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Credit Cards UOB Credit Cards v8, YOLO feature change! Min 8 swipes p/m

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fruitie
post Nov 10 2017, 11:42 AM

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QUOTE(Kitty Zhang @ Nov 10 2017, 11:32 AM)
got auto waiver for annual fee for my YOLO in the form of a special "rebate"

but GST on the annual fee is not waive rclxub.gif
*
Same like mine. I called to waive GST and they did it before posted in next statement.
fruitie
post Nov 10 2017, 02:06 PM

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QUOTE(Kitty Zhang @ Nov 10 2017, 11:45 AM)
u ni...really kira to the max! tongue.gif

every month got max RM50 rebate liao...that RM5.40 I think I'll let it be biggrin.gif
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Not calculative. It is not correct way to waive AF. It has to waive with GST, this applies to all banks la. doh.gif
If you don't call to correct this, lagi teruk, their account cannot tally. Please do your part.
fruitie
post Nov 10 2017, 02:12 PM

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QUOTE(Kitty Zhang @ Nov 10 2017, 02:08 PM)
They show the waiver as a "REBATE"

So technically they are charging me annual fee AND give me a special one-off rebate

So, the GST is still okay!

Service fee is GST standard-rated i.e. kena charge GST
Rebate and penalties are GST out-of-scope i.e. tak payah charge GST

Akauntan here ok tongue.gif  tongue.gif
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OK, as you like. So long I know whatever AF waiver should waive the GST as well.
fruitie
post Nov 12 2017, 09:58 PM

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QUOTE(vez @ Nov 12 2017, 07:31 PM)
i cant even access to uob.com.my lol, you are few more steps further haha
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Main page cannot access. This is the direct link to PIB: https://pib.uob.com.my/PIBLogin/Public/proc...=lpc&lang=en_MY

QUOTE(alexwsk @ Nov 12 2017, 09:01 PM)
no problem, i just login now
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No issue for PIB login.
fruitie
post Nov 15 2017, 09:39 PM

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QUOTE(hack87 @ Nov 15 2017, 07:32 PM)
Am I the only one here still keeping VOX card? How to change to Yolo?
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Call CS and said you want to convert your VOX into YOLO or add another YOLO.
fruitie
post Nov 18 2017, 12:05 AM

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QUOTE(klsooo @ Nov 16 2017, 07:51 PM)
Cashback for october is in
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I was away for team building, hectic schedule and didn't check LYN.
Thanks for the alert, got my usual RM 50. biggrin.gif
fruitie
post Nov 19 2017, 09:53 AM

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QUOTE(gastacopz @ Nov 19 2017, 09:50 AM)
im the other way around..

expecting 50, but only got 49.59  sweat.gif

coz own record show 922 spent for online hmm.gif
*
Then, there's something which is not entitled for cash back or miscalculation.
fruitie
post Nov 19 2017, 04:14 PM

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QUOTE(sam240 @ Nov 19 2017, 03:55 PM)
Hi Guys, for YOLO card, if I let Insurance auto-pay monthly and over RM500, I'm entitle to get 6% or 3% cash back for online & dining, right?
Just want to reconfirm.

Regarding this, UOB will charge us first until we called them to waive for it? Not auto waive for us  hmm.gif
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Yes.

It auto-waived for me without me calling them. Mine is YOLO.
fruitie
post Nov 19 2017, 04:19 PM

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QUOTE(sam240 @ Nov 19 2017, 04:16 PM)
That's more make sense, thanks.
But GST of AF still kena charge lah (as what I read on previous post)?
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I called to ask them to waive for me because it doesn't make sense to charge me GST. It was waived with no issue. I assumed it's their system issue.
fruitie
post Nov 27 2017, 10:27 AM

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QUOTE(zzzhhhzzz @ Nov 27 2017, 08:19 AM)
hi guys... just wondering.. based on my latest statement, i have spend RM742 on 25 OCT and another RM112 on 31OCT. However, I only received RM20 cashback this month... so does it mean cashback is calculated based on posting date and not transaction date ?
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What did you spend on?
fruitie
post Nov 27 2017, 10:51 AM

