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

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cybpsych
post Mar 24 2024, 05:44 PM

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QUOTE(mjchua @ Mar 24 2024, 01:56 PM)
yep, I will do it tomorrow, as per tnc it doesn't matter to register before or after ewallet topup right ?
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yah no dependency actually
cybpsych
post Mar 25 2024, 07:25 AM

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QUOTE(Mcwong73 @ Mar 25 2024, 12:21 AM)
Anyone top up wallet and notice your OTP still dated 24th Mar 2024? I top up both TNG and Boost also the same backdated.
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dont bother with the otp time (content). most important is the date/time captured by the bank.
cybpsych
post Mar 25 2024, 11:09 AM

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QUOTE(enriquelee @ Mar 25 2024, 10:53 AM)
Just top up boost RM 250. Hopefully can get the cash rebate.

By the way, anyone knows whether the cumulative online spend is only limited to the 'item' in the participating merchants in PDF list? For example, when I click the trip.com link in the PDF list, it bring me to flight booking promo at trip.com. My question is, if I purchase hotel stay/theme park ticket from trip.com, will it accumulate my spending for this contest?
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when you buy Coke at Lotus's ------> Do you see COKE description in the cc statement? or LOTUS'S description?

another way to look at this. does hotel stay/theme park ticket purchased from trip.com will give you different description other than TRIP.COM?
cybpsych
post Mar 27 2024, 06:24 AM

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QUOTE(Reminisceization @ Mar 26 2024, 11:30 PM)
hey guys. am planning to apply UOB one classic card.

saw the tnc mention retail spend is total spend made in local currency. does "retail" also include ewallet reload? or does it only apply for grab pay topup
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retail spend, not retail outlet

retail spend means transactions that you PAY using the card
cybpsych
post Mar 30 2024, 08:10 PM

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QUOTE(jutamind @ Mar 30 2024, 10:50 AM)
For end Mar statement, anyone missing Cashback for UOB One Visa card? I don't see any Cashback on Mar 29 statement despite spending more than 500

I hope this is not another round of missing cashback again
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read the t&c carefully too

1) any new txn that didn't happen before?

2) how did you calculate >500 spending?

3) any txn posted exactly on statement date?

considering you're not rookie with this card, (1) shouldn't be happening.
cybpsych
post Mar 30 2024, 09:30 PM

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QUOTE(jutamind @ Mar 30 2024, 09:21 PM)
Closing balance is 525.12. Also manually summed up the amount to the same balance.

First posted transaction is 9 Mar, last posted transaction is 25 Mar and statement is on Mar 29.

Even if I don't get the full 40 Cashback, it shouldn't be 0 amount for Mar
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zero cb is possible if you didnt achieve min 500 eligible spending before statement date.

since you already escalated, let them (re)check your actual transactions.

we can only guess.
cybpsych
post Apr 3 2024, 07:37 AM

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QUOTE(ryan18 @ Apr 2 2024, 10:46 PM)
Just had a look at UOB ONE tnc on the cashback when I notice so many ewallet topup didn’t get any cashback 😢
The clause on exclusion says all topup transactions are excluded from any cashback except grabpay https://www.uob.com.my/web-resources/person...-eng-010423.pdf
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errrrrrrrrr why would you be thinking ONE card is ewallet-friendly? laugh.gif

their card benefits never promoted ewallet rewards.... with exception of Grabpay due to inclusion of "Grab" services category

user posted image
cybpsych
post Apr 3 2024, 08:58 AM

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QUOTE(ryan18 @ Apr 3 2024, 08:36 AM)
Well I thought they would be same like Citibank time where even ewallet topup get 0.2% haha
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better dont waste ewallets cc quota on 0.2% le brows.gif

better use it for other cc, if you have any
cybpsych
post Apr 3 2024, 09:02 PM

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QUOTE(Ramjade @ Apr 3 2024, 08:05 PM)
So example if I spend RM100 each on dining, petrol and RM300 on grocery, max cash back I can earn is RM10+10+10 right?
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7 posts above?
cybpsych
post Apr 8 2024, 06:26 AM

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QUOTE(MasBoleh! @ Apr 8 2024, 04:13 AM)
The up to RM 150 per month meaning if I spend on petrol , exceeded RM 150 per month only eligible for the 10% cashback for petrol category only?

Or as long as my retail spending on any category, exceeded the spending per month, then I am entitled for the 10% regardless of the categories?
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per category

the table for "up to RM100/RM150 per month" is derived from RM10/RM15 cb (10%) per category, per month.


assuming you've met the Total Monthly Spend (eligible) to unlock the 10% cb. else, you'd get 0.2% cb for all your eligible spend
cybpsych
post Apr 8 2024, 09:37 AM

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QUOTE(victorian @ Apr 8 2024, 09:32 AM)
I noticed something contradicting with the way UOB calculates their cashback.

