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

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sg8989
post Jan 28 2025, 01:14 PM

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SHELL CASHBACK CAMPAIGN for nov and dec is credited.
ChiaW3n
post Jan 28 2025, 04:31 PM

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QUOTE(cybpsych @ Jan 27 2025, 10:50 AM)
2 separate matters, and dpeneds on how bank treats the "fraud txn". you need to ask bank how is the treatment.

1. fraud txn already posted in your cc statement, which was not flagged earlier (before it got posted). this is card statement cutoff behavior.

2. since txn already posted, bank will trigger chargeback dispute. they will flag the txn for fraud dispute (with the merchant and its acquirer). if either failed to provide proof that the txn is valid/genuine, the txn will be reversed (from your cc account).
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Ah means I have to call up the bank again and ask? Because I thought it will auto reverse but saw it was posted as transactions that’s why I ask here first before deciding the next step
cybpsych
post Jan 28 2025, 05:06 PM

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QUOTE(ChiaW3n @ Jan 28 2025, 04:31 PM)
Ah means I have to call up the bank again and ask? Because I thought it will auto reverse but saw it was posted as transactions that’s why I ask here first before deciding the next step
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of course if you already reported it, then wait for the fraud txn to be reversed lo


you call the bank again to find out whether you need to pay for the statement balance or not ... chargeback dispute can last longer than you 1 month statement cycle


some banks need you to pay first, some banks ok to skip it since it's already 'flagged' as fraud
lalahehe90
post Jan 29 2025, 12:31 PM

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Kiplepay start charging 1% topup fee liao
knwong
post Jan 29 2025, 02:12 PM

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QUOTE(lalahehe90 @ Jan 29 2025, 12:31 PM)
Kiplepay start charging 1% topup fee liao
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What has that got to do with UOB?
kevyeoh
post Jan 30 2025, 01:07 PM

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hello...sorry if this sound like a stupid question...just want to confirm...means we see Posting Date in the calendar month right?

For avoidance of doubt, “minimum spend” is defined as the total retail transaction
successfully charged and posted to the Cardmember’s Card account within each calendar
month excluding the below:
a. transactions made on Balance Transfer, Cash Advance, Easi-payment Plan (EPP),
Flexi Credit Plans;
b. refunded, disputed, unauthorized or fraudulent retail transactions; and
c. payment of annual card membership fees, interest payments, late payment fees,
charges for cash withdrawals, government service tax and any other form of
service / miscellaneous fees.
d. transactions made via Jompay and FPX.


QUOTE(cybpsych @ Sep 30 2024, 09:12 AM)
read evol t&c clause #5
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cybpsych
post Jan 30 2025, 02:47 PM

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QUOTE(kevyeoh @ Jan 30 2025, 01:07 PM)
hello...sorry if this sound like a stupid question...just want to confirm...means we see Posting Date in the calendar month right?

For avoidance of doubt, “minimum spend” is defined as the total retail transaction
successfully charged and posted to the Cardmember’s Card account within each calendar
month excluding the below:
a. transactions made on Balance Transfer, Cash Advance, Easi-payment Plan (EPP),
Flexi Credit Plans;
b. refunded, disputed, unauthorized or fraudulent retail transactions; and
c. payment of annual card membership fees, interest payments, late payment fees,
charges for cash withdrawals, government service tax and any other form of
service / miscellaneous fees.
d. transactions made via Jompay and FPX.
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1st sentence already answered you.... "successfully charged and posted"
Lifeblurboi
post Jan 30 2025, 06:21 PM

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Did anyone applied for the BT 6months?

have a statement date today but the amount seem to be very weird to me. Applied for 16.4k balance transfer, but the statement due amount is 16.4k and minimum amount is 820, which is not tally to 6 month (2733.33) per amount.

called to CS, they just mentioned to follow the minimum payment... is this statement amount correct be show as total 16.4k
gastacopz
post Jan 30 2025, 07:25 PM

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QUOTE(Lifeblurboi @ Jan 30 2025, 06:21 PM)
Did anyone applied for the BT 6months?

have a statement date today but the amount seem to be very weird to me. Applied for 16.4k balance transfer, but the statement due amount is 16.4k and minimum amount is 820, which is not tally to 6 month (2733.33) per amount.

