UOB dun lemme cancel my supp card. Say must keep the supp card and swipe 12 times else my principle card will be charged annual fees

According to the cancellation department, "Your card come as twin cards, hence cancelling any of the cards will affect the remaining card."

BTW, any EON credit card salesperson here? I wanna apply to use it to pay for my Car Insurance with EPP plan so might as well give you a chance to earn commission.

Sudah apply walk in. I do things very fast wan ok

I guess the best BT plan still public bank wan

Most ridiculous telephone conversation I have ever, with EON bank CS.

Me : Hi, good day
CS : IC pls
Me : ... *mood spoiled* gives IC number
CS : *bla bla verification question* Ok
Me : ... ok, so I would like to check my application status
CS : Your application for EON bank GOLD card had been approved.
Me : I didn't apply for a gold card? Mine's classic.
CS : It says GOLD card ms.
Me : Means it's wrong.
CS : It's an upgrade offer to you.
Me : Nobody called me for approval.
CS : Why you don't want a gold card?
Me : Cos I need to swipe for 24 times instead of 12 times for classic card
CS : You can cancel it in 6 months.
Me : But I've done a BT
CS : So you need to fully settle it before cancel.
Me : So I've paid interest upfront and I need to fully settle it just to terminate the card?
CS : That's right.
Me : My BT ties to a 12 months plan.
CS : Then you need to utilize the card for 12 months and cancel it.
Me : So EON bank is forcing me to use the card?
CS : You've applied for it.
Me : I've applied for a classic card.
CS : We offered you a GOLD card, it's an upgrade.
Me : What's your name please?
CS : ...
Me : What's your name?
CS : Keepa
Me : Did you know you need to introduce yourself instead of just asking for IC number and all those verification question? You didn't even greet me.
CS : Do you want to cancel your card?
Me : ....

Don't mix facts with assumptions.

Oh yeah, I forgot. Never argue with an idiot.

Quoting my post with lots of "yous" and say it's not a reply to me? Please change "facts" to "assumptions" as they were not "facts" to my case if you intend to educate people.

At least some ppl agreed that the CS is an idiot, which is why I stopped talking to her about that and went straight to complains to get my classic card back.

But I don't understand what you mean by joke and letting it all out, can explain?

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Added on April 18, 2009, 9:03 pmWhy can't I do a balance transfer if my monthly expenses (auto debit etc) is 3k monthly?

This month I itchy secured another property so I did a balance transfer for the fun of it

This thread is to educate people on credit cards, not passing judgments.

This post has been edited by suiteng: Apr 18 2009, 09:03 PM

Simple.

Every month I pay 3k to credit card.
This month I didn't wanna pay, so I BT'ed and use the cash which is supposed to pay for my credit card to book a property.
Then I flip the property and earn fast money.

What you mean by nice try? I really don't understand where are you getting at.

What you mean by transfer auto debit without a balance transfer which charge interest?
Interest for BT is paid upfront which is low. If I settle every month there isn't a single cent of interest they will get from me, so why keep me?

If you say they intend to keep me, my BT repayment is 12 months and classic card only needs 12 swipes to waive annual fee (1 auto debit = 1 swipe = I used it for motor insurance EPP). Upgrading me to gold card with 24 swipes just gonna make me cancel the card without thinking twice after 12 months coz of the annual fee. Where's the logic of keeping a customer?

And for your last statement, how can they get richer if they can't even charge me any interest every month?

You're assuming that I did not settle my payment (by saying that I'm still paying interests for credit card). The fact is, I always settle my payment (bank ain't getting any moolah from me except the tiny upfront interest).

Back to the main point, don't mix assumptions with facts.

Explain your bolded "facts" then.

You're assuming that I did not pay full payments and always pay late payment interest? It's not a fact. It's your assumption.

Which is why I said it's not a fact, it's your assumption.

Monthly interest and upfront interest does not have the same effect as the amount differs. That's a fact.

From your replies, it seems like you're mocking me to accept your so called "facts" even it's untrue.

How should it educate people when you draw your own assumption and call it a fact? Should I say, "Nice try"?

This post has been edited by suiteng: Apr 18 2009, 11:14 PM

Bolding your assumptions.

Firstly, learn how to separate outstanding amount and statement balance.
Secondly, learn how interest is charged.
Thirdly, learn how to skip those interest.

What you're saying in the bolded words are your assumptions that late payment interest must be paid by BT-ed bank. In my case, there wasn't any late payment interest. Capiche?

This will be the last time I'm quoting this and I'm not going to quote the words that you denied using again.
Are you still trying to deny putting your own assumption into the post and rendering it as facts?

This post has been edited by suiteng: Apr 19 2009, 12:15 AM

First bold, you've already got the definition wrong.
Second bold, I'll let others see for themselves how you draw your own conclusion when you can't support your "facts" anymore.

And a word of advice, there are ways to mingle with the loop holes in the finance world. If you don't know how, ask, you will gain something. If you're stubborn with your "facts", you will learn nothing.

Let me fix your "facts" if you intend to educate people.

Then your scenario is correct.

This post has been edited by suiteng: Apr 19 2009, 01:10 AM