Credit Shield by Prudential UOB

I received a call so called from UOB HQ, promoting me the Credit Shield and said that no premium if I pay my credit card on time. Only is there is overdue, will charge me 0.65% of the outstanding balance. I checked on forum (source: https://forum.lowyat.net/index.php?showtopi...ost&p=57653635) mentioning that the 0.65% will be charged every month as long as your card got payment transaction.

How come the caller can be so misleading? Is this plan as good as he claimed? Which is true??? 

Kindly help and enlighten us. Thank you.

always like this de, same applied to NBA stream subscription, u will get 1 month free online streaming after u have entered ur credit card detail, but if you didt cancel in just before end of 1 month or earlier, u will automatically charged for the fee

regarding the refund issue, i also tiok once, i bought phone from taobao but the seller had no stock for near 1 month, so i requested for refund, and the refund amount became smaller because of RM kept depreciated

normally when we will receive cashback from uob card? end of month?

Amazon charged me Amazon Prime Membership without my knowledge as it was supposed to give me free 1 month trial and I didn't input in my credit card details so I thought it won't be charged after 1 month. However, who knows they charged straight to the card I used for my purchase.

Anyway, long story short I requested for cancellation once I saw it on my unbilled transaction on 19th June which they have processed it rightaway.

Now due to our MYR strengthens (which to my dismay in this case) and I'm losing RM 21 due to currency exchange. Anything that I can go about it? Or just live with it? Will I get cash back for this RM 21?

Well, I don't recall inputting in my credit card details for this subscription. They used the credit card I used for my purchases.

I have the same experience with Amazon UK with this Prime Membership account. You can click 'End membership' and get refund.
"Paid members who haven't used their benefits are eligible for a full refund. You can't receive a refund if any of the household members have placed an Amazon Prime eligible order."

Well, I don't recall inputting in my credit card details for this subscription. They used the credit card I used for my purchases.

Mine is appreciated. How I wish it depreciates so I get more.
VOX? Usually will be posted around 20s to end of the month (no fixed date). This month was 18th, getting earlier.
According to TnC is by 30th of the following month.

victorywp pls add the following onto the list of eligible 5% cashback for VOX:
Toys R Us online store purchase - www.toysrus.com.my

My 5% Rebate for May spends credited on 18 June 2016.
Where's the 0.3% Rebate ?

so mean cashback for june transaction will show on mid of july or end of july?

nope, he/she avoid some important message regarding the pay credit card on time. This only valid if you pay your payment before your statement is out, because the premium will charged on outstanding balance once your statement been generated. even if you repay the amount within 20 days grace period, you still have to pay.

Amazon charged me Amazon Prime Membership without my knowledge as it was supposed to give me free 1 month trial and I didn't input in my credit card details so I thought it won't be charged after 1 month. However, who knows they charged straight to the card I used for my purchase.

Anyway, long story short I requested for cancellation once I saw it on my unbilled transaction on 19th June which they have processed it rightaway.

Now due to our MYR strengthens (which to my dismay in this case) and I'm losing RM 21 due to currency exchange. Anything that I can go about it? Or just live with it? Will I get cash back for this RM 21?

thanks for your information... luckily i didn't subscribe this plan.. 

how come they hide this important message.. no wonder he mentioned it as statement balance.. he try to confuse me if I  pay before due date has no premium..

Would you complain if the USD weaken and you gain RM21 ??? That's life's UP n DOWN

wao, i should follow ur way to get the AF waiver, since UOB one considered no use for me anyway after its petrol rebate been revised. and they yet kept reject my Af waiver, hmm

That's why don't bother about all this credit shield. I reject them right away when they call.

i just get my one card.. what petrol rebate has been revised? 

the agent who called is too tricky.. at first i thought it was just a call from UOB asking whether I am the legit owner.. then he direct to tell me benefit I entitled.. i was so shocked.. and ask if this is a plan or what.. then only i realized he tried to convince me to subscribe..

It was revised last year, not today or recently.
So whatever you seen on website is applicable to you.
Not only UOB actually, all the banks will have this kind of credit shield companies attached to them. So reject them next time.

UOB Credit Card Application @ ringgitplus no promo 1.. no freegift no voucher...

hardly find any booth too....

Anyone experiencing issues with Posonline? It's been giving me Internal Server Error every time I try to proceed with to pay with CC.