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Credit Cards UOB Credit Cards v9, Ex citi read post 2

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JuneResources
post Jul 5 2019, 06:49 PM

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QUOTE(genchwan @ Jul 5 2019, 04:31 PM)
Who cares. I just dont wanna waste time on meaningless transactions
*
Then you are free to terminate your card anytime.
Because you feel it is meaningless already.


JuneResources
post Jul 16 2019, 11:43 AM

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QUOTE(cybpsych @ Jul 12 2019, 09:49 PM)
UOB YOLO T&C Revision, effective 1 August 2019

https://www1.uob.com.my/web-resources/perso...olo-tnc-eng.pdf

changes: removal of UOBM SMART$ Rebate Programme  sweat.gif
*
Luckily... blush.gif
But please don't play play like MB.. (you got what I mean...) devil.gif
JuneResources
post Aug 1 2019, 09:54 AM

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Did you guy received another campaign cashback at Yolo this month?

Weird suddenly receive any campaign cashback. it's twice cashback.. Don't know is grabapp cashback or others? No much information at online statement..
JuneResources
post Aug 1 2019, 10:00 AM

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QUOTE(CardNoob @ Aug 1 2019, 09:56 AM)
What is the amount?
*
My one gain 10 buck only.. sweat.gif
JuneResources
post Aug 22 2019, 03:03 PM

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QUOTE(avinlim @ Aug 20 2019, 03:45 PM)
Call to cancel my UOB One and Privimiles morning due to sst.

Just now cs calling back to absorb the fees. Boom check online RM25 already update for both card. Well, just keep for another year.

Its really so easy for UOB...not like mbb.
*
Mbb is totally different.
They don't give you any face to absorb the fees.

Don't like, call and cancel.
10 minutes later, card number disappear from your online banking.

Efficiency + Don't give you any face at all. thumbsup.gif
JuneResources
post Aug 23 2019, 10:37 AM

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QUOTE(avinlim @ Aug 23 2019, 08:16 AM)
Ya lo...big boss bank ma. Mbb, I call to cancel, after hang up n check online, account already appear "close".
*
Never mind loh..
After cooling period, then re-apply again loh..

That's the worst ppl holding a lot of physical card.
But mostly the card is terminate one.. laugh.gif
JuneResources
post Aug 25 2019, 08:59 AM

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Hi all, do you guy receive July cashback?
Weird, normally almost this few day will receive rebate.

Seems like delay until National Day?
JuneResources
post Aug 27 2019, 03:39 PM

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Today is CB day..
Yeahh, rclxm9.gif but it's time to do payment.. yawn.gif
JuneResources
post Sep 20 2019, 02:11 PM

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QUOTE(tan_aniki @ Sep 20 2019, 01:32 PM)
For Aug transactions?
I spend 8 X RM125 on Boost, no CB received...
Or is it because of the first two times no OTP request then not qualified?

03 Aug 2019 01 Aug 2019 BOOST APP 3D-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP 3D-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP 3D-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP 3D-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP 3D-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP 3D-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP SSL-EC KUALA LUMPUR MY 125.00 MYR
03 Aug 2019 01 Aug 2019 BOOST APP SSL-EC KUALA LUMPUR MY 125.00 MYR
*
QUOTE(loongzai2 @ Sep 20 2019, 01:38 PM)
I did not get on Aug too im using JomPay
*
My one also feel weird Aug using JomPay did not have cashback.
Only earn less than 10 buck.

Something wrong.. confused.gif
JuneResources
post Sep 20 2019, 03:04 PM

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Hi, can somebody clarify top up TNG apps and Sarawak pay consider as online transactions by using Yolo?

If I have overlook the previous thread, please let me know. The best way if somebody can update the cashback entitle at first thread.

Thanks a lot. smile.gif
JuneResources
post Sep 20 2019, 03:35 PM

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QUOTE(alexwsk @ Sep 20 2019, 03:07 PM)
so you've already got cash back but amount less than RM10?
can share your transactions here?
*
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 8888 TM UNIFI 12.47 MYR
01 Aug 2019 Shopee Malaysia KUALA LUMPUR MY 29.79 MYR
03 Aug 2019 Shopee Malaysia KUALA LUMPUR MY 25.85 MYR
04 Aug 2019 GRABPAY ECOM SSL-EC PETALING JAYAMY 10.00 MYR
04 Aug 2019 GRABPAY ECOM SSL-EC PETALING JAYAMY 10.00 MYR
09 Aug 2019 GRAB ECOM SSL-EC PETALING JAYAMY 7.00 MYR
13 Aug 2019 Shopee Malaysia KUALA LUMPUR MY 28.80 MYR

20 Sep 2019 20 Sep 2019 CAMPAIGN CASH CREDIT -8.98 MYR

I though at least 2 digit number.. shocking.gif
But not single number.. cry.gif
JuneResources
post Sep 20 2019, 04:20 PM

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QUOTE(fruitie @ Sep 20 2019, 03:37 PM)
Maybe that RM 8.98 is your other campaign cash back, not the monthly cash back.
*
You mean the RM8.98 is from Grab transactions?
If it is the Grab transactions, then I should refer to the Aug grab transactions or Sept transactions?