I swiped my card in a restaurant on 5th Apr, thinking it was still in time before my statement date on 7th.

And the transaction was only posted on the 7th, the amount was included in the statement balance, however I did not receive any Dining CB for that.

Happened to me previously, and I did report and gotten my CB successfully.
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which card?
cybpsych
post Apr 8 2024, 09:38 AM

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QUOTE(victorian @ Apr 8 2024, 09:32 AM)
I noticed something contradicting with the way UOB calculates their cashback.

I swiped my card in a restaurant on 5th Apr, thinking it was still in time before my statement date on 7th.

And the transaction was only posted on the 7th, the amount was included in the statement balance, however I did not receive any Dining CB for that.

Happened to me previously, and I did report and gotten my CB successfully.
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QUOTE(victorian @ Apr 8 2024, 09:38 AM)
UOB One
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user posted image
cybpsych
post Apr 8 2024, 10:46 AM

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QUOTE(victorian @ Apr 8 2024, 10:32 AM)
Yup which is why I mention it’s contradicting.

Because it’s taken into account in statement balance but they are not rewarding you the cash back.

Anyway it’s out of my control they posted it T+2
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statement is statement.

cashback calculation, for UOB and some other banks, doesnt include txn posted on statement date.

usually this is due to system-intensive and timing conflict (ie cashback need to be calculated FIRST before statement can be generated, which will eventually cause unnecessary delay)

this seems easy by just looking at 1 card alone; but for uob system to run the cb calculation + statement generation for thousandsssssssssss of cards within few hours after midnight, it will be system-intensive and may break their relevant SLAs too.

also, uob cannot control when txn is posted because it's done at merchant side. not even uob's fault.


uob has put this t&c clearly in the exclusion. feel free to keep complaining to them. else, just dont use any cards that doesnt award cb for txn posted on statement date.


user posted image
cybpsych
post Apr 8 2024, 10:52 AM

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QUOTE(MGM @ Apr 8 2024, 10:48 AM)
Does it mean that even transaction is from cb category, no cb if posted on statement date, not even carry forward?
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no idea, i do all my txn much earlier before reaching statement date.

perhaps others can share if it's counted next cycle or not.


if not counted, then this is an issue.

if counted, then it's just a delayed crediting. some ppl may have no issue with this delay, some may not accept. even UOB put up a specific clause for this scenario.
cybpsych
post Apr 9 2024, 11:45 AM

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QUOTE(aurora97 @ Apr 9 2024, 10:45 AM)
Aside from issues from the vendor side i.e. posting credit card transactions to the bank etc...

Although the calculation is easy but nowadays there are a lot of fraudulent transactions, the verification process is taking up some time and I think UOB is using some form of machine learning technology to screen the transactions.

When I was using M2C, my spending patterns were quite random, sometime amounts can be big and it still goes through without CS intervention. I have encountered very few rejections.

One thing I noticed for UOB, big or small, your transaction may encounter problems especially new vendors. I tried to make lump sum payment for an education center, immediately block, had to call customer service. Tried to transfer RM 10K via jompay to a financial institution also block, had to transfer in tranches instead. I bought a MAS ticket, in the MAS interface, it showed as one price but when MAS posted the transaction to UOB, it is shown as two transactions and that transaction got flagged.

I feel like I am being monitored real time.  rclxub.gif
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every card issuer/processor has fraud monitoring system in place

they can add new monitoring parameter, tweak the threshold to be tighter or lax, based on historical usage pattern (amount, frequency, merchant, etc)


this is particular true (tighter monitoring until you could't make a fart) after last year's ipay88 leakage, which literally bumped Malaysia as top most frauded cards issuer country.
cybpsych
post Apr 13 2024, 11:03 AM

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QUOTE(victorian @ Apr 13 2024, 10:26 AM)
UOB Evol still no cb yet
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nothing wrong. still early
cybpsych
post Apr 14 2024, 11:36 AM

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QUOTE(cloudclone @ Apr 14 2024, 11:34 AM)
different. last time i get cashback for specific topup, now no more. retail spend must be made at retail.
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nope, no changes to tnc

show your statement that support your claim?
cybpsych
post Apr 17 2024, 07:48 AM

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Evol cb credited

user posted image

This post has been edited by cybpsych: Apr 25 2024, 09:04 AM
cybpsych
post Apr 18 2024, 05:30 PM

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// RM0 UOB: Get RM50 cashback + 1% cashback with your approved credit limit increase and Flexi Credit Plan, by 15JUL24. Search "F1" on our website for info (T&C) //
cybpsych
post Apr 19 2024, 10:10 AM

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QUOTE(TongCN @ Apr 19 2024, 09:50 AM)
Received my replacement card (fka CITIBANK) today

Lol .. now i have 2x UOB One card and luckily one is M one is V
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2 classic or mixture of classic + platinum? laugh.gif

good la, double your gain, if you spend that much brows.gif

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