UOB charge interest & late charge even when pay b4 due date!
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UOB really is very lousy, insensitive and unprofessional! They charge (1) interest and (2) late charges even when I made payment to the credit card bill before the due date. I paid one day b4 due date and called up the UOB hotline to inform the staff. STaff took note of what I told him, but when I received my credit card bill, UOB charge me for interest and late charges when I didn't make any late payment. Called up the hotline and made me waited for 20 mins b4 I was attended to. Staff told me they did not know that UOB charged me for interest and late charges because they are not able to see in their system. OH what shit is this, a big bank like UOB is dysfunctional and really unprofessional to the core!!!! Their service sucks! It is very infuriating to receive bill and ask for late charges and interest when I did not make any late payment! 
Besides the above, I was also provided wrong info. I was told I can accumulate as many unI$ as possible as there is no expiry date. Today, I checked it out and realised that that was wrong info provided to me. OH my god, can't UOB practise professionalism and good service as there are many competitors out there! I received wrong info on uni$ as a result without my prior knowledge I have not claimed my UNi$ rewards in the past. If by due date there is no claim, the uni$ will be forefeited. So only today then I know in the past my Uni$ was forefeited. OH, really yuan wang !!!! Really shit!!!!!
Calling all - think twice, thrice or consider many many times b4 u sign up for any card by UOB. They provide very lousy service! Not only are they lousy in their credit card service they are providing lousy banking service as well! I have terminated my bank account with them long time ago. -
im happy with UOB
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I always knew there was something fishy with uob. No wonder my folks didn't renew credit cards with them.
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Originally posted by ditzy:I always knew there was something fishy with uob. No wonder my folks didn't renew credit cards with them. Good if they continue to provide bad service then they will lose more clients. I remember there was also once they did something which was unprofessional I told them I am terminating the card, they offer to waive subscription charge for 1 yr!!
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Ah, you see, that's why they're charging you for the extras.Originally posted by rane: Good if they continue to provide bad service then they will lose more clients. I remember there was also once they did something which was unprofessional I told them I am terminating the card, they offer to waive subscription charge for 1 yr!! -
No, they claimed that their system did not reflect that I have paid. What sort of lousy system do they have!!! anyway, UOB is also not a good place to work! So far those I know who worked in UOB have left already, they said UOB is very "ngeow"!Originally posted by ditzy:Ah, you see, that's why they're charging you for the extras. -
The same system the old NKF nearly had. One that doesn't deliver the goods.Originally posted by rane:No, they claimed that their system did not reflect that I have paid. What sort of lousy system do they have!!! anyway, UOB is also not a good place to work! So far those I know who worked in UOB have left already, they said UOB is very "ngeow"! -
every bank oso like tt say oneOriginally posted by rane:I remember there was also once they did something which was unprofessional I told them I am terminating the card, they offer to waive subscription charge for 1 yr!!
i threatened uob, ocbc, citibank, hsbc before.......
when i say wanna cancel.......they will always offer to waive annual fee........ -
If I called starhub up and said I don't wish to renew my plan, will they waive my subscription bill for a year?
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unfortunately, this does not apply to ISPsOriginally posted by ditzy:If I called starhub up and said I don't wish to renew my plan, will they waive my subscription bill for a year?
if u are lucky, they give u some LCD tv or low-end laptop tt everyone else will be selling off in marketplace -
hey, every bank have their fair share of good and bad staff. Me Kana left right centre by OCBC, UOB, DBS, citibank, HSBC bank before. (I have a lot of dealings with the banks...) It can be advise wrong info, didn;t check properly, customer service officer not familar with product, etc etc. Once, a bank let a cheque go through even when the signature is incorrect! (But, can;t really blame the poor guy checking the chq signature. He have to go through thousands of cheque everyday!)Originally posted by rane: UOB really is very lousy, insensitive and unprofessional! They charge (1) interest and (2) late charges even when I made payment to the credit card bill before the due date. I paid one day b4 due date and called up the UOB hotline to inform the staff. STaff took note of what I told him, but when I received my credit card bill, UOB charge me for interest and late charges when I didn't make any late payment. Called up the hotline and made me waited for 20 mins b4 I was attended to. Staff told me they did not know that UOB charged me for interest and late charges because they are not able to see in their system. OH what shit is this, a big bank like UOB is dysfunctional and really unprofessional to the core!!!! Their service sucks! It is very infuriating to receive bill and ask for late charges and interest when I did not make any late payment!
Besides the above, I was also provided wrong info. I was told I can accumulate as many unI$ as possible as there is no expiry date. Today, I checked it out and realised that that was wrong info provided to me. OH my god, can't UOB practise professionalism and good service as there are many competitors out there! I received wrong info on uni$ as a result without my prior knowledge I have not claimed my UNi$ rewards in the past. If by due date there is no claim, the uni$ will be forefeited. So only today then I know in the past my Uni$ was forefeited. OH, really yuan wang !!!! Really shit!!!!!