QUOTE(ClarenceT @ Sep 20 2019, 03:43 PM)
(12.47x10 +29.79 + 25.85 ) @ 5% is ~RM9.
*
That means after 3rd day, the CB quota already full?
Waa... Like that so kia su meh? shocking.gif

QUOTE(cybpsych @ Sep 20 2019, 03:54 PM)
grab all not eligible (cb and count)
transaction 9th onwards not cashback (assume no quota left)
you only hit 13x transaction, so only 5% tier

0.62 x 10
+ 1.49
+ 1.29
= 8.98
*
Ya, I know grab is another campaign cashback, but not refer to the credit card cashback itself.
Haizz.. sad.gif I though grab consider count of the transactions (But not count for cashback)..

Waa, after 9th onwards assume no quota left? hmm.gif

If really do so, then this card can say almost valid for 1 week to gain cashback.
Too fast already.. doh.gif

This post has been edited by JuneResources: Sep 20 2019, 04:23 PM
JuneResources
post Sep 23 2019, 10:10 AM

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QUOTE(cybpsych @ Sep 20 2019, 04:45 PM)
I put the t&c because you counted grab.

also, already known cb quota finish by 8th since last month . yours was 9th.
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QUOTE(mamamia @ Sep 20 2019, 05:18 PM)
His last eligible transaction is on 13 Aug, so, maybe the cb quota depleted on 12 aug, need more ppl to share their last txn
*
Haizz.. Look like need support my wallet TNG and Boost using my yolo to get CB.
Damn.. It's too fast quota finish.. bangwall.gif
JuneResources
post Oct 14 2019, 05:14 PM

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QUOTE(jefftan4888 @ Oct 13 2019, 11:45 AM)
I didn't change the statement date for Aeon as the date falls within my other cards, so no issue for me.

Btw, I got a free CTOS score. Below is my latest score after applying for 18 cards from 11 banks.  biggrin.gif

[attachmentid=10334165]
*
Wow, did you apply loan such as house loan, car loan and others personal?
If just only apply credit card, then of course your score look pretty (as long as you have on-time pay your bank statement..)
JuneResources
post Oct 14 2019, 05:31 PM

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QUOTE(cucikaki @ Oct 13 2019, 12:06 PM)
HSBC, Citibank and RHB. The card I applied is those RM24k per annum income (except for HSBC), but still rejected. Annual income is way more than that. But dont really care coz I applied those cards to get Vivo S1 phone that day thru RinggitPlus.
Our score is not much difference. Also clean CCris record. Perhaps the 3 banks reject me due to they know I only apply coz I want to get the freegift and plan to cancel after that. Ahahah.

Planning to get Maybank Barcelona once my UOB YOLO approved. Wanting the UOB YOLO more than Maybank Barcelona.

user posted image
*
QUOTE(avinlim @ Oct 14 2019, 05:20 PM)
Mind also around that score. 72X. but alliance credit card got rejected.
*
Same too my score also like that.. But I cannot like you all so many credit card at least 10 keping..
That's really too many almost need to keep properly by using name card holder.. sweat.gif

Those oversea bank like HSBC, citibank and others of their requirement slightly higher.
Perhaps at least you have Rm38k per annum income or above (if you have RM40K annum income CONFIRM) they will begged you "Please support me and apply at least 1 credit card for me"..

Else, get out of my way and I don't want see your name again.. shakehead.gif
That's really reality bank.. whistling.gif

This post has been edited by JuneResources: Oct 14 2019, 05:31 PM
JuneResources
post Oct 15 2019, 09:05 AM

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QUOTE(avinlim @ Oct 14 2019, 05:35 PM)
Of cause ma....if I were bank, sure I will also choose customer that has money. haha...no money no talk.
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I don't think rich customer won't be take so so so many of credit card. 1 pc is enuf for them already.
Because they are rich. Still cash is the king.

Nowadays, ppl will switch over using ewallet or QR code scan scan..
Don't like a lot of rules & regulation. Example cc fees & charges, t&c and bla bla bla... yawn.gif
Those biji besar where have time to read those t&c??

QUOTE(cucikaki @ Oct 14 2019, 06:09 PM)
My annual income is more than RM40k per annum, never beg me also. Reject ade lah.

Or maybe they know I purposely apply for the free gift, coz I got ask when can approve when they call as RP gifts is only limited to first 100 ppl.
*
Perhaps you keep pushing too much to RP gifts already.. So listed as "cheapstakes".. Hahaha... laugh.gif
Limited for first 100 ppl is really too little already.. at least 1K is enuf..

