you will receive your refund, then in the end my husband very angry lah because after two hours then we, have to find another dinner, that's my bad experience with, foodpanda


okay pleasant place okay then for me okay the okay customer, service another telco okay starhub , okay starhub okay because uh we we are right now doing a, alternate work from home


from work uh alternate weekly so recent, I think it was two months back, two months back uh during the COVID period when all of us cannot go out we only can go out for our essential things, what, ridiculous thing happen is the internet


down and, on and off so my kids cannot do their schoolwork and then uh I cannot do my work and then we have to depend on our data, but then our data also on the phone also will be on and off sometime they will have reception sometimes they do not have the reception and then


uh what I did is I did call to starhub to ask for the, to make a complaint, what they asked me to do is as usual uh they will ask you to just on and off your modem, see whether is there any internet if not you have to switch and on and then like take out the wire leave it for three five minutes and put it back


so I did all the things that they ask me to, then it it've been happened for I think two days ya two days then after that, uh they was telling me okay uh they can't solve the problem the only way they tried the last, is to


change my IP address and then when they change the IP address they was telling it still cannot they have to put me to linksys so I was fast frustrated at the point of time because we do not have any internet connection and, our data are going up and up


and then we will be scared by by the time to receive the bill so what they did to they were like going one round to another, I mean transferring me to one end to another end then in the end they actually last result they will actually is uh put me to linksys to actually with uh do a check on my modem if not I have to wait for few days


for a new modem to come, so what they did is really they I was on the line for about almost two hours with them, so what they did is they transfer me to linksys, and, then linksys also tell me to do this do that do the set up then in the end they actually telling me that my settings are wrong


that was actually provided by starhub, so I make a complaint after linksys troubleshoot my problem I make a complaint to starhub, and then uh starhub did apologise to me lah but then they was telling me that, what they can do is they just offset twenty percent of my bill


I was quite disappointed lah because, with with them for more than twenty years that is my very bad experience with telco


oh on the modem


okay


oh so good lah


but at least you got one month rebate leh, I I got twenty percent discount


okay I have this uh bad dining experience uh ya just now I was telling you in the afternoon uh okay, I was in indonesia I was in Batam actually, uh we actually went uh it was the last day then we actually went to this restaurant to have our last meal before we


depart back to singapore, then uh we the whole family about ten of us we actually, uh thinking what to eat so we we walked in to one of this restaurant that we never been before because the picture look very nice there was #ayam penyet# style so what we did is okay we order the food


the service is damn slow uh, actually we when we order because the, we actually asked the waitress whether do we need to wait long so uh they were saying no no very fast one you just need to wait but in the end our food actually came about forty five minutes to one hour one hour


because, there's a lot of staff but I don't know why the service very slow lah okay and then uh first, of all that came is our drinks, so our drinks before our food came lah, come our drink then uh actually my drink we I actually ordered coke because I don't drink


I mean their made water in overseas I originally during those canned drinks so I order coke actually so when I open the coke right, I pour half, of the cup then recently I realised at the coke can the side way there are actually those baby cockroach


there's a baby cockroach at the can on the can okay we was so shock so what I did is I actually call the waitress so I expected that maybe she actually apologise to me or change a new, drinks for me you know what did she say she say oh


it's okay you can still drink because the cockroach just outside the can only, and then you can actually drink the water then I say what then you actually ha changed for me no I can't change or refund, you because you already open the can


you suppose to tell me before you open the can that you saw the cockroach you cannot right now I can't do anything then I was so shocked that I got these kind of experience lah because in singapore we are getting, if, it's in singapore I think you already viral lah the the somebody already come down to the restaurant and do a spot check already


it's a very bad experience lah for my whole family then when the food came right all of us don't really dare to eat lah then in the end, really bad experience lah we do, don't want to go to the restaurant already


waitress


bad experience ah so far my, bad experience only that one oh another one grabfood, okay our bad experience was in the office that time ya actually all of us ordered


food then one of my colleague, order this I think, Laksa, eh no no not Laksa #mee rebus#, #mee rebus# then after that the order came, and then it was actually, the noodle but not the gravy


, then, as usual lah we actually called them up to ask for refund all these they said then then my my colleague was then what I'm going to do this noodle there's no gravy, there's no gravy or no noodle, ya but then grabfood one point is uh they quite fast lah when we actually do a complain lah they will immediately do a refund on your order and then I think at that point of time


if I'm not wrong all of the orders is uh that order is free


review


the correct measurement


maybe they translate it wrongly because always they translate the other way round one


buying online still okay still got uh what else err this is bad review ah


insurance services oh okay I have a a insurance agent last time uh I think we we actually met at the roadshow lah but then uh was quite disappointed because, I think those on the roadshow side they will actually force you to buy the insurance then after that they won't service you lah that's why I I sometimes very hard to find them maybe especially when you already sign for the policy then they get the commission then after that they will MIA lor


two months


okay for me my best staycation holiday is in one of it is indonesia, okay uh it's at novotel hotel that, is in Batam, because I find that uh the level of comfort is very good and also their service


and their customer service they actually before we travel or before we reached the destination they actually give us a call first whether we need any transport, to go to their hotel, so uh then they will, actually will let us know is there any kids or elderly with you so that they can do a preparation or any food that your children or your family members or yourself that uh allergic to it so that they can prepare in advance this is what I like about their service


so the hotel is big and then it's very near to, the hub uh the ferry terminal and then that's what one point I like lah then, I find it's very secure, is because uh actually before we step into the hotel we were told to actually do all the check with the machine


to, scan us all this unlike other hotels in indonesia, and then uh each time if we go out, or come back they'll be a checking lah and then the, breakfast is good uh we liked my whole family like the standard of breakfast and the food given and the place is very spacious


and then uh, what else uh the location location is near the ferry terminal and there's a privacy also they will actually let us know whether, do we do we need anything during our stay or is there any one birthday or anniversary


then they can actually contact us uh we contact them, ya that's, one of my favourite, hotel in indonesia, so how about you Zuraidah


okay the next one is uh, okay how about the uh let, consumer electronics and gadgets okay uh I actually change I'm actually the fans of android for, more than twenty years


then I got a lot of feedback that, iphone is very troublesome they actually need connection to the PC then the, ringtone uh need to actually buy instead of android android everything we can actually download free and then use it


and easy but recently like this month I actually switched to iphone after so many years because uh I don't know why ah because android is android is good but then when it comes to two years contract the whole value drop, and then there's no more value


