Standchart eSaver

[ahnyaahnya]

Your first time taking part in special invite? You don't get the interst at month end.

They gave me a bonus interest on 29th.

I don't like that it's so difficult to get to speak to someone, anyone.

 

[Mickey01]

How do they calculate the interest?
Previous month closing balance was just a bit above zero
I'm on invite one.
I calculated balance x number of days + balance x no of days and so on.
Then I totally up and divide by 30 to find the average balance.
Then I multipy by % , then ÷ 365 x 30.
I arrived at $200+ .
But they only gave me $100+

Since u menetioned you received $100+ end of Jun, check your statement. I think there should be 2 line items of interest
1. CR Interest - this should be on base interest of 0.05% of daily account balance
2. Bonus Interest Payment from 1 Jun 2024 to 30 Jun 2024 - this should be the partial payment of 3.XX% based on ADB. The balance of the BI should be credited by 20th Jul 2024. The 2 BI credit should add up to $200++.

 

[ahnyaahnya]

Since u menetioned you received $100+ end of Jun, check your statement. I think there should be 2 line items of interest
1. CR Interest - this should be on base interest of 0.05% of daily account balance
2. Bonus Interest Payment from 1 Jun 2024 to 30 Jun 2024 - this should be the partial payment of 3.XX% based on ADB. The balance of the BI should be credited by 20th Jul 2024. The 2 BI credit should add up to $200++.

Thanks for the info.
Anyway, had just ( minutes ago) used part of it to apply for Tbills.

 

[Mickey01]

They gave me a bonus interest on 29th.

I don't like that it's so difficult to get to speak to someone, anyone.

This is precisely what most (if not all) organisations are doing;, to prevent people from "contacting and speaking to CSO at the very first opportunity" and now they changed the phone banking menu to prevent that.

THe "press 0 to speak with CSO" option is there for SCB, you just have to be patient and listen to all the options and not to skip and select the option before all are heard on the phone. It is right at the end of the options somewhere.

 

[ahnyaahnya]

This is precisely what most (if not all) organisations are doing;, to prevent people from "contacting and speaking to CSO at the very first opportunity" and now they changed the phone banking menu to prevent that.

THe "press 0 to speak with CSO" option is there for SCB, you just have to be patient and listen to all the options and not to skip and select the option before all are heard!on the phone. It is right at the end of the options somewhere.

I tried many times. Didn't t give me that option. One call was more than 4 minutes.
Each time I waited until the system tells me that I haven't chosen any option. And prompts me to go back to previous menu.
But I did get through last month.

I just found and checked my phone recording (of that call in June). The 2nd part of the BI will be in by 7th July.
But for subsequent months, it will be later , by the 15th.

Thanks for your responses.

 

[Squaredot]

my Exclusive Bonus for June is credited on 8/7/2024.

 

[Squaredot]

I just found and checked my phone recording (of that call in June). The 2nd part of the BI will be in by 7th July.
But for subsequent months, it will be later , by the 15th.

does your esaver interest tally now?

 

[ahnyaahnya]

does your esaver interest tally now?

I rang up again on 8th. The CSO said she will get the relevant dept to check, and that they would call me back the next day . But they didn't call me back.
I'll go check my account again.
Update: it's there now. It wasn't there when I checked at around 18:00 on the 8th.
Btw , how I managed to get through was to choose the option for report scam.
(After many futile attempts going through "account " and having no suitable option, then having to go to ,previous menu, original menu etc)

 

[ahnyaahnya]

Is there a limit to the amount that is applicable for the bonus Interest?

 

[marshmallow96]

I rang up again on 8th. The CSO said she will get the relevant dept to check, and that they would call me back the next day . But they didn't call me back.
I'll go check my account again.
Update: it's there now. It wasn't there when I checked at around 18:00 on the 8th.
Btw , how I managed to get through was to choose the option for report scam.
(After many futile attempts going through "account " and having no suitable option, then having to go to ,previous menu, original menu etc)

I understand this issue of unable to find a real person to talk to. In the end I did online chat, and the CSO in online chat taught me that to get to someone to speak to on phone, you need to do this:

Select credit card personal loan press 1 >> credit card press 1 >> statement balance press 1 >> read out via voice >> once fully completed, wait for the message that says "press * to speak to an agent".

