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

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justanovice
post Apr 6 2017, 07:03 PM

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QUOTE(sendohz @ Apr 6 2017, 04:39 PM)
MBB Amex is 6.25% equivalent in CB > YOLO 6%
Plus there is no minimum spending for Amex

You decide.
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But uob have the cashback promo now, up to rm 300. Quite tempting but allocation is too little (50x rm300 prize and 200 x rm50 prize)

I can allocate retail transactions > rm1500 on monday morning but i feel making into first 50 will be very very hard.
justanovice
post Apr 12 2017, 01:29 PM

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QUOTE(fuzzy007 @ Apr 12 2017, 11:25 AM)
ohh okay, I feel like this shield thing is just for bank benefits rather than myself
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I did subscribed to credit shield (other bank though)
I understood that if the card holder suddenly pass away, the outstanding balance will be settled by the insurance.

So good for someone with balances, or with huge spending every month.
Perhaps you can ask more details to see if you need it.
The plan i subscribed, do not need to pay anything if outstanding is 0. Only pay certain % on top of unpaid balance. I canceled the card now, though.

This post has been edited by justanovice: Apr 12 2017, 01:30 PM
justanovice
post Apr 15 2017, 05:50 PM

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QUOTE(yeop @ Apr 15 2017, 05:06 PM)
hi all, i just got my 1st cc uob one and yolo card,
not yet activate, my question is i just want to use 1 card only,
since they give me 2 card and i need to pay annual fee for both card.
if i just activate yolo card only, do i still kena charge for uob one card?
or i need to call cs to cancel it properly?
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Activation means to enable you to use the physical card.
Your credit card account is already 'active' regardless whether you activate your physical card or not.
If you do not want to pay AF, either cancel the credit card account now or cancel it before it hit its anniversary.
justanovice
post Apr 24 2017, 06:40 PM

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just called up UOB CS to verify my April transactions' Merchant Codes.
I paid MBPJ via UOBPayOnline and for that transaction I was informed the code is 4814 (in my statement, it shows 'Majlis Bandaraya Petaling Jaya'.
Did a search - it shows 'Telecommunication Services'. Not sure if it will fall under Online category.
If it is online, then I would have busted by RM50 allocation for April. Will have to wait till end May to reconfirm this.
justanovice
post Apr 24 2017, 07:00 PM

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QUOTE(cybpsych @ Apr 24 2017, 06:47 PM)
"online" is the mode of transaction, NOT the MCC for the transaction.

most cashback rules based on few logics:

1) mode of transaction
2) MCC
3) description

most of the eligible transactions under "Online" is because uob detected it as online/CNP and nothing further to filter.

for other instances, even if you pay TNB/TM at uobpayonline, it is detected as "online" but it also excluded them based on description too.

so far, uob havent excludedthose with "majlis *" descriptions, hence very likely your MBPJ @ uobpayonline already is under "Online" category.
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Thanks for the detailed explanation ! Now i fully understand how this works smile.gif

justanovice
post Apr 29 2017, 11:23 AM

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QUOTE(carbonfibre @ Apr 29 2017, 11:20 AM)
Hey guys just wanted to check on UOB's Easi Payment Plan. A bit confused

http://www1.uob.com.my/personal/cards/feat...atures_EPP.html

For example :

RM2000 purchase
6-months (2%)

Monthly repayment is : 333.33
Upfront Payment amount is : 40.00 <<< this is charged once only or charged into ontop of your 333.33 monthly payment?
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(Rm2000 + rm 40) / 6 = rm 340 p.m.

This post has been edited by justanovice: Apr 29 2017, 11:24 AM
justanovice
post Apr 29 2017, 01:51 PM

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QUOTE(carbonfibre @ Apr 29 2017, 11:24 AM)
Ooooh.. That's a real good deal
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Depends from what angle.
To me, Losing money (rm40 in this case) is never a good deal, from whatever perspective.
Mind to share why it is a good deal?


QUOTE(luotang @ Apr 29 2017, 12:29 PM)
So I want to spend rm500 today. But its end of the week. Well I be likely to get the rm50 cash back?
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Most of the forumers heresuspect the quota will run out within the first few hours. Good luck though
justanovice
post May 2 2017, 04:38 PM

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QUOTE(luotang @ Apr 29 2017, 02:24 PM)
Wow first few hours. That mean if want to swipe then must get ready on Monday early morning?
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QUOTE(putra23 @ May 2 2017, 02:03 PM)
Within first few hours? Means no chance if swipe on Monday itself?
Anyone received the cashback?
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QUOTE(adele123 @ May 2 2017, 02:46 PM)
it's only a guess. the campaign is until 4th June. UOB will only be giving out the cash back 6 weeks after the campaign. So i will report here in July if i get it. biggrin.gif
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As TS mentioned, all are guesses and sharings by fellow members here.
Just bear in mind, if get it mean bonus.. if doesn't, don't be too disheartented smile.gif
justanovice
post May 3 2017, 04:40 PM

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QUOTE(joycelsq @ May 3 2017, 09:12 AM)
i expect to get cb of rm50 but got lesser... and i confirmed did use more than 700+ on online and 300 on dining...

thanks
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What i did last month when i think i have hit rm50 max cashback was call up CS and ask the merchant code one by one to ensure all are eligible.
justanovice
post May 19 2017, 05:53 PM

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Seeing some members here already have Yolo Apr cashback, but i checked and nothing yet in my card. New cardholder started using in Apr. Is Yolo cashbacks given by batches (unlike PBB VS) ?

justanovice
post Jul 21 2017, 12:44 PM

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QUOTE(iamoracle @ Jul 21 2017, 11:17 AM)
Has anyone received call from telemarketer offering to upgrade one classic card to one platinum card with 2 years annual fee waived with condition minimum 5 transactions charged per month?