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QUOTE(zzzhhhzzz @ Nov 27 2017, 10:41 AM)
First two shopee... last one lazada..
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You are very sure the transaction date is on 31st Oct? If yes, then you gotta complain.
UOB does have issues with transaction posted in following month.
fruitie
post Nov 29 2017, 02:42 PM

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QUOTE(Chinus @ Nov 29 2017, 02:17 PM)
user posted image

I found out my cashback receive for my Yolo Card a bit weird.
bangwall.gif
Can any 1 check for me ah, is it same with yours also?
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Hmm. Do you know you will need to spend minimum RM 500 to activate cash back?
Total Spent in One Calendar MonthMaximum Cash Back per Calendar Month
RM500 to RM799.99RM20
RM800 and aboveRM50

It is on the first page.
fruitie
post Nov 30 2017, 11:02 AM

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QUOTE(btan @ Nov 29 2017, 08:42 PM)
uob yolo card so good?
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QUOTE(stargate8 @ Nov 29 2017, 08:50 PM)
very good if u shop online often
spend 834 to get 50 cashback
swipe any amount per month to get annual fee auto waiver
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Useful to pay bills, flight tickets, hotel bookings, Uber and Grab.
fruitie
post Dec 4 2017, 05:31 PM

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QUOTE(enixcv123 @ Dec 4 2017, 05:24 PM)
Called to bank to find out the CB for october statement, was being told that some transactions were not eligible and hence did not meet the minimum requirement with spending of Rm500 even already spent more than 600.

fk up and proceed with the card cancellation immediately.
*
Share your Oct transactions here, I'm curious to know which were not entitled. smile.gif
fruitie
post Dec 4 2017, 05:59 PM

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QUOTE(enixcv123 @ Dec 4 2017, 05:48 PM)
what CS mentioned Astro & TMONLINE considered as utilities and hence not counted.
Then main point is Those eligible for CB were spent 500 below so thats the reason i am getting 0 CB.

===============

29 SEP KLOOK TRAVEL TECHNOLOGY HONG KONG HK 56.66
USD 13.10
29 SEP KLOOK TRAVEL TECHNOLOGY HONG KONG HK 190.76
USD 44.10
04 OCT PAYMENT REC'D WITH THANKS 1,160.05CR
07 OCT ASTRO-3D E COM KUALA LUMPUR MY 113.35
07 OCT DIGI ONLINE BILL PYMT-EC SHAH ALAM MY 43.04
07 OCT DIGI ONLINE BILL PYMT-EC SHAH ALAM MY 42.40
07 OCT DIGI ONLINE BILL PYMT-EC SHAH ALAM MY 53.00
07 OCT TMONLINE(EC) KUALA LUMPUR MY 189.75
07 OCT MCDONALDS-MID VALLEY 1 KUALA LUMPUR MY 6.00
11 OCT Lazada KUALA LUMPUR MY 23.12
15 OCT Lazada KUALA LUMPUR MY 13.00
18 OCT AXA AFFIN GENERAL INS BHD WP KUALA LUMP MY 105.00
18 OCT AXA AFFIN GENERAL INS BHD WP KUALA LUMP MY 26.25
20 OCT Lazada KUALA LUMPUR MY 224.52CR
24 OCT UOB YOLO CARD-6% AND 3% CASHBACK (SEP 17) 50.00CR

===============
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Actually not related to Astro and TM Online (you don't need to correct them, you know I know, everyone knows tongue.gif).

It's due to your AXA Affin, I supposed that's insurance? Insurance is not entitled for cash back.