I used to buy the phone a few hundred dollars but then right now after two years I need to actually fork out about, I mean when I sell I can only get to three hundred bucks where, else android uh sorry iphone, uh surprisingly because right now I do


don't need to actually download or use, the application through the, laptop, in order to access to all the apps because everything can be done through the phone itself like example right now when I switched from android to iphone


they can actually asked me to download the app so that they can actually transfer the, transfer the contacts and the photos, instead of going through the uh the laptop, then uh ya and then it's good and then one point iphone the value is


very high even after two years like my kids are using instead of, right now I see like my kids are using for one year plus but the value is still there, so ya maybe I will go for next, iphone twelve the next time


okay, next okay uh, about e-commerce okay I recently uh due to COVID also I don't really shop online, but, after the COVID I actually shop like carousell shopee like example yesterday carousell


uh surprisingly because when I purchase, I actually purchase some cosmetic product, and then uh I was, uh as usual we usually will see the quality of the product through the review and the, seller review whether is it a authentic


item or not then, from there I order so then they was at actually telling me whether they want they need me to uh they deliver to me or, go by mail mailing but then I actually went to do a self-collection and so surprised about the


the product is good and also their customer service the service is good because she actually unlike other seller they were actually just, give you the product and ask you to use like this one she actually advise me, how to use the product and what should you should not do or what you need to do


then anything you get back to me was quite shock lah because I thought I will only get this type of experience when I go to shopping mall but then going buying things through carousell also giving me that kind of service, and then the next one will be the shop I also shop at shopee like I told Zuraidah


we almost everyday go shopee and shop, then, ya some of the review is good and then the customer service especially when you, uh ask or enquire things they actually very fast will reply you back, and update you


on your delivery all this, ya that's a good customer service


review


okay then about, food and beverages okay, because I go a lot of restaurant also, uh maybe the recently one okay the okay I'm not sure whether you heard this din tai fung, this restaurant they actually


give a very very good service, but then uh uh okay because I heard a lot of people was telling me they you are you pay for the service instead of the, food but, okay so far surprisingly is uh the food the taste is good, and then the quality wise ya and then we actually my son teach me a lot of hacks thing lah


to actually to get the cheaper one, then, and surprisingly their service is damn good like unlike other restaurant like this one ah before you put up your hand they will actually, ask okay you need this you need that, and, the place is very uh look like very Atas place and then


ya we we love to go to that place lah after first experience, so and the waiting time we go by the, waiting time we actually need to book, make a reservation in advance, and then they do have promotions over there and then


ya, it's a good experience at the restaurant, and then what else what else uh education


for the genki one sushi ya the people there also very nice uh ya


okay entertainment ya what entertainment okay actually after since the COVID ah we are hook, to this netflix ah , especially the korean drama okay and then uh, uh leisure leisure what kind of leisure like karaoke right now we do not have


any karaoke around uh, ya


oh ya the the this uh, our provider starhub ya because I I called once called them uh because my contract is up then I call them because usually every two years we were actually got this, voucher thing to actually offset for my phone then recently it was actually a bad experience but then it actually turn good okay because I actually did complain because the usually the when I call for this re-contracting


the customer service one point about the customer service in starhub ah I think there's a lot of filipinos ah and sometime I don't understand what they are saying, they was actually she knows that I'm a very a regular customer but then I told her that, every two years I usually get these so called voucher to offset for my phone


and then, she was telling me oh there's no longer this kind of thing but then, after I make a hoo-ha about it they actually give me this so called fifty dollars voucher, even though, ya it's a


bad experience but then uh they actually try to calm me down and then they actually say okay if you have the fifty dollars voucher the next one uh if you do a re-contract your now I will actually offset another hundred dollars, on your bill on your next bill so that you can actually


get more, of the saving and like what I say like the last two years ago that I experience, but, okay I hope their customer service will change


ya very good experience ya


part one finance


uh, do you still do you still uh having the DBS treasure account with DBS


, but for myself uh regarding the DBS treasure experience what I have is uh, when I was uh with my previous company, uh what I like about their service is that uh for example when we used to travel overseas for for work uh we have this uh DBS limousine service and then we we can enjoy their DBS launch at the airport uh with good service and


even with uh their staff coming to serve you and even last minute exchange of uh phone currency with a a better slightly better rate than in the airport this is what I liked about them


oh okay


okay, so, how about your, oh okay sure no problem that that is a that is a complimentary lah I I would say ya okay then


okay but to for for your for your DBS uh treasure account do they give you a better interest rate or or or normal interest rate I presume it would be a better interest rate, oh okay


oh okay, oh okay


oh, okay, oh okay, but but your treasure account do they provide you with any uh credit card


because for my my side they they gave us uh this american express uh black card which uh I've I've used it a few times but uh I find that is not that uh convenient because not many retail accept AMEX uh I still find that I still find that the


VISA or even master is is still better because it's err widely accepted so you know easy for us to, accumulate points but uh, and, I find that AMEX is is not that as as convenient as the VISA and mastercard


how about yourself, oh okay


oh okay then how about okay


it uh I do have uh UOB one account I find that is uh ya, is quite quite quite a good account whereas uh, if your salary is credited to the this one UOB account they with a minimum spending of credit card of uh five hundred dollars or with a three GIRO uh application they will give you a slightly better interest rate


and they give it to you monthly so I find that this is quite convenient because I don't really, monitor my account so as such I think ya it give give me ya lah to buy coffee


but I believe uh, but I believe they have lowered their interest rate recently because of the global interest also coming down quite drastically I think


you still maintaining with one account


oh okay but uh, but I find that uh (ppc), one thing good about them is that they they waive your annual fees uh, whenever you call in you know so it's quite


I find is is good it's kind of good service you know at least you you have a monthly minimum spent with them and whenever you just call in to, to waive the annual fee they will waive it for you uh without any question


uh even, I'm hold I'm, holding the one uh one, one account card lah, ya


dining shopping even cash rebate, , okay


ya this card will will will still give you points right you are not tied to any miles uh claims of miles or


ah okay, , maybe soon ah can go to hong kong soon they are opening up the what bubble travel you know


hopefully lah at least you know somewhere to go, won't get trapped in singapore, of course nowadays all about cashless


having a ATM card I think is still uh important for them you know to deposit their #ang bao# money or even you know pocket money extra pocket money to, to to create a good habit you know


also with this credit uh with this uh bank account card that they hold individually they can monitor their own accounts monitor their own uh money flowing in and out and then they can monitor how much they spend it's a good habit


ya because that, okay but


that it's for the security reason lah


okay, do you have do you share


okay but the how about recently do you uh get any receive any calls from the bank asking you to invest in whatever unit trusts insurance or whatsoever


okay, okay


okay but do you have, but have you ever bought any products from the bank investment


insurance


but I find that but I find that banks people who work in the banks uh the turn, turnover rate is very high so probably you buy from, A now maybe three months down the road you won't get to see him ya ya I won't be able to get him you know what if I have any issue with my policy you know then I would I would I won't be able to get the same person who served me so I find that for insurance


products or unit trust, I would say I will still prefer to go to, you know, the financial institution like you know they that they are specialised in in the particular products which I think they will be able to serve me longer and they will be able to know my needs and requirement


because banks I would say that they are just selling you a product, ya, same lah for financial institution they will they are also commission based unless they are they are financial advisor that can sell you all kinds of products


so ya but for for this kind of products I will still prefer to go to, you know uh, stick to the traditional methods lah


okay


you didn't call them back I thought you said she rescheduled you


ya like I said you know they are, they are individual you know, if they were to pass you to another colleague they might have missed the opportunity of uh, but to them is individual they are not working as a team probably


okay but anyway, uh we are going towards the digital banking you know, probably a lot of things we can do online, we don't have to go through individual we probably have to just go digital


ya


ya so far but so far, our experience with the bank I think should be still okay lah except the you know , ya but, but recently because of COVID a lot of branches are are not open only only recently they open up some so


you have closed down your DBS account right


!wah!, if you are still open the with with the DBS treasure of course uh probably you don't have to queue to go in


wealth management


oh your loan is housing loan is with uh OCBC


twenty minutes fifty twenty one minutes


part three negative experiences


oh okay


but but in the end did the did the salesperson the the actual salesperson uh come back to you and uh, talk to you about the car or he just leave you to the replacement salesperson