She claimed that UOB will stop issuing classic card after my one classic card expired and the card will be deactivated.

Sound fishy to me. Could it be a fraud/scam? I didn't take up her offer. I told her I need to verify with CS.

The call was coming from this land line 03-27832276. She claimed that she was calling from UOB HQ.
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Can always call back to the card centre to verify. It is possible some marketing dept or 3rd party marketer trying to upgrade card holders too.
justanovice
post Jul 29 2017, 09:39 AM

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QUOTE(cybpsych @ Jul 29 2017, 08:48 AM)
Congratulations to all the winners of UOBM up to RM300 Cash Back Campaign [ UOB ]

We are pleased to announce the winners of "Win up to RM300 Cash Back Campaign" ran from 13 March 2017 to 2 July 2017.

Congratulations!

Click here to view the list of weekly Credit and Debit Card winners.

Thanks to everyone who participated and help to make this contest a success!
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Lol announcement with full name LOL. Can see who are the big spenders biggrin.gif

This post has been edited by justanovice: Jul 29 2017, 10:01 AM
justanovice
post Aug 3 2017, 07:23 PM

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QUOTE(jkngo2003 @ Aug 3 2017, 03:42 PM)
from the last week, i get rm300x 10 plus rm50 x4 and i swipe all aroudn 12.05am
This week, the list out , i get rm300 x14 unit.

yippie
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Wow congrats!
What were you swiping, rm1500 for 14 weeks at 12.01 am ? Totaling to 21K ++ omg

This post has been edited by justanovice: Aug 3 2017, 07:23 PM
justanovice
post Sep 24 2017, 08:17 AM

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QUOTE(maeve @ Sep 24 2017, 05:42 AM)
Hi guys, I dunno if this thing has been discussed here before.

I received sms from UOB like below on 6 Sept:
' UOBM Cards: Exclusive for you! Cash Advance fee is waived. Withdraw Cash from any bank ATM with card pin. Valid till 31 Dec 2107. T&C apply'

I used the cash advance facility on the 10th, but when I checked my statement online, I was actually charged with the fees as normal; no waive.Nada.

When I called CS a couple of days later, then she explained that the waive is actually a promotional thing, and only eligible customer will get after the promo ends on december.

I was like wtf. The sms itself is so misleading, and they got away with saying that the thing is just a promotion. I dunno how many fell for the trap.
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1. Cash advance fee is the 1 time charge when you use the facility, even if it is waived, you will still need to pay interest on the amount withdrawn
2. There's always 'refer to tnc' clause in all sms promo.. best is to call in and understand how the promo works.
justanovice
post Nov 3 2017, 07:40 AM

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Hi guys. Anyone win any adidas vouchers for yolo adidas campaign? Campaign detail as below.

http://www1.uob.com.my/assets/pdf/tnc/UOB-...das-tnc-eng.pdf
justanovice
post Nov 10 2017, 03:02 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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Comparison with ambank - i was charged with annual fee + gst , and both were waived on the same day (from internet statement)
Well good for you akauntan, Banks will love you as customer biggrin.gif
justanovice
post Nov 10 2017, 05:24 PM

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QUOTE(Kitty Zhang @ Nov 10 2017, 03:18 PM)
Bukan all bankers are bad

Some really will go the extra mile for u when u need them nod.gif

Like e.g. salary payment bank cut-off is 1PM for the day processing, when we request they even accept our submission at 4.30PM thumbup.gif
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True.. win win situation. All favors are given based on relations smile.gif
justanovice
post Feb 11 2018, 01:08 AM

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QUOTE(kaiserreich @ Feb 10 2018, 09:20 PM)
I read that topping up the boost app via YOLO card does not give Online CB.
Now TunePay come up with another Big prepaid card. Look up the "BIGPAY" app in the appstore.
Previously, we can top up Big Prepaid card with CC and get Cashback. Everyone was happy till they removed it.

Well, it turns out, the Big Prepaid Card is back, and you can top up with CC.
There is an option for AMEX, but the reviews on the app says that it isn't supported.

I managed to top up my Big Pay card. Call UOB CS and they mentioned the MCC is 6012.

Not sure whether UOB allows CB for this. If they do, we can top up 16x on 1st of every month and maximize cashback.
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QUOTE(MGM @ Feb 11 2018, 12:50 AM)
Mcc 6012 is stored value card. So was there OTP when u made payment to BIGPAY? Hope it is taken as topup transaction.
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Topup is excluded from the yolo swipe requirement as per t&c.
justanovice
post Feb 11 2018, 09:15 AM

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QUOTE(MGM @ Feb 11 2018, 05:18 AM)
Sorry mistake corrected.
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No problem bro, lol no need to be apologetic.. we are all here doing sharing for benefit of all smile.gif

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