I told the online CSO like wah lau how would anyone knows this trick to get to a real person zzz

anyway I find it's quite easy to reach them via the online chat, the only problem is that both the app and website are buggy, the chat bubble may not come out, so you need to keep refreshing until the bubble appears

 

[ahnyaahnya]

I understand this issue of unable to find a real person to talk to. In the end I did online chat, and the CSO in online chat taught me that to get to someone to speak to on phone, you need to do this:

Select credit card personal loan press 1 >> credit card press 1 >> statement balance press 1 >> read out via voice >> once fully completed, wait for the message that says "press * to speak to an agent".

I told the online CSO like wah lau how would anyone knows this trick to get to a real person zzz

anyway I find it's quite easy to reach them via the online chat, the only problem is that both the app and website are buggy, the chat bubble may not come out, so you need to keep refreshing until the bubble appears

The online chat CSO gave me 2 alternative avenues. The first one didn't work.
The 2nd one did .. press the number for report scam.

BTW, you have their c c ?

 

[marshmallow96]

The online chat CSO gave me 2 alternative avenues. The first one didn't work.
The 2nd one did .. press the number for report scam.

BTW, you have their c c ?

Used to. I had a Manhattan for almost 15 years but they didn’t want to waive my annual fee this year, so I was trying to call to cancel the card. That’s the background of why I talked to the online CSO

 

[sohguanh]

Used to. I had a Manhattan for almost 15 years but they didn’t want to waive my annual fee this year, so I was trying to call to cancel the card. That’s the background of why I talked to the online CSO

Can I confirm to cancel SCB card must talk to a real agent? I know UOB must as I use the app cancel I thought ok but cannot must still get through to agent and from her end cancel then counted.

This is also why I never ever opt for giro to pay credit card. Imagine they deduct the annual fees and I cannot cancel in time? Finally get through you wait for them to refund back take how long? Wow giro sucks big time.

 

[ahnyaahnya]

Used to. I had a Manhattan for almost 15 years but they didn’t want to waive my annual fee this year, so I was trying to call to cancel the card. That’s the background of why I talked to the online CSO

I don't have their card.

 

[dreamwork7878]

Can I confirm to cancel SCB card must talk to a real agent? I know UOB must as I use the app cancel I thought ok but cannot must still get through to agent and from her end cancel then counted.

This is also why I never ever opt for giro to pay credit card. Imagine they deduct the annual fees and I cannot cancel in time? Finally get through you wait for them to refund back take how long? Wow giro sucks big time.

I call SCB hotline.
Press credit card and , press for credit card waiver.
no need to talk to any agent.

A message from the scb bank apps is sent to me - the approval of the credit card fee waiver

i got the annual fee waived.

and i paid the annual fee first without checking the bill , later i ask for waiver, they still return me the annual fee and also refund me some kind of gst charge of 9%.
so no need to worry hor ?

 

[ctan84]

I call SCB hotline.
Press credit card and , press for credit card waiver.
no need to talk to any agent.

A message from the scb bank apps is sent to me - the approval of the credit card fee waiver

i got the annual fee waived.

and i paid the annual fee first without checking the bill , later i ask for waiver, they still return me the annual fee and also refund me some kind of gst charge of 9%.
so no need to worry hor ?

WAH you are still around ah. So how? When is the 5% interest rate for Tbill / banking deposit coming?

 

[dreamwork7878]

WAH you are still around ah. So how? When is the 5% interest rate for Tbill / banking deposit coming?

you also still around ah
yesterday getting longer, tomorrow getting shorter for people.
so how ?
with the shorter tomorrow, how long more people want to wait for 5%

what are you getting now?

lower people bid, all people getting lesser and lesser by the day.
thanks to all these people

 

[ctan84]

you also around.
yesterday getting longer, tomorrow getting shorter for you.
so how ? shorter tomorrow for you.
with the shorter tomorrow, how long more you want to wait for 5%

what are you getting now?

lower you bid, you getting lesser and lesser by the day

I never waited for 5%, you were the one. Every 2 weeks I build a T-bill ladder with at least 25k in each time for dun know how long liao.

 

[dreamwork7878]

I never waited for 5%, you were the one. Every 2 weeks I build a T-bill ladder with at least 25k in each time for dun know how long liao.

Hyflux lose so much money.
now energy price climb so high, but Hyflux died.
government dont want to save, pub take plant for free.

so no money to do ladder.
old liao how to use ladder? knee pain how to climb ladder.
old people use lift/escalator or just stay there dont want to move

 

[ctan84]

Hyflux lose so much money.
now energy price climb so high, but hflux died.
government dont want to save, pub take plant for free.

so money to do ladder.
old liao how to use ladder? knee pain how to climb ladder.
we need to use lift/escalator

Poor thing, how much did u lose in Hyflux? No wonder forever waiting for that 5% illusion to come true.