well you asked me what will happen if I have a credit card. Well I will tell you. Maximise CB from banks. Eg, don't spend more than the CB limit. If exceed, change to another card. If don't exceed, just continue to use it. AKA banks will make a loss if I am their customer. They will not get a single sen from me. I will pay everything on time. But sad that it is considered a verbal warning.  As long as u use the bank's card. The bank earn their income thru the merchant fees charge to the seller. Seller in return mark all this cost into their selling price. |
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Ramjade
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Aug 5 2015, 11:03 AM
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QUOTE(Tigerr @ Aug 5 2015, 10:50 AM) As long as u use the bank's card. The bank earn their income thru the merchant fees charge to the seller. Seller in return mark all this cost into their selling price. For example you swipe at tesco RM100, the bill be reflected as RM100 right? There's no extra charges right? |
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sms2u
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Aug 5 2015, 11:09 AM
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QUOTE(Ramjade @ Aug 5 2015, 11:03 AM) For example you swipe at tesco RM100, the bill be reflected as RM100 right? There's no extra charges right? Yes, but tesco will only get back may be 97 or up to 99.XX from bank / visa / mastercard / american express. Bank will earn up to RM3 or RM5 from that tx. |
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Ramjade
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Aug 5 2015, 11:25 AM
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QUOTE(sms2u @ Aug 5 2015, 11:09 AM) Yes, but tesco will only get back may be 97 or up to 99.XX from bank / visa / mastercard / american express. Bank will earn up to RM3 or RM5 from that tx. What I meant is say my total trolley cost RM100, I swipe it, the bill won't be reflected as say RM105 but will still be RM100 right? |
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sms2u
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Aug 5 2015, 11:26 AM
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QUOTE(Ramjade @ Aug 5 2015, 11:25 AM) What I meant is say my total trolley cost RM100, I swipe it, the bill won't be reflected as say RM105 but will still be RM100 right? I aready answered yes, did u see it? |
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cybpsych
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Aug 5 2015, 11:30 AM
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QUOTE(Ramjade @ Aug 5 2015, 11:25 AM) What I meant is say my total trolley cost RM100, I swipe it, the bill won't be reflected as say RM105 but will still be RM100 right? you pay/charged for the displayed selling price and GST. nothing else. the merchant fee is between merchant <-> banks. transparent to customers. |
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Ramjade
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Aug 5 2015, 11:32 AM
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QUOTE(sms2u @ Aug 5 2015, 11:26 AM) I aready answered yes, did u see it? Caused you mentioned about tesco won't receive the full RM100 and banks earn RM3-5. SO I thought Tesco will charge us RM3-5 extra so that they will get the full RM100. If that is the case (tesco gets like rm9x.xx), I willing to give the bank free money. What I meant is I am not willing to give the bank extra money because of paying late, using the card > than CB limit and paying AF. |
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bananalow
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Aug 5 2015, 12:38 PM
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Today I call up the cs to check my application status and they told me didn't found in their system. I apply through agent and I try to call the agent but still can't reach him.. Wtf...
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fruitie
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Aug 5 2015, 01:28 PM
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Rise and Shine
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I applied mine on 24th July. I guess it is time to give them a call now.
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sms2u
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Aug 5 2015, 01:46 PM
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QUOTE(bananalow @ Aug 5 2015, 12:38 PM) Today I call up the cs to check my application status and they told me didn't found in their system. I apply through agent and I try to call the agent but still can't reach him.. Wtf... U need to give some time to wait as agent normally will submit the application weekly. Pls keep the environment clean. No WXX |
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fruitie
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Aug 5 2015, 01:47 PM
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Rise and Shine
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Just called and why am I not surprised that my VOX application is rejected?  Rejected on 3rd August.  Time to check with the agent.  This post has been edited by fruitie: Aug 5 2015, 01:47 PM |
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tifosi
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Aug 5 2015, 01:55 PM
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QUOTE(fruitie @ Aug 4 2015, 09:08 PM) Good for you.  Any particular reason for SCB Plat?  Can cancel it too.  No, but feeling sayang to cancel cause it has a very nice CC no. Don't judge |
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tifosi
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Aug 5 2015, 01:57 PM
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QUOTE(fruitie @ Aug 5 2015, 01:47 PM) Just called and why am I not surprised that my VOX application is rejected? Rejected on 3rd August. Time to check with the agent. Update us so I can kacau my agent if all goes well. |
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fruitie
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Aug 5 2015, 02:05 PM
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Rise and Shine
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QUOTE(tifosi @ Aug 5 2015, 01:55 PM) No, but feeling sayang to cancel cause it has a very nice CC no. Don't judge OK, I will not judge.  QUOTE(tifosi @ Aug 5 2015, 01:57 PM) Update us so I can kacau my agent if all goes well. Sigh. I doubt she can do anything, when she called me earlier, she sounded like a Yes Lady. Whatever UOB says, she will follow. That's my feeling la, I somehow can guess the people's attitude by listening over the phone. I guess my job helps. |
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kelvinlzy
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Aug 5 2015, 02:06 PM
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Just called UOB and found my Vox card application has been approved. Well mostly because it is sharing limit with my existing One card.  |
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fruitie
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Aug 5 2015, 02:08 PM
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Rise and Shine
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QUOTE(kelvinlzy @ Aug 5 2015, 02:06 PM) Just called UOB and found my Vox card application has been approved. Well mostly because it is sharing limit with my existing One card. Good for you and I regretted for cancelling my UOB One Plat last year. This post has been edited by fruitie: Aug 5 2015, 02:09 PM |
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bananalow
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Aug 5 2015, 02:17 PM
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QUOTE(sms2u @ Aug 5 2015, 01:46 PM) U need to give some time to wait as agent normally will submit the application weekly. Pls keep the environment clean. No WXX Sry, a bit piss off.. Btw I submitted on July 22, I believe ald more than a week even they submit by weekly, will try to contact my agent... =) |
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fruitie
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Aug 5 2015, 02:19 PM
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Rise and Shine
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My agent just called me again. She said in her system still shows "in process". Then I told her I have called UOB CS and she said it's unsuccessful since 3rd August. I asked her to reconfirm for me again on the actual status. My agent said will check with her manager. This post has been edited by fruitie: Aug 5 2015, 02:20 PM |
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chiahau
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Aug 5 2015, 02:20 PM
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QUOTE(bananalow @ Aug 5 2015, 02:17 PM) Sry, a bit piss off.. Btw I submitted on July 22, I believe ald more than a week even they submit by weekly, will try to contact my agent... =) UOB is currently suffering from Raya's back dated work. News are up to 3 weeks wait + a lot of M2C users are defecting into this card =.= |
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bananalow
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Aug 5 2015, 02:21 PM
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QUOTE(chiahau @ Aug 5 2015, 02:20 PM) UOB is currently suffering from Raya's back dated work. News are up to 3 weeks wait + a lot of M2C users are defecting into this card =.= I can sense that, even the RinggitPlus call me after 3 weeks, but say will call me back till today no news... Haha... Seem like I am no luck with uob... =) |
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