, oh okay, but then then again then again you can always talk to another salesperson lor since since since you are you are already there at the showroom you should actually talk to another salesperson and talk to him see whether he can serve you instead of


uh the initial uh sales girl, oh I see


, okay, for me I mean uh recently I just uh encounter some


some bad service you know when I call in one of the tuition centre to to enquire about the tuition uh for my daughter uh, initially the person that talk to me actually, uh he don't seems to you know uh kind of uh interested to explain to me because maybe it's really quite late into the year so quite last minute so I actually wanted someone to uh list uh give her a one to one tuition service


which uh he the the person on line doesn't, seems to be interested in telling me he just tell me to you know go to their website and go to certain page and look for particular topics and, look for whatever I want so after searching the website I mean uh he gave me the website I I went into website I search for the page but in


in the end I still couldn't find what I want so finally I I I got to call them again, and uh, uh this time round another person talk to me so he managed to to, to give me a some


uh, numbers to call ya so I call the particular teacher and I managed to get hold of him to, to give her some uh final you know one to one tuition service so I find that


these are these are these are people that you know we if you are not not really happy, working or not really happy serving servicing other people then you shouldn't be on the front line, ya


so I mean if you are in the you know front line service industry or what, you call that customer service the basic basic uh need that you, have to is courtesy patient and then have the at least knowledge to guide the customer around so if you don't have all these I don't think you are suitable to be in a customer service but of course I didn't complain to to the


company ah I just I just find that this particular person is not suited to be the customer service of course if I, I don't think so lah I don't think so I think he she is a customer service officer lah so probably is uh near to the exam period many parents call in


he's busy answering calls from parents so maybe that makes her behave that way hopefully she, she she she will she will become better lah I'm I'm not sure about that


other than this I don't uh really encounter a lot of uh bad bad services ya, oh ya ya I I I heard you were saying telling me you wanted to visit the dentist right


okay


I think if it is uh hurting you I think you should seek the second opinion with the another clinic


oh okay, (ppc), , for myself another kind of bad service is the hard selling I really don't like visiting you know


uh spas, facial services you know I find that whenever I visit such places this this uh salesperson is very, kind of uh into hard selling they will keep telling you to


sign certain package they will keep pushing you to sign package with them and telling you, how how uh economical you know, for you to sign a longer package uh bigger package so that you can enjoy more service but I find that signing a package nowadays is quite


uh risky because a lot of uh you know businesses go bust you know because of, you see COVID nineteen then no one expect such thing to happen and it happen and a lot of business go bust so when if we were to sign a long term contract or package with them and if will they were to go bust so where are we going to seek


uh you know compensation ya is you will be very inconvenient you have to go through all the legal, legal aspect of it you know so these are I would say this kind are considered bad service ah I mean you can try to sell to me but if you find that I'm


quite uh you know don't not interested in getting on the package then you should not be continuing selling me, your package so I find that I'm there to enjoy certain services like facial or even massage but I wouldn't want to keep listening to you telling me


what you can offer you know, oh ya, ya for me I never experience but I only go for just cut cut and go ten dollar service


better better better shampoo


luck


ya another service uh you know another experience that I I had recently is uh I went to uh have my lunch at the one of the restaurant chain restaurant you know selling those #xiao long bao# you know


uh don't I I don't know I is it because of uh COVID situation I find that their services has uh getting worse, so you book, ya maybe is short-handed or because of the space uh you know restrict uh restrain you know we cannot sit too near together so some of the tables have to be close so I find that their service is very lousy as in you know they serve you


fast and, they want to clear your table fast so that they can serve another new customer so you know uh they just want you to quickly finish your meal and go so it's just like going for fast food you know even you go to fast food restaurant


fast food restaurant they don't chase you like that, but you go to a chinese restaurant to have #xiao long bao# and then you want to have a chat with your friend you know but they are already standing behind you waiting to clear your plate, ya


ya ya so you know is is like you know uh you don't totally enjoy eating there anymore, become become so hurry you know uh is is you don't enjoy the ambient anymore so the service is lousy they they want you to to finish your food fast and go so you might as well go to the mcdonald's and and


and have your meal there they won't come and chase you so, maybe but perhaps this is the COVID nineteen ah maybe after COVID, it will become better I'm not sure but uh, I'm not sure about you do you experience uh the same when you having meals outside recently


(mmhmm)


selective lah it's not it's not they are they are being selective they don't want to look at you


, but but if it is shorthanded I don't think, this will improve lah it will get worse lah


, not that a lot because uh, when you travel you know you you, you you


oh, really


okay


took about twenty one minutes


positive experiences


okay but for me I would say that the the the good services that I experiences is usually the finance and insurance services especially, you know uh I have a a case like you know last two years when I travel to


uh oversea I bought this uh travel insurance you know whereby uh while I was oversea uh, I fall sick and I seek the medical treatment and when I'm back in singapore


immediately I informed my insurance advisor who, who


submitted the claims promptly for me and I I did get back my, reimbursements quite quite promptly I would say so not only this uh of course maybe it's in his uh kind of service he need people to recommend


word uh recommend the referral to him that's why of course he he give us a very good service, so, uh, ya ya of course he will meet up with me every every six month to to one year during my birthday you know he will


he will send me a birthday wish you know, he will, ask me out for a a meal ya ya I mean at least at least he updated about our, our our daily life lah you know what what we are doing he will want to find out what we were doing are we doing okay you know do we face any problem


of course he would want to, have more business with us lah and of course I I bought I bought the quite a number of policy with him uh including my children's policy educational endowment plan (ppc) investment linked plan whole life policy you know so


maybe I bought so many policy with him that's why he he really serve me well lah ya how about yourself do you have any insurance agent or advisor that is serving you that you think uh uh giving you good services other than finance advice what others what other advice do they give you


oh but usually usually if the the agent change of agent they will they will usually send you a letter to to inform you, oh okay


oh okay


and also


oh okay, how about how about how about uh, you I understand you you like to go for facial service massage do you still go do you still go


bed are heated really


okay so


do you need to sign package or what, (mmhmm), (mmhmm), (mmhmm)


(mmhmm)


, ya this this this I mean myself uh I I don't I don't usually uh visit the, you know, facial or even massage I don't usually enjoy all these


but don't don't uh don't they uh use the hard selling method on you, oh


okay, so do you do you uh you used to


okay so, other than facial and uh massage uh recently COVID because of COVID I don't think you can visit these uh places for the past few months


okay,


, ah, so talking about good service I think recently because of the COVID nineteen uh the online shopping becomes a very very uh very convenient for everyone


so I find that uh one of the online shopping the uh NTUC online, !aiya! it's it's quite a good service you know you will just click on online whatever you want they will just deliver to your door steps you know with a minimum ya with a minimum spending of certain amount the delivery charges is actually waived so I find that these are also good service


do you do you order order your essential online or you do uh groceries uh


[orh], food, oh okay


ya but


ya I also recently I I actually purchase uh two ceiling fan from shopee you know in fact I wanted to to to buy KDK fan ceiling ceiling fan but uh on their website and I compare the prices with the shopee I find that the shopee is still slightly cheaper and it


it, ya ya I I'm quite surprised about that so in fact uh I ordered the two ceiling fan uh within three days they came down to my house and fix it, ya it come with free instalment and also extended warranty ya which I find that is quite attracting attractive you know uh