I have calculated your expenses excluding AXA insurance expenses were 483.66 which was less than RM 500.
fruitie
post Dec 4 2017, 06:06 PM

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QUOTE(enixcv123 @ Dec 4 2017, 06:03 PM)
yea, maybe i overlook the tnc, it mentioned those are not qualify as the spending. But i still continue to cancel the card due to uob CS really sucks & unfriendly. PB is much more better.
*
Well, it's individual's preference. I will not cancel cards which are useful for me.
So far UOB CS are good to me, maybe I complained too much in the past. tongue.gif
fruitie
post Dec 4 2017, 07:17 PM

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QUOTE(mamamia @ Dec 4 2017, 06:20 PM)
Sorry, I’m confused now.. I thought YOLO requirement is as long as ur qualifying spending (insurance also qualifying spending for calculation of spending per calendar month) is above RM500 and RM800 for any spending (for different cashback tier), ur cashback will be “activated” and those online and dining transaction will be eligible for cashback?

Eg, since he spent 800+ for Oct17, he will get 6% cashback on those online txn and 3% on dining, but he won’t get full RM50 cashback since only 400++ is online txn.. so, in short, he suppose to get cashback of RM20++
*
Good point, if it were me I will raise a dispute.

Regardless, he only spent RM 614.91 and not over 800.

07 OCT ASTRO-3D E COM KUALA LUMPUR MY 113.35
07 OCT DIGI ONLINE BILL PYMT-EC SHAH ALAM MY 43.04
07 OCT DIGI ONLINE BILL PYMT-EC SHAH ALAM MY 42.40
07 OCT DIGI ONLINE BILL PYMT-EC SHAH ALAM MY 53.00
07 OCT TMONLINE(EC) KUALA LUMPUR MY 189.75
07 OCT MCDONALDS-MID VALLEY 1 KUALA LUMPUR MY 6.00
11 OCT Lazada KUALA LUMPUR MY 23.12
15 OCT Lazada KUALA LUMPUR MY 13.00
18 OCT AXA AFFIN GENERAL INS BHD WP KUALA LUMP MY 105.00
18 OCT AXA AFFIN GENERAL INS BHD WP KUALA LUMP MY 26.25

Maybe something to do with this refund? They offset with the cash back received (I assumed Sept cash back)?
20 OCT Lazada KUALA LUMPUR MY 224.52CR

QUOTE(enixcv123 @ Dec 4 2017, 06:59 PM)
i was thinking the same initially, then only realize those transactions that are not eligible one would excluded in calculating the amount of either RM500 or RM800.
*
Then you gotta question them back since you have spent above RM 500.

This post has been edited by fruitie: Dec 4 2017, 07:18 PM
fruitie
post Dec 4 2017, 07:22 PM

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QUOTE(mamamia @ Dec 4 2017, 07:20 PM)
Oops, I didn’t notice th Lazada txn is CR. Then it is for sure you won’t get cashback coz after minus the CR, it is less than 500 spending for Oct month.. now we know why..
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Actually no.. I excluded the credit amount, he has spent RM 614.91, still above RM 500...
fruitie
post Dec 4 2017, 08:24 PM

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QUOTE(mamamia @ Dec 4 2017, 08:04 PM)
No, we need to include the refund amount.. refunded amount is not qualifying spending as per tnc.. it is cross month refund.. I believe he spent in Sep, refund in Oct.. so, his total spending need to minus the 200+ refund, so, ended up his qualifying spending after the CR amount is less than 500, ie 414.91..

UOB can’t back date for Sep17 since the refund only happened in oct.. he will untung only if he didn’t spend anything in Oct17 then UOB won’t be able to “penalize” him..

I’ve the same experience b4, I spent in Jan, refund happened in Feb, but I didn’t spend anything in Feb, but I still get cashback in Feb for the Jan txn which already refunded in Feb, but UOB unable to back track it as they can only track the txn based on current month spending.. (qualifying less non-qualifying spending)
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OK, now I got it. I didn't know still need to deduct.. sweat.gif
enixcv123, I believe this is a more valid explanation as mamamia has experienced this herself...
fruitie
post Dec 4 2017, 09:21 PM

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QUOTE(atisha @ Dec 4 2017, 09:14 PM)
Just notice my Yolo card incur annual fee of RM95 last November but they also rebate Rm90 but the GST fee Rm5.40 is not refunded. Did anyone encounter this as well?
*
Yes, many, I was one of them too.
Just call CS and they will refund GST.

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