called to CS, they just mentioned to follow the minimum payment... is this statement amount correct be show as total 16.4k
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reducing payment..last payment pay lump-sum
5% for the1st 5months
ChiaW3n
post Jan 31 2025, 12:14 PM

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QUOTE(cybpsych @ Jan 28 2025, 05:06 PM)
of course if you already reported it, then wait for the fraud txn to be reversed lo
you call the bank again to find out whether you need to pay for the statement balance or not ... chargeback dispute can last longer than you 1 month statement cycle
some banks need you to pay first, some banks ok to skip it since it's already 'flagged' as fraud
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Thanks for the tip I already called back to uob just now and they already filed dispute on those three transactions that not performed by me for sure so temporarily reversal was granted, 20 over ish k ask me to pay I really pengsan
cybpsych
post Jan 31 2025, 04:58 PM

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QUOTE(ChiaW3n @ Jan 31 2025, 12:14 PM)
Thanks for the tip I already called back to uob just now and they already filed dispute on those three transactions that not performed by me for sure so temporarily reversal was granted, 20 over ish k ask me to pay I really pengsan
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yeah, 20k+ fraud is alarming and worrying if bank need you to pay first.

most times, fraud merchant/acquirer will fail to provide proof that the fraud txn really genuine
Glcotan
post Feb 1 2025, 11:20 AM


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1st day CNY already kena 1k Euro angpao to Facebook via UOB

skty
post Feb 1 2025, 03:38 PM

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QUOTE(Glcotan @ Feb 1 2025, 11:20 AM)
1st day CNY already kena 1k Euro angpao to Facebook via UOB
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Heng Ong Huat ar!
spreeeee
post Feb 3 2025, 10:33 AM

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QUOTE(sg8989 @ Jan 28 2025, 01:14 PM)
SHELL CASHBACK CAMPAIGN for nov and dec is credited.
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yes!
got it too!
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Micky78
post Feb 3 2025, 04:23 PM

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any member requested to change the billing cycle before?
cybpsych
post Feb 3 2025, 04:45 PM

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QUOTE(Micky78 @ Feb 3 2025, 04:23 PM)
any member requested to change the billing cycle before?
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yes, did before
aurora97
post Feb 5 2025, 03:18 PM

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Hi want to check, is the annual fee for Zenith card can be waived or not? Also, any conditions imposed for waiver?
cybpsych
post Feb 5 2025, 03:20 PM

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QUOTE(newbie99 @ Nov 5 2024, 01:10 PM)
Just to share coz some websites claimed Zenith AF is not waivable.
I called UOB and they said they would waive the 1k annual fee. Subsequent annual fee waiver will need a minimum spend of 250k yearly
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QUOTE(aurora97 @ Feb 5 2025, 03:18 PM)
Hi want to check, is the annual fee for Zenith card can be waived or not? Also, any conditions imposed for waiver?
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quick search from this topic
aurora97
post Feb 5 2025, 03:32 PM

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QUOTE(cybpsych @ Feb 5 2025, 03:20 PM)
quick search from this topic
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Thanks. I know about this quite a few years back. Even SST could be waived. Recently called up UOB and they refused to waive cause imposed by Gov BS.

The terms and conditions are changing every now and then, so better check first before applying, so mahuan.
cybpsych
post Feb 5 2025, 03:35 PM

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QUOTE(aurora97 @ Feb 5 2025, 03:32 PM)
Thanks. I know about this quite a few years back. Even SST could be waived. Recently called up UOB and they refused to waive cause imposed by Gov BS.

The terms and conditions are changing every now and then, so better check first before applying, so mahuan.
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SST is govt law. bank cannot waive it. cardholder is paying the sst, bank is just collecting the sst on behalf of the govt. as a token of goodwill or retention, bank give a separate rebate to you.

AF is bank's fee, which is not restricted to any law except to bank's policy and discretion to waive or not.


no need keep checking. ALWAYS call bank. simple to do.

our answer or experience dealing with bank may not be valid or applicable to you.

This post has been edited by cybpsych: Feb 5 2025, 03:36 PM

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