ya he is a he was a contractor for the particular outlet that I bought so, he served me well he fixed the fan I think he is a very experience uh technician he fixed the fan


really uh securely and uh, I find that they they are having a good service with cheaper uh price and uh, extended warranty and I'm quite surprised that I I bought it cheaper than


from the KDK website so far so good lah, see face to face ya but I think, it's because of the competitive environment lah I think I think it it served the consumer well you know if you don't if you you don't provide good service you know you won't get you won't get customer uh return customer I think that is one of the important factor lah


yes yes ya


oh redmart


uh so so far what I experience from the shopee is uh experiences is quite, quite quite uh I would say good you know as in their response is fast their price is is good service is good uh


ya, I I don't really shop online I only shop when when I need something ya I'm not like you you know probably you shop any everyday you know during your free time


okay


okay, but so far for me so far for me the online shopping experience has been good


maybe ya, K


of course, ya uh of course uh recently we went to uh hai di lao you know I find that the service is good the food is good ya


ya keep you entertained you know, ya


twenty minutes forty five second


part one finance, okay uh on the, finance uh we want to talk about the bank uh regarding uh DBS


ya I used to have this account with DBS treasure it's a it's a very good service I would say because of they give you a lot of privacies and uh very convenient you do not have to queue uh and wait for your in line when it's very crowded in the


POSB so when you go into the DBS treasure uh there is this particular counter girl she will help you with all the service and then uh she will direct you to a sitting holding room where you can sit and relax and have a cup of coffee and sometime there is also refreshment and then


after that when the, the RM is free they will bring you into the room so you will get their your all your service in there I think it's very convenient


oh ya, oh ya I remember the the DBS treasure that I have also the same thing they do uh have a lounge in the airport where you can have a rest and have a drink and refreshment as well but I think I believe the lounge is different from what you are, you what you have their is a a sort of a different


standard to it, I believe yours is a little bit higher than DBS treasure, the DBS treasure I is the entry level is only three hundred and fifty thousand, ya


and you can bring a guest in, yes correct ya beside this there's another, another good thing about this DBS treasure that I like is during chinese new year when we all busy changing notes ya this is the time when you do not need to go and queue up you can just book online on all the denomination that you like to have


and then fixed at a a particular date, with the bank and then you just drop by on that particular day to collect the notes and other than giving you all the the stack of new notes they will give you uh the DBS treasure red packet


I think that is a very good touch, for this service


I think so but the thing the thing about this DBS treasure uh something that I do not like is you have to maintain the three hundred and fifty thousand, uh uh amount in there, if not if you fall short ya if you fall short they will have a service charge which you have to pay ya you have to pay uh end of month if I'm not wrong it's a fifty fifty dollars for the service if you fall below three hundred and fifty thousand and then uh to renew the member you have to renew the member in order


to renew you have to spend twenty thousand a year you have to accumulate ya, that's why so uh after a, few years with the the DBS treasure I decided to withdraw because it's not easy to maintain that three hundred and fifty thousand in the bank and not touching it ya


oh is, oh


okay for myself ya we we do I was given a DBS treasure is a debit card, but uh personally I don't really like to use it because I don't really uh feel safe with debit card ah that's why I don't always carry it around because debit card if you if you were to lost it is quite dangerous because the amount can be just waived off


uh without any pin so I think is quite unsafe so I hardly used it, ya so other, ya other than the DBS uh treasure card how do you hold any other bank UOB how do you find UOB service


oh UOB ya same yes have it


oh ya, correct


there's an, ya another avenue to to earn some extras, same same I also have I'm also using the, UOB one account as well uh but my my


oh yes they use ya, correct, ya I'm using the ladies card I I'm using the


uh ladies card because they have a few card that they are used to accumulate the five hundred dollars spent per month so ladies card is one of the card that you can use to, uh to charge to the, credit card to accumulate the five hundred per month other than uh the salary that the other condition that they need you to fulfil is the salary part and the three GIRO so right now because of this COVID I lost my job and then uh


I'm doing uh, other job that uh salary is not that well because part of the the requirement for the salary fragment ah is to have a credit the salary of two thousand you have to reach two thousand in order to get that


that, interest fulfil the criteria of the five hundred dollars uh credit card with the salary the salary there is a minimum you have to get at least two thousand so now I have to try to find ways to get my three GIRO transactions in order to get the preferred interest rate


yes, what what card are you holding what card are you holding with UOB


one account so the the perk is more on uh dining, ya because my my credit card that I'm holding is the ladies card that is the card that a man don't get it only the ladies


meaning to say you won't the all the guys will not get this card this ladies card is uh, quite good I would say because a lot of shopping deals offer are being packed with this particular ladies card so you always get a lot of uh rebate


and discount uh on this card which is very good for me ya, yes you can, yes every every one dollar spent I if I don't remember wrongly I get uh two point five miles you can convert to miles but with this COVID I guess even if you compare convert it to miles you won't fly anywhere you won't get to fly


, that I'm not sure, ya


ya, beside these two do you think children should have uh their account children children should have their own card the ATM card


I ya


ya, I think I think ya I think it's very it is it's very useful for children to have their own ATM card especially when they reach secondary one because they will will start to go out with friends so it's always good to


have a card, with them in case they need extra cash then ya they can just withdraw, and not go around borrow and face dangerous situation, ya so when I bring the children to open their account and uh apply for the cash online card there's one very good


uh uh facilities with this uh children ATM card is they had set a maximum amount we can set a maximum amount for them to withdraw, so I set the withdraw maximum amount per day for them is hundred dollars so they will not be able to withdraw anything more than that per day


which I think is fair enough, ya fair enough for them, and beside children's account I think couple account is also very important


of course yes of course we share with a couple account household expenses can always uh come up from the joint account, at least you won't you won't face issue of I'm paying for this you are not paying or I pay more you pay less


you know such a thing and if the couple contribute the same amount into the joint account so when the joint you use the joint account to, to start to pay for the household items or pay for children's uh tuition fees and whatever you have so there won't be much conflicts there won't be so much conflicts in


who is paying more, ya


talking about calls calls from bank nowadays when I receive call from bank I am very sceptical because I do not know whether are they genuinely calling from the bank or are they some scammer so more often than not, I will not entertain any call from bank ya so it's it's better they will they can drop an email and uh let me read through


then I will see whether to get back I think it's safer because or by by call is is quite quite risky ah I do not know whether is it a real or genuine call


no because all this I'm not very sure about investment, so it's not my ya insurance is more on the the private market that like the, AIA and great eastern but not from the bank but I think bank is also quite


quite good they have they are quite good uh offer and deals from bank quite professional, do you


oh yes, you can't find him , ya true that's the one of the consideration


ya,


recent recently uh uh ya, needs ah


ya they are commission driven recently ya


ya, recently I had the err incident with, the uh one of the bank when I go in to uh close one of the account and uh want to enquire about my retirement plan so


she was actually busy the relationship manager was actually busy very very pack with schedule but she still want to keep me as a client so she by right she supposed to pass me to her colleague to do this uh evaluation


then uh end up she she try to keep me secretly so she reschedule which is I think is, not allowed and uh, eventually it didn't go through I didn't I end up I didn't go back to the bank to, to enquire


further about the product so I didn't get a chance to actually uh really understand all the bank investment product or whatever plan that they have, ya


