UOB one card

[zhxiaobian]

long one. There can only be 1 statement in a calendar month.

i asked uob CSO last year or the year before, the CSO told me otherwise, a shorter statement then a normal one month statement.

Since i can't meet eligible spending in shorter statement month so in the end i didn't change the dates of statement.

So in order to get valid answer to our question cannot ask official CSO anymore?

 

[Trazora]

i asked uob CSO last year or the year before, the CSO told me otherwise, a shorter statement then a normal one month statement.

Since i can't meet eligible spending in shorter statement month so in the end i didn't change the dates of statement.

So in order to get valid answer to our question cannot ask official CSO anymore?

lol, what to do

 

[maumu]

I'm so pissed off with UOB more and more. It seems like their services are going from bad to worse. And I am suspecting their business integrity. Their CSOs are really incompetent in addressing concerns and they don't take pride in resolving issues promptly and effectively.

timeline:
10 Oct - received a refund from an overseas merchant for $X
12 Oct - received an EXTRA refund from UOB (CR ** DISPUTES) for $Y because of the transaction dispute

$X not = $Y because it's an overseas currency so the merchant refunded in the foreign currency and it was converted into SGD, while the bank refunded in SGD.

the bank is supposed to claw back the extra refund ($Y). I called the bank last week to prompt them to do so and the lady promised it will be done by early this week. It was not done.

I web-chat their CSO again early this week, because I was concerned about my upcoming bill payment (which would take into account the refunds). I waited and waited...

lo and behold, today the bank posted the auto payment for card bill, AND it was for the WRONG refund. Instead of using the refund from the merchant ($X), they used the refund from themselves ($Y).

In other words they want to refund me $Y instead of $X. but guess what? $Y < $X . In other words, they intend to refund me lesser than what I should have received from the merchant.

I called a third time today and questioned the bank's motives:
- Why they did not use the actual refund from the merchant? the difference is $12 (in SGD)
- Why they did not post the claw back?

the CSO can only say he will 'escalate' to the team and said that the refunds will be posted again in my next bill which will be after 31 Oct.

I wonder if I should report this to MAS? Do they have a platform for customers to lodge complaints against banks? I'm suspicious that they are trying to pocket the difference by refunding me lesser than what the merchant had (and blaming it on currency exchange fluctuations). anyone experience such a screw up and mess up situation before?

I'm now very wary whether I want to restart using their card next month because it's a brand new cycle (Nov - Jan). the bank already made me lost my quarterly cashback for the current cycle (Aug - Oct) due to another refund incident (which caused my eligible spend to drop below $500).

 

[final1]

3 month spending rule is a hassle. HSBC advance is better.
But you probably stacking with one account so oh well….

 

[cuteboy92]

anyone knows if the conditions are more restrictive nowadays? I cant seem to hit the min spend despite spending more in similar ways in the past.

 

[Trazora]

anyone knows if the conditions are more restrictive nowadays? I cant seem to hit the min spend despite spending more in similar ways in the past.

yes, more exclusions recently. e.g. cardup/ipaymy/razerpay/singpost-sam/smoove excluded

 

[chiokcc]

yes, more exclusions recently. e.g. cardup/ipaymy/razerpay/singpost-sam/smoove excluded

Other than the above, I don't think there are any other changes.

Maybe becos past few months Govt top up U-save, and you spend less on SP bills?

 

[sellbuyboy]

Is 31st a new starting day for the new month?

 

[Trazora]

Is 31st a new starting day for the new month?

this card is based on statement date, statement date not the same for everyone

 

[neek44]

If I add my card to Google pay and tap my phone for mrt does it count for the simplygo bonus cashback?

 

[maumu]

If I add my card to Google pay and tap my phone for mrt does it count for the simplygo bonus cashback?

Yes, the transactions will still be tagged as BUS/MRT SINGAPORE SG

 

[undead90]

Does anyone know how it works when we request to change the statement cycle? I spoke to a CSO and she was not sure herself.
So my normal cycle ends in 12 oct and I asked to change it to end of the month. Does that means they will give me a short cycle 12 Oct to 31 Oct or there will be a long one from 12 Oct to 30 November before it goes into normal 30 day cycle?

Confirmed will be the shorter month.
My last billing cycle was on 14th Oct, and the payment due date is 02 Nov.
Today (1 Nov), I received another statement with a payment due date on 21st Nov and was charged interest (my original due date is on 02 Nov and Giro should deduct on 1st Nov).

For those who want to change their billing cycle please remember to clear your bill first, else you will need to waste time talk to CSO for waiver

 

[Trazora]

Confirmed will be the shorter month.
My last billing cycle was on 14th Oct, and the payment due date is 02 Nov.
Today (1 Nov), I received another statement with a payment due date on 21st Nov and was charged interest (my original due date is on 02 Nov and Giro should deduct on 1st Nov).

For those who want to change their billing cycle please remember to clear your bill first, else you will need to waste time talk to CSO for waiver

shorter cos u changed statement to start of month? will be longer if changed to end of month. The guideline is there can only be 1 statement in a calendar month.

 

[undead90]

shorter cos u changed statement to start of month? will be longer if changed to end of month. The guideline is there can only be 1 statement in a calendar month.

I changed it to the end of the month. The statement ends on the 31st and I receive my "statement" (Latest statement) today (1st Nov). The latest statement is from 15th Oct to 31 Oct. . My UOB one card spending got screwed up because of this.

 

[undead90]

i asked uob CSO last year or the year before, the CSO told me otherwise, a shorter statement then a normal one month statement.

Since i can't meet eligible spending in shorter statement month so in the end i didn't change the dates of statement.

So in order to get valid answer to our question cannot ask official CSO anymore?

The CSO is correct. Shorter statement month

 

[maumu]

idk why some of you guys got the shorter end of the stick... but mine was stretched beyond one month to the end of the following month.

so something like my original statement date is 10 Oct and it was extended to 31 Oct so the statement was from 11 Sep to 31 Oct.

 

[camholicx]

Is topping up of Youtrip card consider usage to attain the min usage of $500 per month?]

 

[Trazora]

Is topping up of Youtrip card consider usage to attain the min usage of $500 per month?]

nope

 

[undead90]

Confirmed will be the shorter month.
My last billing cycle was on 12th Oct, and the payment due date is 02 Nov.
Today (1 Nov), I received another statement with a payment due date on 21st Nov and was charged interest (my original due date is on 02 Nov and Giro should deduct on 1st Nov).

For those who want to change their billing cycle please remember to clear your bill first, else you will need to waste time talk to CSO for waiver

Updates. For those who are interested in changing their billing cycle. As confirmed by the online chat agent.

My quarter billing cycle will be

Trxn Posting Period Statement
13-Sep Till 12-Oct Oct
01-Nov 30-Nov Nov
01-Dec 31-Dec DEC

 

[Trazora]

Updates. For those who are interested in changing their billing cycle. As confirmed by the online chat agent.

My quarter billing cycle will be

Trxn Posting Period Statement
13-Sep Till 12-Oct Oct
01-Nov 30-Nov Nov
01-Dec 31-Dec DEC

think you mean 13 Oct to 30 Nov?