Hi all, I'm currently interested in applying UOB One for my first credit card to earn some cash rebate for my petrol usage (around RM 300 monthly). Since this will be my first card, there are few questions I would like to ask:

1) From where should I apply this card?
i) UOB website
ii) Ringgitplus
iii) Agents at booths in some shopping malls etc
Is there any difference applying from Ringgitplus compared to UOB website? What are the benefits if I apply at the booths in shopping malls? Can I ask the agent to waive my AF straightaway?

2) When will they charge AF? And How to request it to be waived?
If I apply in this few days and I think I will get it by end of January next year. When will I be charged AF? End of 12 months from the date of my card registration?

I understand that there is a chance my AF will not be waived. But how do I try to ask them to help me waive it? Is it when AF is reflected in my statement, then I should call CS to ask them to waive it? Or should I do that before it is reflected in the statement?

3) When is the statement date? Can I change it?
I heard some cards has specific statement date like CIMB (28th). Does UOB has one?

Is it possible to change it? If yes, what is the best day you guys would suggest? Payday or end of every month (30th/31st)?

Sorry for all these newbie questions, hope you guys can help a newbie out

1. apply from uob website, if other agents, they might use ur info for their marketing..
2. have to meet the requirement for waiver, or can appeal.. but no guarantee you will get.. depend on banks..

Amdui...last month spend 79x and no aware spend 800 only entitle 6% or max cb RM50...only get RM20 cb...

If you're in big cities then you might look for booths as they might have some freebies. Else you UOB website, they are quick and resourceful to respond to your application. 3rd party like Ringgitplus might confuse and ask you take other cards too.

how about Umobile prepaid via Umobile app ?

anyone tried?

I don't see why it is not, it should work the same way.

Personally never seen that from RP. 4 times through RP all went well.

Probably depends on the caller. Two times for other bank application cards, RP telling me that card is better... take that...

me too cancel my vox end of last month and was told somebody will call me within 1 week. however i did not received the call either i missed or they not call me. then after 3 days i saw they charge the monthly fee in Nov statement.

in Dec statement they auto waived the previous monthly fee but i still see my vox in my online banking.

Better call to cancel, else you will see charges again in January statement.

UOB server down? Unable get the OTP..

finally saw payment method for U mobile which qualify for cb

ringgit plus, i think they leaked my hp num or detail, cos they spam me with more then 10 hp num after i try to apply maybank cc

This post has been edited by aeonsakura: Dec 29 2016, 10:16 PM

update

there is 1 area , Q & A and suggestions.
feel free to @ me if you want me to add in any detail..

https://forum.lowyat.net/index.php?showtopi...post&p=82052925



This post has been edited by aeonsakura: Dec 29 2016, 10:23 PM

aeonsakura, I believe you missed all these despite saitong09 has consolidated and tagged you.
Thanks.

Does anyone know what does the -auto portion- option means when making credit card payment at UOB atm machine ?

i alway get ask at the machine . was wondering . thanks for info .

I hate this too!
You can call CS to disable it.
The feature is in effect if you have more than one cards with UOB.

I just saw this clause in my statement, it mean still under cancelation process?




And I have 31k Uniringgit, anything worth to exchange?

This post has been edited by caesarx: Dec 30 2016, 09:27 AM

auto portion or auto apportionment or allocation ....meaning all your cards are linked under one ID, hence one payment will auto-apportion to all cards.

not sure what is the rules to perform auto-apportionment, e.g. oldest unpaid bill first? oldest unpaid card first? etc. there must be some rules controlling this.


imagine u have 2 uob cards (e.g. YOLO and One), then have few multiple outstanding bills for each card. if you make partial payment, how does the payment being allocated to which card since the partial payment cannot clear all outstanding bills

or imagine you overpaid all your outstanding bills. which card holds the excess payment?


this feature is good if you always make full complete payment for all your cards, in one shot.


just a note stating you've cancelled your card. i also gotten this in yolo statement (vox cancelled). i explicitly told CS not to call me back for retention, and they didnt call.

This post has been edited by cybpsych: Dec 30 2016, 09:31 AM

Same here.
The stupid auto portion caused 1 of card under paid 1 overpaid...

Then under paid card kena finance charges!
KNS...

I also not aware of it till the payment I made to my UOB CC is being allotted to UOB BT.