uh she did call me, ya she rescheduled with me but uh it was on another day and I was busy so end up I didn't go back to the same, uh RM to do the


follow up ya, yes correct they they will miss opportunity but the bank would have closed the deal


correct correct so I think that is why she is she is looking at the commission part more than the the overall big picture for the bank that's why she she was trying to to keep me


so that I can go back to her but end up because uh the time doesn't matched and, end up I didn't get to, to talk to her again, ya


ya everything you can just check online, , you no longer no longer have to step into the bank to do transactions everything is on on the handphone even the digibank or the the apps you can check your account balance you can do transfer and whatever on the handphone itself even buy investment


it's so convenient, , ya overall I would say overall is still good , still good ya


but, , ya, recently to go into the bank is very troublesome and there's always a queue to go in so I think go online go digi uh using their apps is very convenient


ya close my treasure because I couldn't maintain the three hundred and fifty thousand ,


correct but the thing is I think the treasure if if I am a person who do a lot of investment who who are very keen or very interested in , all the wealth and, that their product their assets ya all all these thing that they are selling is very good because their RM is very informative they always try to keep you uh give you a lot of information on what to invest and things like that but because I'm not a investment person


so a lot of the time investment advice given to me is like you know, uh I do not really I'm not really keen so that is also part of the reason that uh this treasure facility doesn't entice me it doesn't really apply


doesn't really suits me other than the the part that you need to, exchange for new notes that is the only thing but the thing is this exchanging of new notes is not only uh, DBS treasure are having it a lot of other banks are also having this facility it's just whether you get the priority in the queue or not


even UOB also they have this notes changing and POSB also have it it's just a matter of you need to queue or you can fix a particular date, to collect it at your convenience that is the only difference that I find


ya then beside these these two , OCBC bank and maybank are also not not not too bad, we have our, housing loan we took housing loan


ya OCBC, , I only have a housing loan with, them I think my my car loan, car loan is also with them


twenty, ya


part three negative, okay negative experiences I had do have a few recently I went to a a showroom for car selling continental car it was one of the


I would say not say the worst but bad experience because nowadays because of COVID you can't really walk in you have to fix appointment with the salesperson so upon fixing appointment with the sales I expect her


to be able to, entertain me when I reach, fifteen fifteen minutes before I reach she actually text me and say can I delay for another thirty minutes I'm already on my way there so what we did was uh to drive around a little bit before we step in so by the time I step in she's still engaged


and she couldn't entertain me, and uh very hastily she show us to one of the car that I want to look that and leave us there to explore the car by ourself, so after exploring the car and she still not back and you know seeing there are so many other salesmen standing around and


they can't entertain me while this particular sales girl is busy you know it doesn't reflect very well on this this showroom this this particular brand I would say, and ya and worst of all when we want to go for the test drive suddenly another person turn up another sales turn up and very


I would say because this sales this guy who took us for the uh the test drive he doesn't he maybe he doesn't have a cut for this commission that , may may happen so he's not interested in in promoting the car he do not tell us all the features and you know what is in this car and things like that so there are no there are basically no conversation during the test drive it's very bad so by the time we come back and


you know everything doesn't end very well so, I was I was quite upset with the this this service ah I would say coming from this this continental car brand quite reputable


yourself, ya, after the test drive yes the sales girl that I fix appointment with actually came back but I


think she she she is half-hearted lah I would say she is not very keen on I'm not sure maybe she maybe she she she feels that, I I can't I won't buy or what so she, is not very very enthusiastic in in doing the sales so it it wasn't a good experience very bad I would say


ya, to think that the ya, uh I think I think, ya


sales girl ya but I think they have a practice of if you fix appointment with this particular person you are her client, so she ya things like that I think it's because of the commission thing so so end up that's why when I was waiting there are a few other salesman sales ladies are all standing around it's like you know chit chatting and I am here customer standing around waiting


I think I think it doesn't reflect well on the company, ya


details ah


ya, correct, service industry ah


, hopefully she hopefully she is not a tutor herself she will not have the patient


ya, ya, bad I I do have another encounter with uh bad service it's in our dental uh dental uh service ya ya


yes uh I had very bad experience with them this dental service not once not once this is the second time I had a very bad experience again this time round I actually called, the polyclinic to fix an appointment and I called during july and I was given an appointment in september late september


so finally after two month of waiting I get my appointment so when I went to the, polyclinic the dentist only go one round of checking of all my teeth, because I have a crack on the molar molar tooth there's a crack so I need to fix it so she checked through all my teeth without realising that there is a crack even after I pointed out to her that that I suspect there is a crack on the right molar she couldn't find it


so I pinpoint it out exactly the position then she take a detail check and she saw the crack and she refer me to NUH and, uh, after paying close to fifty dollars nothing done to my teeth and I was referred to another place and she told me to wait for two weeks and uh so that I can uh be call up by NUH to do a study on my molar and till now I'm still waiting


so I think I don't know when she's going to call me back I called I gave her a call on monday, just to be told off to continue to wait so I don't know how long I'm going to wait so I think this is very bad service at the least you can tell me after two weeks how long I have to wait so I know I have a rough idea whether to to


find a second opinion so now I'm still hanging, the thing is the thing is it's not painful no the thing is it's not painful that the it's a crack but is not painful but is is the food gets stuck so you won't feel comfortable you you know you had you had this thought that don't know is there food stuck not so you just want to get it fixed but it's not painful it's not hurting it it's not hurting


yet so I don't know uh ya, so I'll I shall see how long I have to wait but right now I categorises this as bad service, ya


, ya, ya, ya


ya, troublesome also you will be very, ya, ya


ya, this always happen this kind of service will also always happen when you go for uh hair to do your hair I don't know about guys maybe you are quite quite straightforward you all just cut but for girls


ya it will just just for guys ya guys just cut and go but for girls we have a lot of things to do after we cut we can dye our hair we can do highlight we can do treatment we can do


uh a lot of things so a lot of time I experience with uh these kind of hair salon and I hate it the most is I just want to do colour and a treatment, and then after that they will come up with do you want to use a better hair colour product uh plus ten dollars then do you want to use a sculpt protection uh or do you want to uh use a better shampoo


a better conditioner plus plus plus, , ya they can tell you a better shampoo I don't know what's the different and then they can tell you uh do you want to put uh a better hair treatment oil, and things like that so from a original sixty nine dollar uh hair treatment it can up by the end of the whole thing it can blow to hundred over because of all the better better better add and


add so uh you get hundred over dollars for a hair for a hairdo so this is something that I I don't I really don't like in, to see in our our service industry I think it's not very nice if you were to say hair colour is this amount is this amount


it should come with everything that should be in there I can't be doing a hair treatment without washing my hair I have to wash hair you cannot come and tell me do you want to wash you have to add another do you want to use this shampoo you have to add some more, same for nails when we go for pedicure manicure same thing and I really hate it so I don't do my nails anymore


and a lot of times when they do the nails I find it one of the very bad service uh attitude that the girls have the the the pedicurist uh and manicurist they they do is they love to chit chat and they can chat from one end to the other end to the other girl and then you know it's so


noisy and a lot of time they are speaking in a language that we do not understand and so it become noise ya these are all service little service thing that they should take note and can be aware of ya


oh


maybe they are short-handed


another round ya


in a restaurant ya, ya


every time you take up the last piece they bring the plate away


ya true true


, come to dining dining I'm I would say I more particular is, if the waiter or waitress are attentive enough so like example if our plate needs to be clear uh


