BOC SmartSaver

[frustrateddude]

@bumdssa
when card arrives,call hotline to activate will be immediate
if u sms, it will take days.
Meanwhile,hv fun with the ibanking interfere

 

[bumdssa]

@bumdssa
when card arrives,call hotline to activate will be immediate
if u sms, it will take days.
Meanwhile,hv fun with the ibanking interfere

thank you sir

 

[TribleBoob]

i have my account balance greater than 60k, but i am getting different amount of interest every month.
anyone noticed that?
I thought it is capped at 60k, so whatever higher than 60k doesn't matter.

 

[AMD_FREAK]

i have my account balance greater than 60k, but i am getting different amount of interest every month.
anyone noticed that?
I thought it is capped at 60k, so whatever higher than 60k doesn't matter.

Some months 30 days, others 31 days?

 

[hyperbole]

i have my account balance greater than 60k, but i am getting different amount of interest every month.
anyone noticed that?
I thought it is capped at 60k, so whatever higher than 60k doesn't matter.

above 60k still get base interest.

 

[TribleBoob]

Some months 30 days, others 31 days?

ooh, that might be the cause.

 

[bumdssa]

what's the billing cycle for your card?
those billing cycle close to the end of the month, how do you all manage the $500 spending? use debit card?

 

[Trazora]

what's the billing cycle for your card?
those billing cycle close to the end of the month, how do you all manage the $500 spending? use debit card?

Can always manage card use to meet both billing cycle and calendar month spending requirement.

 

[bumdssa]

Can always manage card use to meet both billing cycle and calendar month spending requirement.

billing cycle is no problem but for calender month, say if your statement date is 23rd to 22nd. very difficult to manage within the 7 days till end of mth.

 

[OngHuatHuat]

Last month interest from smartsaver:
1. Base interest : 14.61
2. Bonus interest : 116.77

BOC Shop bonus interest:
25

Total = 156.38

Thanks BOC!

 

[chuanz]

billing cycle is no problem but for calender month, say if your statement date is 23rd to 22nd. very difficult to manage within the 7 days till end of mth.

Mine's 23nd and I don't see the big fuss other than maybe the first month. Just accumulate over to next month spend lah.

 

[bumdssa]

Mine's 23nd and I don't see the big fuss other than maybe the first month. Just accumulate over to next month spend lah.

bro, actually what you say is true. i think i got confused.
only 1st mth will be affected.

cos 2nd mth onwards, if it is say 23jun to 22jun, can just lun till after 1st jun but before 22nd jun. but my phone bills comes after 25th. it is still workable if i can forgo the cc rebates. tio bo?

 

[hyperbole]

Mine's 23nd and I don't see the big fuss other than maybe the first month. Just accumulate over to next month spend lah.

easier to manage if yours is 23rd. mine is 18th so i only have 2 week window to spend to meet both the 500 spend for smartsaver and also get rebates for the cc.

i stopped using the cc already unless i have only 1-2 transactions that month that can make up the min spend.

 

[hyperbole]

what's the billing cycle for your card?
those billing cycle close to the end of the month, how do you all manage the $500 spending? use debit card?

use debit card also can't help cos the transactions need to be posted also, even though the balance deduction 'appears' to be immediate.

 

[chuanz]

Can be managed one lah, just need a little bit planning. Phone bill can aga-aga prepay if u want it die die within the month, otherwise just accumulate to next month spend.

BOC forces us to plan our spends prudently

 

[hyperbole]

Can be managed one lah, just need a little bit planning. Phone bill can aga-aga prepay if u want it die die within the month, otherwise just accumulate to next month spend.

BOC forces us to plan our spends prudently

difficult for me to prepay la. cos i claim my phone expenses from company. if i don't pay exactly, next month they adjust i have problems with the accounts dept again, have to go and explain why i'm claiming more than the bill reflects. they very blur one.

 

[bumdssa]

the interest is hard to earn in a way. haha.
so best statement date is 9th liao?

 

[hyperbole]

the interest is hard to earn in a way. haha.
so best statement date is 9th liao?

9th or 23rd is okay la

 

[bumdssa]

9th or 23rd is okay la

yours is neither. haha. i heard they decide on the date bss the date of application and approval? you remember the date you applied for the card?

 

[hyperbole]

yours is neither. haha. i heard they decide on the date bss the date of application and approval? you remember the date you applied for the card?

don't remember. i applied before they launched the smartsaver thing then they said cannot change the date.