Calling all - think twice, thrice or consider many many times b4 u sign up for any card by UOB. They provide very lousy service! Not only are they lousy in their credit card service they are providing lousy banking service as well! I have terminated my bank account with them long time ago.
So, always always:
1. Get the name of the officer you're speaking to, make them spell it for you.
2. note down the date and time of the call.
3. Ask if the particular call is recorded, if not, ask for a follow up email or letter on what was discussed.
Personally, I make it a point to compliement the officer if he/she had provided great service. I do that by emailing in. Usually, the officer will received some voucher/or some bonus performance points which counts towards their appraisal. -
Originally posted by airgrinder:hey, every bank have their fair share of good and bad staff. Me Kana left right centre by OCBC, UOB, DBS, citibank, HSBC bank before. (I have a lot of dealings with the banks...) It can be advise wrong info, didn;t check properly, customer service officer not familar with product, etc etc. Once, a bank let a cheque go through even when the signature is incorrect! (But, can;t really blame the poor guy checking the chq signature. He have to go through thousands of cheque everyday!)
So, always always:
1. Get the name of the officer you're speaking to, make them spell it for you.
2. note down the date and time of the call.
3. Ask if the particular call is recorded, if not, ask for a follow up email or letter on what was discussed.
Personally, I make it a point to compliement the officer if he/she had provided great service. I do that by emailing in. Usually, the officer will received some voucher/or some bonus performance points which counts towards their appraisal. hey, is it your course of work reequire u to deal with them? So far for the local banks, I hear a lot of compliments for DBS and OCBC and received many negative feedback about UOB.
I believe in giving credit when credit is due. I asked for feedback form from the customer service staff (in DBS)who served me very well and I gave her very good feedback. Told her this may help her in her appraisal. She was so happy and kept thanking me. 
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Yes, I have a lot of dealings with the banks both local and foreign. All banks have the good and the bad stuff. Even the popular citibank, abn amro, hsbc, have serious bad customer svc officers. But sometimes it's hard to pinpoint who is at fault. The cso have to deal with their fair share of super unreasonable customers. And banks may have to apologise to customers even when its no fault of theirs, as the customer may have a creditable amount of money with them.Originally posted by rane: hey, is it your course of work reequire u to deal with them? So far for the local banks, I hear a lot of compliments for DBS and OCBC and received many negative feedback about UOB.
I believe in giving credit when credit is due. I asked for feedback form from the customer service staff (in DBS)who served me very well and I gave her very good feedback. Told her this may help her in her appraisal. She was so happy and kept thanking me.
So it's true, you can talk the loudest if you have the more money. -
Originally posted by airgrinder:Yes, I have a lot of dealings with the banks both local and foreign. All banks have the good and the bad stuff. Even the popular citibank, abn amro, hsbc, have serious bad customer svc officers. But sometimes it's hard to pinpoint who is at fault. The cso have to deal with their fair share of super unreasonable customers. And banks may have to apologise to customers even when its no fault of theirs, as the customer may have a creditable amount of money with them.
So it's true, you can talk the loudest if you have the more money. so u think i am being unreasonable to get mad at them when I have paid bill on time and yet they charge me interest and late charges. Moreover I was given wrong info on UN$. Please be sensitive and objective if you wanna talk about facts! 
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u hv no sense on what was posted and blah blah blah! If u lack understanding and have no sense of reasoning I suggest u stop making any comments. What u said above is not really relevant!Originally posted by airgrinder:Yes, I have a lot of dealings with the banks both local and foreign. All banks have the good and the bad stuff. Even the popular citibank, abn amro, hsbc, have serious bad customer svc officers. But sometimes it's hard to pinpoint who is at fault. The cso have to deal with their fair share of super unreasonable customers. And banks may have to apologise to customers even when its no fault of theirs, as the customer may have a creditable amount of money with them.
So it's true, you can talk the loudest if you have the more money. -
sorry. I wasn't being sensitive to your issue. Guess what i posted was misleading to what you're experiencing.
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was there any late payment made before?
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You know... you just said you paid one day before due date by sending cheque I assume? Hello? you are suppose to send it earlier!
The due date mean the last day for the money to be paid to bank right? Do you know that it takes time for the postman to send the cheque you posted to the bank and also take time for the cheque to be processed? I think it will take about 3-4 days. So next time, send your cheque earlier.
If you are going to say if this is the case why don't they put the due date earlier or something, well there are other method of paying that includes going to their bank and pay cash on the due date itself. Now you see what is the due date for and means?
Calling them is useless, never give them the money on the deadline means never pay on time. -
Originally posted by digicharat:was there any late payment made before?