I would say that uh if they are attentive and good service are being given is uh they will they they will see it before we signal for them to come and help us clear away those plate or, refill drinks and things like that, so I have ever encounter eating in a restaurant as well uh the teapot


obviously there are no more drinks and you know there is a very clear signal that the cap is already overturn it's a sign to refill and uh you can see that they are walking past how many times without noticing and you know


these are ya, ya that's why that's why these are all service that uh you know can be can be improved a lot I do have


ya and I ever went to, this uh restaurant they the way they serve you know, sometime they are they are very rough the way they put down the dishes is so noisy the the the the so rough you know the sauce will spill


and things like that you know I I also don't like it uh very bad service, ya and then uh this uh come to our uh, travelling in tourist uh attractions do you have ever encounter any rude or bad service before


even in if in our local local attraction local our local tourist attractions like maybe at certain certain uh


local attractions that you went to do you have you ever encounter any, I have ever encounter our local attractions uh bad attitude from the staff and uh not helpful ya, sometime ya sometime because like there are certain garden there are very big and uh you need the directions sometime the staff I am not sure is it because we they they expecting us local to


know where and how to go about it so they are not as friendly in giving directions and ya I have ever encounter, in one of our garden a very big garden and uh I was asking directions to go to the MRT because it was quite a distance away


so the staff was I think maybe they can sense that we are local and they they they had this I had this feeling that they are you know quite reluctant and unhappy to tell you directions and you know


uh things like that which I think uh it's not very nice in , although I'm a local I should roughly know but there are, still still, chances that we do not know how to go about and we need to ask when we ask means we need help and uh they are


not very friendly, and then uh beside these our tourist attraction generally I would say uh oh finish done,


positive experiences, okay positive experiences I would say uh generally singapore have, a lot of uh good service around maybe some time


we can experience good service in a dining area uh the dining sectors or retail sectors, I do have a few positive uh service experiences like uh there was once I me and my girl we went to this cafe at uh #tiong bahru# this


this uh particular waiter he was very uh, uh diligent I would say, he he he do take note that uh because uh just the two of us we like to have a quiet corner and he specially arranged for this uh uh very nice corner for the two of us and uh he serve us with a good food and good recommendation


that is very positive for me I would say he took the initiative, how about yourself


oh, did he


he did any follow up


quite standard lah


ya of course


, ya, ya so so,


I think, I I think my financial advisor is not say not not doing his their work but I will say they are more slack because I haven't heard from the agent for years


after I bought the the policy so I guess maybe this agent has already resigned and my policy has been passed on to agent that I do not know and this new agent did not really get into contact


with me so anyway because I, ya so I think the problem the problem could be I have shifted a few time


so maybe my address wasn't updated so recently again I use my handphone to go uh online for to register myself online for this all this policy so I I saw all my policies in there


so I I think I guess being a agent can be quite difficult nowadays because uh a lot of things are going online so since I don't get uh the service from them I go online and check by myself that also means I if I need to buy a new policy I can go online


I do not need the agent but anyway talking about, good service a lot of time uh nowadays I would say uh a lot of uh the the service staff they are all very well trained they have this standard uh way of handling people


so in especially in retail I would say nowadays the retails service standard has went up not like in the past when you step in the, salesperson will start to judge you I could say nowadays uh this doesn't happen uh that often


ya so, , yes ya I I I I love to go to these to


to pamper myself massage I would say my my massage uh the the place that I went to where they have very good service why do I say they have, very good service because every time you step into this area, they will not push you straightaway to go for the massage and then after that uh hastily ask you to go out because they will always serve you a hot drink first which is I think it's very important because you are going to lie down there for the next ninety minute they serve you a hot drink to warm up your body


it's a ginger hot ginger tea so and then they will say uh after you have finished the drink they will let you use the washroom then you go in for the massage then with the massage their bed that you lie on because it's a air conditioned room the bed that you are lie on are heated


so these are all small little details that are, ya it's a heated bed so that you won't feel cold you won't feel cold it's a heated bed so you won't feel cold then uh throughout the whole massage is you know soft music (Uh) very relaxing after you finish the whole procedure when you come out they will serve you a hot dessert


so all these are small little detail that contribute to very good service that they they take note of a lot of time when we go overseas we we went for massage we say !wah! it's very cheap it's very good but these are not good quality service they are just


very good price that's all but you come to service really service standard I would say these are really the good service standard that we are looking for, ya but of course it come with a price


ya uh usually if you were to sign a package it's cheaper by per session if you were to break it down if you go for just a la carte per session of course it's more expensive


and it's not really worth lah, I would say sign a package is better beside I going for this massage is a good service that I encounter another uh good service that I encounter is uh facial, because when we go into a a shop to do a facial we don't just want to clean up the face and that's it we want them to be hygiene as well especially at this this point of time when you know COVID is uh something that we do not know


so we need all the hygiene standard to be very high and this particular facial shop that I went to they are very they are they come to the cleanliness and hygiene standard is is very high, other than you know the standard taking temperatures outside the shop all these are very standard but when they go into the shop they will sterilise your hand the the


the beautician themselves are also all mask up and uh they constantly wash their hand and then wash the equipment, I think these are all all little details that we should take note of on service, ya these are all the girl stuff how about yourself


beside all these other than these kind of uh girl service that because you more often than not we don't only visit to one shop I will try a few different shop that's how I can compare the service whether they are


there there are certain shop that they do but , hard selling is ultimately whether they can push through or not is still up to the individual whether do I want to put my hand and put my signature down on that piece of paper if I don't want nobody can force me so it hard selling doesn't apply on me if your service is really good you don't need to hard sell I will buy


ya so by, by going to to different different shops then I can compare their service that's when I can decide which one is the best for me


ya, oh they have phase two phase two has already open they they they start


to uh start to entertain all these uh business uh I I do go back ya uh when phase two open but of course they they have very strict restriction especially on uh the number of people to be in the shop


so for facial I think for facial and massage other than uh properly mask up, uh this is the only thing other than that uh I think is not much affected because ultimately facial and massage is a one to one session so there is no overcrowding issue but massage I do encounter one inconvenience is because you have to lie down face down


they actually wanted me to put on the mask with while I'm lying down face down so I find it quite difficult to breathe uh, ya that's what they say so I can understand if you want me to mask up


uh when I am facing up but , facing down you have want me to mask up is quite quite difficult to breathe, so they do excused when you are facing down but when you once you turn around you have to mask up lah it's for everybody's good but facial of course I can't mask up


ya, and it's very fast


ya and, I I do online no, I I prefer to do grocery in the shop because I can choose and look at the product but I like online service are on


uh like household item or food uh not food not fresh food but uh clothings or electrical appliances and things like that at least fresh food I need to look at it I need to see and I need to touch


to to know whether is it really fresh then uh but for clothing all these is okay but I think it's very good because uh so convenient you don't need to carry carry back you know some of the item can be heavy household item like, detergent rice all these are very heavy so if you were to order online they can deliver for you to the doorstep and uh you can search for promo code apply promo code you get discount and things like that I think these are all very good


ya, !wah!


cheaper than the KDK shop itself, does it, it come with instalment


but how is the service of the the the person who come and install the fan


ya surprisingly now ya nowadays uh uh good service can also found online when we don't actually uh get face to face ya ya with the salesperson


