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

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post Apr 27 2024, 09:17 PM

李素裳
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QUOTE(kyleen @ Apr 26 2024, 02:48 PM)
I noticed UOB app credit card updates are strange. Transactions are posted pending status for a few days, sometimes a pending transaction disappear for 1 day and reappear 1 day later. But it will settle down after few days, so far I have nothing missing and Cashback are correct, so no complaints. Just strange.
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usually no need to worry, most app display credit card transaction slower than debit.
HSBC lagi worse, whole credit card page gone when refreshing, as if it never existed, like for few hours then come back lol sweat.gif
1024kbps
post Feb 11 2025, 08:39 PM

李素裳
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QUOTE(jerrymax @ Feb 11 2025, 08:35 PM)
I was able to add PRVI Elite miles card to UOB Pay but never had any successful transaction. Called and went to the branch, no one knows why.
Gave up using UOB Pay.

Indeed SG cardholder have been using mobile contactless for quite some time, very convenient.
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use GPay?

Gpay works internationally, unless the bank explicitly stated does not support gpay.
(HSBC SG debit card, and dozen of SG prepaid debit does not work with gpay)

Have UOB debit card added to uob pay too, never worked lol.
1024kbps
post Apr 20 2025, 01:02 AM

李素裳
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QUOTE(a13solut3 @ Apr 18 2025, 11:05 PM)
Anyone tested using Dragonpass twice on same day for lounge access for VI?

I remembered the last time it was 12x access per calendar year but capped at once a month.

The new T&C doesn't have that clause anymore
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I think depends on lounge, for plaza premium lounge, there is 2 hours restriction between access.
If you use dragonpass, read the lounge description.

i never tried before as i will just enter ~3 hours before boarding.
1024kbps
post Jul 10 2025, 08:22 PM

李素裳
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Gais, If i work in SG, what are the chance of getting UOB credit card?
Considering getting PME or VI due to i travel often
I have housing loan with PBB so credit card application like instantly approved.
Before that tried once UOB took age to process in the end got rejected lol
1024kbps
post Jul 11 2025, 12:44 AM

李素裳
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QUOTE(knwong @ Jul 10 2025, 08:46 PM)
Apply UOB in SG la
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Amex, Citi and HSBC accepted my application,
UOB SG rejected few times, they dont really share the reason of rejection, might try secured card in the future
1024kbps
post Jul 14 2025, 10:31 PM

李素裳
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QUOTE(Bonjitettei @ Jul 14 2025, 10:26 PM)
I want to apply to increase credit limit on my One card.

When i received the new card, they gave me RM69k credit limit. Then i called to reduce it to 10k.

After 2 months of usage, I request to increase my limit to 30k, but they rejected.

Anyone know whether it is possible to appeal?
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Wait for 6 months, then request for increase.
if you always max out your cl every months, they will have your spending pattern, then will adjust accordingly.
2 months is too short.

My Amex is 5K SGD initially, i have 2 card and after few months with them my CL reach 30-40%
they request me to submit 3 months payslip with guaranteed cl increase to 10K.
1024kbps
post Nov 8 2025, 03:20 AM

李素裳
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QUOTE(fruitie @ Nov 8 2025, 02:42 AM)
Just now suddenly I received an OTP request for my VI, to spend HKD 20,713.76 @ Cebu Air. sweat.gif Quickly went into UOB app to block the card.

Called CS and asked what to do next since I already blocked the card, he said it still needs to be replaced because if I continue using the card and if there are other fraud charges, bank is not liable for them.

Since I seldom use this card so I’m OK to get everything replaced. Will receive within 3-5 working days.
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If you ever used the card on apps or website, the card details and your detailed infos are on hacker hands, hacker dont use the card details, they sell the info on telegram or darkweb to willing buyers.

Bank knows this and they couldn't do anything except to block the transaction and issue new card for you if you ever reported it.

To increase the security, try to use apple pay or google pay for transaction authentication.
Gpay pass the virtual card number to app/website, which is different from physical card.
the virtual card details are useless to hackers.


