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Tuesday, December 16, 2014
[Somebody's gonna get hurt real bad...]
I first learned about credit cards at my first workplace. Back then, I already had debit cards and was happy with them. I never considered getting credit cards until my colleague shared with me the reasons why I should. Namely, they get way better discounts and rewards, and in case of fraud, you don't have to pay the banks the "scammed" amounts.
I took some time to research all the cards then and settled on two. I don't believe in having a whole bunch of cards. Ideally, we should just have one card, so we can put all our spending on the card and maximise the reward generation.
I took the effort to, as far as possible, charge all my spending to my credit cards. This included topping up my EZ-link cards with them. When I started doing this, the only good way to do this was to sign-up for their auto top-up facility. This service charges an additional 25-cents per top-up, so it's a no-brainer to select the highest top-up amount ($50). I linked my EZ-link to my UOB ONE, and had to get multiple EZ-link cards for this purpose because I didn't want the top-up to be executed after I've hit my limit for the month (this has something to do with how the UOB ONE works). I would time the auto top-ups to happen only in the earlier part of the billing cycle.
These days, machines that allow you to top-up your EZ-link cards with credit cards are appearing. I've seen and used one at Plaza Singapura. It allowed me to top-up my EZ-link card with no surcharges.
I then saw the same machine at a CC near my place. I proceeded to cancel the auto top-up facility on two of my three EZ-link cards, with a view to refunding them and transferring their value into my lone remaining card.
The cancellation of the auto top-up has already been executed. I'm all ready to get my cards refunded (can only do so one week after the auto top-up is cancelled) when I realised the machine at the CC is not exactly the same.
I tried using the machine this past weekend and at one point, was asked to insert my card into the machine. I looked high and low, but could not find the slot to insert my credit card. I even took apart the mounting bracket a little, there simply wasn't anywhere a credit card can be inserted.
I wrote an email to the CC folks. Hope they do something about it and get the machine replaced soon.
^^^ by Locksley @ 9:58 PM.
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