I think to to to, to to detect good service online actually it's uh not that easy but it still can be done because I would say good service online is a lot of time is how the seller respond and how fast they respond ya things like that that is a the the part that we can see whether this service is


good or not and how they handle especially uh it's a faulty product, how they handle it are they trying to push the blame or did they just take back and give an exchange things like that I ever experience a very good online service uh from redmart as well they deliver ya redmart they deliver


uh to the house and uh at the, the fixed appointment date but uh I forgotten about it and I was actually not home and, for that particular uh order it was very large amount of uh item a lot really a lot of item so


he couldn't leave it at the doorstep, because it's quite dangerous it's too huge amount to be left there so he actually waited and I feel bad because I know these delivery men they actually are, very rush they they need to go from go to other units and uh deliver item so he actually waited for me twenty minutes to make it back home to receive the item


so I think this is also part of a good service that they that they can give


ya, do you shop on other platform just shopee or any other platform that you use qoo ten, oh, necessary oh


ya, I shop on different different different platform and I find that different platform , they they do give uh different kind of discount and it's always good to do a bit of homework to find out whether is there any promo code or any discount that uh or any credit card that can give you better discount


and things like that before you shop, but sometime when we buy online, a lot of uh a a, a few time you will find that the product that you see online and uh the item that you receive is actually a little bit different a little bit different because sometime when you see it looks quite sturdy but when you receive is so flimsy


ah I ever have such experience as well but uh on qualification with, the seller some of them will really be uh uh apologetic that, the the picture doesn't really tally and uh some will offer you an exchange for other items but of course there are also


also, there are that is also but buyer's fault lah I would say sometime because we we didn't really read into the details or the reviews uh on the item based on the picture sometime is deceiving, ya


beside , ya because yours your item the fan is is quite standard lah I would say fan is a fan a KDK fan is a KDK fan ya


but for for for us girl because we buy clothings sometime the material you can't really see the material and you have to, to based after we we receive then you will realise that the material doesn't look like what it is in the picture ya


other than these I would say a lot of good service can be found in , uh, restaurants or eateries, have you experienced any


ya, oh ya they do a show they they do shows in the the waiter will do some trick and uh the on the noodle and swing it all around, ya and the the Sichuan face Sichuan #bian lian# that kind of thing the ya I think I think that is also part of the good service to entertain the customer and


beside that (uh) while waiting that is part of the good service, almost twenty one, ya


banking product, okay uh let's talk about savings account ah, uh, jerilyn maybe I share with you my my savings account that I have, usually maybank maybank actually has


this uh introduction for senior citizens when I reach age fifty so they changed my account to a privilege plus account whereby you earn higher interest because you are senior citizen, so there on I I put in more in my savings account versus the normal other banks because they only give us like a zero point zero two percent so every month you get very little


and then also that bank account your minimum requirement minimum balance is only five hundred, uh versus some other bank I know I know most local banks they are five hundred but there are some that are one thousand like OCBC three six O they have three thousand if you put your salary in there but they give you uh bonus savings interest


so I do not know about yourself, what you have, ya sure ya,


, , ya ya, , ya that was the main account last time a lot of singapore citizens will all have with the key logo ya


, , okay


, how does multiplier account work, I heard about it ya


which means you have to use their bank card to make the payment when you buy at sheng shiong, or fairprice, oh,


ah okay, okay, ya everyday card the POSB everyday card I have also, ah okay that is good right that one earn cash rebate ah, okay


, oh okay, ,


okay, , okay so that's good ah, okay it has the benefits I do not, I do not have multiplier account


but I have different I would rather say I'll have uh accounts with different banks because initial initially when I first started I was introduced to DBS that was the first bank after that I've UOB and then subsequently I heard about this maybank, whereby now actually most of my funds if I have surplus I'll put into maybank because it earn earns higher interest for those daily like uh whatever GIRO and things that I need I will just put with the with DBS


so one for DBS one for that for the UOB card was because at one time there was a promotion, uh with the with UOB for certain merchants especially UOB you know they have those that , uh the food ah the food merchants especially then when you go showing your UOB card or if you pay with it then they will give you ten percent discount


ah, then the OCBC three six O actually I recently learnt of it from someone else that when she credits in her salary then she will get bonus interest so I tried I tried that too,


O O OCBC, they have OCBC three six O but my friend she opened it earlier hers is OCBC three six five but I don't really know what the difference is so when I went to the bank because mine is like a savings account it's not a credit card I think her three six five is a


credit card whereby you spent on your OCBC credit card, and then maybe she earns whatever points and maybe some of those that you have you know uh cash rebate and things but because for me now I do not want to go for more credit cards, sometimes you come the year when the year comes you have all the annual fee ya


and then you have to call in for waiver if you forget and then the charge is already there because we are all using GIRO to pay, I have one only that POSB everyday card, I just use that they DBS actually give me the platinum card but I do not use it


because I prefer the cash rebates and you know cash rebates certain merchants like watsons right, watsons there are certain time when they have promotion they tell you if you pay with their everyday card you get six percent, ah apart from the normal three percent so sometimes they do have such kind of thing and then you can


you can also control and you know claim whatever cash you have in there to make your payments your purchases at watsons, uh not points the S value the money, ya dollar value because it accumulates what cash rebate right let's say if you buy hundred dollars maybe this merchant that will have this how many cents in there and then it just accumulates


ya right,


oh yes yes, it's true, that's right, , okay


, ah correct, yes yes I do that as well, I do that I have been using GIRO to pay all the while, in fact the last time singapore powers ah and they have this promotion when you use everyday card to pay they will give you certain in that certain rebate some kind of discount certain merchants they have you know when they first introduced especially right for that merchant and then if you join


that means I make my payment for my uh home utilities using the everyday card, ah but then the the payment for the credit card itself I will just use GIRO from my savings account, so as long as it's on that stipulated date for deduction or one week before you top up you have surplus funds you have enough funds that can do deduction otherwise the penalty is very high you know they charge you the finance charges


I got it before then I got it before finance charges and then you go to call in but they because they tell you that when you top, up your account like uh, less than five days before your GIRO deduction date it doesn't capture in so let's say you need two thousand to pay for your credit card right then five days before the due date I top into my savings account for the GIRO


but for the bank it doesn't take in five days before it must be like a week before, so that's why they charge you but after you call in to explain they will waive your finance charges


, , oh


, oh okay, okay right, oh okay,


yes yes sometimes you have to actually closely monitor our own accounts a lot of people they always say that oh everything by GIRO don't care you know when you go to merchants to eat and you eat at a restaurant right you go back I see a lot of people they just they just bin their receipts but from me I'll just keep it for a certain period you won't know what happen


ya ya, correct then you need to verify you know the bank will need you to show all these proof but sometimes I think these days the banks they are very good because once you they verify who you are over the phone your name your your ID date of birth whatever that they the questions they prompted


they can actually log into your account you just tell them oh like last month which date then this is the amount and straight off they can tell you that oh there is this deduction, I got it before last time when I went to, clarke quay, for our october fest and then I use my credit card


to pay for the first round of drinks but the second the first round we took it through the counter, but so I bought it for two of my other friends together and then the second refill uh we were seated already and then the the waitress came and then she ask you want another round I say yes so your payment mode I give her my credit card my everyday card


but it didn't come back to me instantly and we forgot about it because we were so joyful we were just enjoying ourselves only half an hour later my other friend told me eh she didn't return your card ah then I say oh ya hor so I ask her she returned it to me but that night when I came back I have SMS that I have uh