Anyway most bank credit card security functions still way behind some e-wallet eg Wise and Revolut.
Both have fine grained control to enable/disable card functions, even if your card info leaked, you still can use it for ATM withdrawal, without disable the whole things.
For oversea, i use Google pay as much as possible, for contactless.
1024kbps
post Nov 8 2025, 10:51 AM

李素裳
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QUOTE(fruitie @ Nov 8 2025, 06:32 AM)
My last transaction was in Feb-March when I swiped it physically in Spain/Portugal.

I always use Apple Pay but UOB Malaysia doesn’t support Apple Pay yet.

Anyway, it’s not a big deal. I used to have a lot of fraud attempts on my CIMB TWE in the past too. That was the worst. laugh.gif I also had once before on UOB PME. Since I don’t have any auto-billing, so it’s not an issue to get it replaced.
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Do you mean you swiped it on terminal?
Probably got duped when swiping, looks like EU credit card fraud are worse.

I used to have a lot of attempts on my debit card and my grab master card too.
some are small amount like 10 SGD or few cents in Indonesia, grab card fraud attempt where blocked few times, one in Australia, one in US, range to 200 to 400 USD, both attempt blocked and Grab CSO called me just to confirm if it was me lol.
1024kbps
post Nov 8 2025, 11:02 AM

李素裳
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QUOTE(winmxbb @ Nov 8 2025, 09:04 AM)
hacker have a method randomly guess cc number and ccv.
if u kena, just a luck for the hacker.
even u use google pay cannot avoid this.
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these probably small time hackers.

Hackers target mostly high value website (looks well-built website but full of security flaws) eg Amazon, Sony, Blizzard, Paypal.
These were the site i used to visit, i remember i had my debit card details on it,
few years later my card got fraud attempt.

Worse is i dont get any notification at all, but DBS Bank were good they just re-issue the card and the charges reversed.
Big banks too ages to just implement disable oversea withdrawal, disable adding into e-wallet, disable ATM withdrawal.
Wise and Revolut were like 10 years ahead lol
1024kbps
post Nov 9 2025, 01:34 PM

李素裳
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QUOTE(aurora97 @ Nov 8 2025, 03:35 PM)
I think going to a foreign country, the chances of your credit card being compromised is inevitable.

I was in Thailand Chiang Mai (Maya Square, along Huay Kaew road) on company trip and having drinks in a pub. They didn't use the usual "terminal" that we usually see in malls or restaurants. It look like a magnetic strip scanner, because half my card look like it was inserted into the machine. I didn't feel quite comfortable but went along anyway.

After I came back from Thailand, a few months later, there was a PayPal transaction for a few cents made (i think i posted in this UOB cc thread as well). The PME card I only used once in Thailand, I don't normally use for online purchase but I only make auto debit transaction to financial institutions or reputable providers in Malaysia. Also, I had the PME card for 2 years with no issues.

Nowadays, I ring fence my cards, some cards dont see the light of day like Zenith (I just keep in a drawer; I used specifically only 1 -2 transaction with a very specific payor). The PME card is used like everyday transactions (local / foreign). The World for shopping. Auto debits is with another card.

PME by far has the highest risk of unauthorised transaction, but at least is things go south, it doesn't bother my auto debits. My World card was replace not due to unauthorised transaction but the CVc number somehow rubbed off and dissapeared.  rclxub.gif
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Your card has 4 functions for transaction authorization:
Mag stripe (card swipe over the magnetic stripe)
EMV (insert to the bottom of terminal)
NFC
16 Numbers with CVC

Mag stripe has the lowest security rating but FI still using it for backward compatibility reason, when you perform transaction oversea, try to use contactless as much as possible.
I only use my googlepay in Taipei, their MRT card and cash. for the course of 3 years i have yet to see any fraudulent transaction originated from Taiwan.

I have different CC with different banks in SG,
All of the more or less same in terms of security function, So far HSBC can temporarily disable card functions until you manually enable it
Citibank can only disable oversea transaction. Amex disable temporary for 1 week.
Most of them can be done over the app.

Big FI are slow to react, most likely they favor stability, eg they don't anyhow add security functions to the card and app, UNLESS, pressured by government lol

Anyway, until now the Big FI security feature still lacking, if you ever used Wise or Revolut, you'll know what I'm talking about, they have most fine grained card security that Big FI are lacking.

This post has been edited by 1024kbps: Nov 9 2025, 01:38 PM

 

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