Of course. Pay full before or by payment due date; otherwise, late payment fee and interest will be charged.
But very unlikely as you're spending within your CL.

This post has been edited by David83: May 4 2017, 11:27 PM

Alright, thanks for the explanation.
Let's hope I can get the approval,haha
Normally how long it take for them to process the request?

This post has been edited by jasonkw9: May 4 2017, 11:33 PM

I'm not sure.
You better call CS for inquiry.

If you dont pay back full amount, it means uob will charge you interest at 18% p.a.

If you get epp, it's about instalment at lower interest. If you don't get epp and dobt pay full amount, means in a way is instalment at higher interest. Dont do instalment, no interest except for those 0% ones.

Other options, opt for balance transfer.

Balance transfer? Can you explain further to me?
eg. How it works?
Sorry that im quite new to this

BT to another CC from bank.
For example, 0% BT for 12-months from MBB.

URL: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Sorry but I still cant get the concept here

Basically you need another CC from another bank to work.
You're transferring your outstanding from your current card to the card and at the same time, converting it into a flexible installment repayment plan.

Do i need to get approval for this BT?

Of course.
Approval from the bank of CC you want to transfer the outstanding to.
Similarly, as long as you have sufficient CL, your BT will be approved.

So are you saying that EPP is more risky than BT?

EPP from UOB is not 0%.
Not risky.

Alright, thanks for all the info given
Appreciate it

Well, I called they yesterday night and got below just now, haha. Guess they dun wan to do my business

They actually sms.

If you want to replace your one card, opt for citibank cash back card. similar cash rebate features.

problem is that citibank cb require accumulate until rm12 only will cashout.

Not sure if that's a problem

Not RM 20?

pretty much by luck I think, the last time i cancel it, retention dept call up n offer 3 years waiver straight, my usage is less than 1k p.a.

Same here, I jz called taruk them Kau2, as so far never paid a single Cent of AF since 2011... So from now on jz Bye2 UOB.

However, Citibank waived the AF of My CB Plat. for ME.
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This post has been edited by fly126: May 5 2017, 12:38 PM