UOB one card

[edwinttt1978]

Think it can be changed with another GIRO application

Certainly it can, along with another 4-6 weeks.

 

[Trazora]

Certainly it can, along with another 4-6 weeks.

Yea. Before the change is made no major issue to pay the remaining bill after the giro min payment

 

[Trazora]

Yup, more exact though plus / minus a day is common.

Better be exact cos 1 transaction posted late may mean big loss to rebate

 

[zoossh]

Better be exact cos 1 transaction posted late may mean big loss to rebate

Agree. 3 months of rebate and 1 month of interest.

 

[edwinttt1978]

Better be exact cos 1 transaction posted late may mean big loss to rebate

Absolutely prudent.

An even more prudent UOB ONE card member would certainly not leave such crucial transaction too near the cut-off date.

 

[edwinttt1978]

Agree. 3 months of rebate and 1 month of interest.

As the most prudent person here, would you risk transacting on the 18th in order to get the crucial transaction posted on the 19th, even though the statement date is 19th? Would your answer change even if the statement date is 20th?

The answers are obvious.

 

[zoossh]

Lol. I'm obviously not the most prudent person.

But I think the pitfalls are more important to watch out for than the benefits.

 

[wts2013]

As the most prudent person here, would you risk transacting on the 18th in order to get the crucial transaction posted on the 19th, even though the statement date is 19th? Would your answer change even if the statement date is 20th?

The answers are obvious.

I will always hit the spending limit at beginning of cycle, so this will not happen to me. However, shld it happen, I know what to charge to get it posted the next day. But that depends if those dates quoted falls on a weekend, hahaha, obviously lah

 

[edwinttt1978]

Lol. I'm obviously not the most prudent person.

But I think the pitfalls are more important to watch out for than the benefits.

Who else could have this coveted title of "The Most Prudent Person"?

But, it is only fair that benefits come with burdens.

 

[edwinttt1978]

I will always hit the spending limit at beginning of cycle, so this will not happen to me. However, shld it happen, I know what to charge to get it posted the next day. But that depends if those dates quoted falls on a weekend, hahaha, obviously lah

Same here.

 

[zoossh]

Who else could have this coveted title of "The Most Prudent Person"?

But, it is only fair that benefits come with burdens.

certainly not me.

anyway, a lot of people had missed that, it wouldnt hurt for people to see one more reminder, esp an important one. and if the burdens are not suitable for some people, they can be better informed and consider other deals more suitable for them.

 

[Trazora]

I will always hit the spending limit at beginning of cycle, so this will not happen to me. However, shld it happen, I know what to charge to get it posted the next day. But that depends if those dates quoted falls on a weekend, hahaha, obviously lah

Just in case something unexpected happen, maybe you can share what we can charge to to get it posted the next day.

 

[wts2013]

Just in case something unexpected happen, maybe you can share what we can charge to to get it posted the next day.

hahaha, u shld ask the expert here: edwinttt1978, I was just trying to write an "intelligent" reply to his post, hahaha

 

[edwinttt1978]

certainly not me.

anyway, a lot of people had missed that, it wouldnt hurt for people to see one more reminder, esp an important one. and if the burdens are not suitable for some people, they can be better informed and consider other deals more suitable for them.

People who consistently need reminders and tips will never learn.
Let it be a painful lesson for them to learn where it hurts most.
That is when they truly learn.

And if the burdens prove so much, so sorrowful for them to deal with, quit.

 

[Trazora]

People who consistently need reminders and tips will never learn.
Let it be a painful lesson for them to learn where it hurts most.
That is when they truly learn.

And if the burdens prove so much, so sorrowful for them to deal with, quit.

Giving constructive advice/reminder, is the key purpose of the forums. We can't help it if people choose to not heed the advice. But it does not mean we should keep mum and leave people to learn from painful lesson. I am sure there will be people who benefit from such constructive posts. Maybe you should be more constructive also when making your posts.

Also when others point out some inaccuracies in your post, it is for a good cause to avoid confusing/misleading others. Hope you don't get too defensive.

 

[edwinttt1978]

Giving constructive advice/reminder, is the key purpose of the forums. We can't help it if people choose to not heed the advice. But it does not mean we should keep mum and leave people to learn from painful lesson. I am sure there will be people who benefit from such constructive posts. Maybe you should be more constructive also when making your posts.

Also when others point out some inaccuracies in your post, it is for a good cause to avoid confusing/misleading others. Hope you don't get too defensive.

It is unfortunate the earlier post was not construed as constructive. The earlier post was intended as a wake-up call for these stubborn, lazy and always wanting-to-be-spoon-fed group of people.

The concept is easy. Fail to charge on time, lose all rebates, become wiser and the failure will not be repeated. That is learning. Learning through the hard way is the most valuable lesson if sweet talking and other cajoling do not work. For how else could these people truly learn?

And no, minor inacurracies pointed are not fatal and are no cause for concern. But we cannot help if people choose to be confused/misled, can we? Hope you dont get too obsessive with spoon-feeding.

 

[Trazora]

It is unfortunate the earlier post was not construed as constructive. The earlier post was intended as a wake-up call for these stubborn, lazy and always wanting-to-be-spoon-fed group of people.

The concept is easy. Fail to charge on time, lose all rebates, become wiser and the failure will not be repeated. That is learning. Learning through the hard way is the most valuable lesson if sweet talking and other cajoling do not work. For how else could these people truly learn?

And no, minor inacurracies pointed are not fatal and are no cause for concern. But we cannot help if people choose to be confused/misled, can we? Hope you dont get too obsessive with spoon-feeding.

Wake-up call from just a post? Ok, if you think so.

Agree people learn best from mistake, but I don't think it applies in this case. I'm sure many people learn how to get the rebate first time they use the card. The advices are meant for willing listeners.

As much as possible we should try to be clear and accurate?

Agree some people are asking to be spoon-fed, but by sharing information we learn in the process also. Sometimes I realized I understood TnC wrongly, only upon correction from others.

 

[sandwicher]

There there. Chill guys. Both have their valid points.

Sometimes, people really come here to be spoon fed and will never learn even if fed with the answers. The best way to teach them is through painful lessons.

For the sake of completeness though, try charging to NTUC, cold storage. These huge merchants tend to clear their credit card transactions daily.

 

[Trazora]

For the sake of completeness though, try charging to NTUC, cold storage. These huge merchants tend to clear their credit card transactions daily.

ok. Thanks.

 

[kokitty]

For the sake of completeness though, try charging to NTUC, cold storage. These huge merchants tend to clear their credit card transactions daily.

Actually just to err on the side of caution, it's not as simple as this. Although huge merchants do tend to clear their cc transactions on a daily basis, speed of it posting to your cc will also depend on your cc issuer and the merchant's bank.

Rule of thumb...

For UOB cards, if you need the transaction to post on the same day*, make your transactions with merchants which utilises UOB terminals and are known to clear their credit card transactions daily(Cold Storage, Guardian etc).

Conversely if i use a CIMB cc with the same above merchants, usually it takes 1-2 business days to get posted.

Same logic transferrable for other banks cc and payment terminals. For NTUC, it can get posted on same day* for with Citibank cards for branches with Citi terminals or OCBC cards for branches with OCBC terminals.

Online wise, DBS with qoo10 posts same day*. With most other ccs 1-2 working days... with OCBC, oddly it takes up to 3-4 working days LOL.

*same day excludes Sundays & public hols.