This post has been edited by JuneResources: Oct 15 2019, 09:06 AM
JuneResources
post Oct 15 2019, 10:30 AM

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QUOTE(jefftan4888 @ Oct 15 2019, 09:28 AM)
I do have many types of loan. We don’t have so much money so need to leverage on banks. We also leverage CB CC, BP, eWallets, etc. to earn an extra income. Government is not taking care of M40. Price of Electricity, Water, Petrol  will be increased again in 2020. As a result, living expenses will be increased further. Our savings account interest can’t beat inflation at all.
*
If you are relied for saving account interest, I think you already dead no food no drink with not even earn like Tea O Bang 1 cup.
Well~ It comes to the worst when paying the sst of each card since you mentioned gov is not taking care of M40.
That why every year a lot of ppl cancel cc unless bank give me something for it... (U knw what I'm saying, not need so obviously)

The rebate of CC keep downsizing with add-on difficulty to gain the rebate.
Let's keep fighting for our living expenses. icon_rolleyes.gif

QUOTE(avinlim @ Oct 15 2019, 09:53 AM)
That is exactly my point... bank like target them, they have no time. Haha...and their spending is BIG. too bz forget to pay back on time...then interest 99 from bank yet they still not care since they too rich too little time to care. haha... anywhere just saying.

I saw u mention last time, your cc CL are lot...like few million right?

Does it affect your application on other cc next time. Because recently my newly apply cc give me 40k CL...which I think is too much. as I still want to apply for other CC. Will the CL take my quota of credit from other bank if i would like to apply more cc ??? P.S, my salary is peanut only, not as big as yours.
*
I remember previously walk in to the bank inquiry something, so came across the biji besar because forget pay back on time with only late 1 or 2 days, request to rebate for the interest.
But bank reject to rebate for the penalty interest. The biji besar at bank counter bang the table with not satisfaction. vmad.gif

"Only late 1 or 2 days, this single job cannot do. Well~ I pay for this shit interest. Cancel for my all credit card IMMEDIATELY and cancel all my deposit. I want to move somewhere".

The bank staff all are panic, asking manager to solve the problem.. I forget already settle the problem or not coz after inquiry my case then lari kerja.

Sometimes can learn from this biji bola.. That's really respect these ppl "Cash is a king"..
We are sucking bank benefit but not bank sucking our benefit.

By the way, my CL is still little like guli, still newbies... biggrin.gif Not like yours have a lot of credit card. thumbup.gif
Unless we make a friend and pinjam 2.6billion to me if you can.. unsure.gif

P.S, my salary just like a bird feather, simply blow it then gone already..
Earn duit like carrying the brick..
JuneResources
post Nov 15 2019, 04:26 PM

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QUOTE(yujin86 @ Nov 15 2019, 09:56 AM)
YEAR END EXTRAVANGANZA CAMPAIGN CASH BACK B2 .19CR

anyone still rmb wad this campaign about?
0.19CR LOL
*
My one only this..

CAMPAIGN CASH CREDIT -0.40 MYR

Sigh... sad.gif I wanna to order Xu Cha (Chinese tea bing) also not enuf leh..

JuneResources
post Dec 9 2019, 12:44 PM

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QUOTE(neverfap @ Dec 6 2019, 10:45 PM)
UOB Yolo cant be applied anymore?
The card agent told me his manager said the YOLO card not available to apply anymore because there will be changes on the card?
*
Impossible cannot apply Yolo anymore.
Unless there is no physical Yolo card stock on hand.

QUOTE(cybpsych @ Dec 7 2019, 10:00 AM)
better wait than regret later laugh.gif
uob is notorious in changing their T&C. vmad.gif

most likely effective 1 Jan 2020, announcement would be out in few days time (21 days grace period notification before taking effect).
*
If there is something revise, it will be revise for t&c such as rebate or limited transactions or something else. But it is impossible Yolo card no more.

JuneResources
post Dec 9 2019, 04:20 PM

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QUOTE(neverfap @ Dec 9 2019, 03:10 PM)
I should rephrase my sentence. I mean they can't submit new application until the new card term in set. I also don't know what really happened inside there.
*
I should say that they know there is something charges of term, but don't know what exactly term changes.
So to avoid any customer dispute happening at this moment, they temporary stop to promote the new card.
And yes, they don't submit new application at the first place.

It is good too for play safe (especially sales teams) because customer will listen what the sales teams explain the way to swipe card to gain rebate.
Some of the customers might not aware something terms in change (maybe for 1 Jan onwards), and end up blame sales teams poor explanation to the customers.

By the way if something change in term, then I believe UOB will earlier publish to the public.
But not last minutes like last 2 or 3 days, suddenly rules changes.

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