Hi, digichart and furbOriginally posted by furb:You know... you just said you paid one day before due date by sending cheque I assume? Hello? you are suppose to send it earlier!
The due date mean the last day for the money to be paid to bank right? Do you know that it takes time for the postman to send the cheque you posted to the bank and also take time for the cheque to be processed? I think it will take about 3-4 days. So next time, send your cheque earlier.
If you are going to say if this is the case why don't they put the due date earlier or something, well there are other method of paying that includes going to their bank and pay cash on the due date itself. Now you see what is the due date for and means?
Calling them is useless, never give them the money on the deadline means never pay on time.
I am always punctual in paying and they know about it. Anyway, I did not make any late payment and I even called and inform them I made payment by cheque one day b4 due date - I explained to them that I nearly forgot the due date so I sent cheque as I dun hv time to pay via AXS like I usually do. So I think it is definitely not right for them to charge me interest and late charges.
furb, what u mentioned is not justified. How u expect a customer to think so much if the customer already paid b4 due date then it is not considered late payment. UOB staff even said OK they will take note. Come on, the bank exists to earn $$$$ to serve customers and they are to fit in to the customers' needs and convenience and not the other way round. I stress again I did not make late payment and am not unreasonable - I was considerate to even let them know b4 the due date that I have paid via cheque and so don't deserve such treatment from them. If they require an earlier due date for cheque payment, then they should state clearly on the statement of account.
Furb, don't tell me if u are the boss of the bank, u expect all your customers to suit the needs and convenience of the bank. IF this is the case , then prepare for the bank to close down. Come on competition is so fierce among the many many local and foreign banks.
Anyway, I have made up my mind that I will stop using UOB and not have any dealing with them at all. I find their credit card and banking services are very lousy. Many advised me against banking with UOB or using their cards for their service is well known to be bad and UOB sucks. A friend told me UOB stands for U OWE ME, so dats y lor they charge charge extra to the customers !!!! -
Same thing. After they waive off late charge, i still have to pay interests for some reason. It a few dollars. I dont understand why every month they slap me with a $34 or $45 late charge for not sending my bill on time. But i alwayss thought that i send it way before that.
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Originally posted by luv me or hate me:Same thing. After they waive off late charge, i still have to pay interests for some reason. It a few dollars. I dont understand why every month they slap me with a $34 or $45 late charge for not sending my bill on time. But i alwayss thought that i send it way before that. hi, luvme orhate me,
wow, they are terrible to make u pay this way. did u ask them why they send this sort of charge to u?
Let's see if they will do the same to me or not. Thanks for telling me. Why they are treating customers this way don't they know competition is fierce among banks for the credit card business. Anyway, this was not the 1st time I encountered problem with them. So nothing's gonna change my mind about their bad service.
Have u considered using other credit cards from other banks? HSBC credit card is worthwhile to consider. They are offering much better than UOB. They offer $1 to $1, subscription for classic is only $36 per annum and needs 36,000 to waive annual fees. Provide free supplement card. When time is ripe I will switch to HSBC. Besides, this cardholders will be given compliment card which will allow u to enjoy benefit while shopping . -
i once missed payment by more than a week. i called the ocbc hotline when they sent me the bill for late payment.
they waived it out of goodwill.
go ocbc, go!!!! -
I think you need to pay by the due date, means you must ensure that the money reaches them by the due date..so actually they didn't fault on their part. It's entirely up to them and it will be purely goodwill if they decide to waive it for you.
But yes I admit their hotline service is quite bad. Some officers were downright rude. Having said that, there were two which shone. One her name is Sharon Kaur, another guy, Mrk (sounds Filipino). The others not very responsible, including this ah-qua sounding one. -
Originally posted by wallie:I think you need to pay by the due date, means you must ensure that the money reaches them by the due date..so actually they didn't fault on their part. It's entirely up to them and it will be purely goodwill if they decide to waive it for you.
But yes I admit their hotline service is quite bad. Some officers were downright rude. Having said that, there were two which shone. One her name is Sharon Kaur, another guy, Mrk (sounds Filipino). The others not very responsible, including this ah-qua sounding one. Thanks, wallie. Anyway, I have decided to terminate the card once the time comes. I have enough of their bad service. There are many other banks out there competing in the credit card business so I don't see the need to continue with them - UOB. They don't care to improve their service, don't care about providing good service to customers - it is their loss. There are other banks which care to provide good service, and I am giving these banks a try!!
Good luck to me and you!! -
Hello, dragg, thanks. Is OCBC good in their credit card service? They are excellent in their banking service.Originally posted by dragg:i once missed payment by more than a week. i called the ocbc hotline when they sent me the bill for late payment.
they waived it out of goodwill.
go ocbc, go!!!!