USD one dollar deducted from my account, so I I didn't understand why this USD but because I have my sister in US I ask her did you do any payment into my account she said no why should I use your credit card, and then I called the bank she told me this is not the only one that you have you have another from philippines hundred over dollars


(hmm), yes so immediately the bank also advised me I will terminate this card then I'll give you a replacement, ya but that cost a lot of inconvenience too because I have (ppc) no all my GIRO that were there so I have to redo my standing order


ya, even my insurance because certain payments you don't pay now, ya , that was (ppc), okay, (ppc)


ya, (ppc)


(ppc) , okay, , , oh (ppc)


so it's not by you, the purchase not done by you


, oh, but did you get product B, oh did you get the product B as well, oh you didn't


oh,


, oh ya, ya if a redo, (ppc), correct the standing order right everything need to redo


, what about FD do you do FD, fixed deposit sorry, , ace but it has a a certain duration that means let's say if you put one thousand for six months


like this there's certain bank they call it timed deposit, you know in the older days fixed deposit is one that is more secured and people will put in more money in there because you earn higher interest, but these days it is not anymore, so people


(ppc), six months or one year, ya maturity so during the time when you put it in let's say they tell you put five thousand end of the six months may be you get surplus hundred plus they based on percentage lah, so percentage is higher but you have to hold that that amount of money in there fixed deposit means you cannot withdraw anytime you want


ya so unless you have surplus funds and then you just park it in there I'm good for six months with that money in there then at the end of that mature you just credit back to your savings account whatever instructions you give, whether you want credit back to the the principle the main account or you just want to withdraw you can just give your instructions


I did a lot of that honestly during my younger days because that's the more secured one you know you have money you don't show where to, put you know so, uh to be honest is you know when we make money we have money it doesn't mean that money a lot money a lot is not enough everybody says but if it's your hard earned money you want the money to make money so sometimes I ask people and I asked the banks and whoever


what accounts can I put in if let's say now I have surplus five thousand if I leave it in my bank now the local bank I don't get a lot of money so some banks you know every month you look at the interest zero point zero two zero point zero four if you put across the board right all the banks that I have


universal let's say everyone I said I park one thousand there and then end of the month I just see which bank gives me more, because ah they go by the daily average balance, ya, so if you want to do an average uh equation across right you just have to make sure that every bank you put the same then at the end of the month you will know which bank give you higher interest


ya so after all this I still go back to maybank lah which I think maybank at least you can see a dollar plus one point two seven you know versus a zero point zero four , ya at least can buy buy a drink


okay ya okay, yourself sorry , , ,


, oh okay, but must it be very high value five ten thousand that kind, and


okay long period, okay, , oh okay


oh, okay okay, , okay okay okay but


, okay,


ya, but those investment are like sometimes high risk but I'm not a high risk taker so I always take those low then when it's low when it's low that means it's slow and steady so you learn earn little money a little time over time, then you can have more ya


yes, okay, no never mind you go ahead , I don't really do a lot of it unless uh friends introduce me to certain good ones that they think that it is good


but I'm also not very daring I'll just try oh five hundred first what is the minimum, no, ya try small ah correct and cannot be too greedy when it come to investment you will die ya really


ya it's true ya that should be I think that should be the way, but because for my age now right some some of the banks when they introduce certain, products ah you have to put like a minimum of three years or five years so I don't go for those, because I do not know what would happen


three five years later or whether I'll be around I don't know so I would prefer those like more short term if you tell me six months ya six months one year maybe I would dare to put lah right you tell me one K to three K I think I'm okay but if you ask for ten K and then I put for five years I cannot


ya , ya lah, ya ya sure you definitely eh you have a long way into your career and your future,


, ya okay ya that should be the way lah I think if you look at it longer term I think you will you will make more, as long as you have uh sufficient to park it there and you don't really need to touch that funds lah sometimes we just we just need to have some liquid funds and then some fixed ones some in case of emergency ah for raining days and then things like that you know nobody can predict anything right so anything can happen to anyone so


just go as we can I think, ya, oh ya we have to ya we have to we have to enjoy our life the same ya we work hard we play hard,


ya ya ya till the time you want to enjoy you cannot walk I mean for old age like people like us so we have to plan that way, yes okay so I think that I that is good lah at least have some good planning


negative product review, okay jerry I tell you something ah earlier what I told you right the, the positive actually it because it was because of this experience that I got online usually sometimes at night I cannot sleep so I got insomnia so I'll just play with my ipad and then I come across some not every night every night alternate nights and then


I'll play my ipad and then I come across some advertisements right, so certain days they always ask you press shop now or you play games halfway right and then it has this, advertisement pop up shop now then you are curious [orh] this thing is something that I need okay lah shop now I just go and see then I study the specifications and everything


so it was this website one of the e-commerce platform right it's actually not the big ones like those lazada whatever that's why I tell you after this this experience I tell myself in future don't go for any of these online in fact last time I'm not into online but ever since COVID right at times !aiya! don't know


ya just look see look see but sometimes the look see is temptation, , so because of that and because the last time I needed this uh, electric juicer so I saw this online, and then I look at the specifications for two hundred and forty watts okay right is fast enough because you look at it !wah! so like quite cheap eh forty dollars only


and then you look at the motor and everything you know sometimes illustration don't trust one alright you look at everything it blown up like three hundred percent the colours are so vibrant so nice then you're so attracted so but I look at the I study the specifications, to make sure that it matches what I want and then it it meets my needs so when I gone through I've gone through everything already I even consulted some of my friends


and then I ask them eh your electric juicer does it mean this one like that is good the motor like that so somebody told me eh you just make sure that the motor is fast enough don't buy something too cheap ah cannot move, so ya so then I look at everything okay it's according to what I want to some of my friends but I didn't study what the the website review and whatever you know I'm not so good into going into the very little fine prints and all so I just look at the price the product I want it can make what I want so I decided okay click buy


enter my credit card and everything so there will be an email confirmation to me to to us right so I got that email confirmation, it didn't stipulate when it would deliver but then it just confirm that there's a tracking number to your purchase


so I waited I I actually ordered like late august and then I waited three weeks nothing happen so I was telling myself, !aiya! online maybe from overseas lah maybe now flights cannot come in okay whatever reason because when they allow you to buy which means to say you key in your address and everything which means to say they will ship it to you so it did it didn't come and then after one month so I wrote back to the


that email that sends me the tracking number, I wrote back to him to ask when I should receive my item nobody responded then every week subsequently I just sent back the reminder follow the whole trail of the email that I sent


so I just keep sending (ppc) until one fine day, I open my letter box and then I saw an item in there, and then when I opened it up I took it eh it so light only then I was thinking and then I met my neighbour so I told her I I think this box is my electric juicer but I don't know why it so light


so she say ya never mind ah good thing lah it comes already right she said that time because I meet her I'll tell her, don't know why this juicer take forever to come so I opened it and then surprisingly guess what I got, it's just a juice mug


no electric thing nothing that's why it was so light it's just a cup a top cover with that sharp thing that you put your orange on it and then you turn turn turn manually that kind, then below where the juice goes down I have that kind last time I throw that away, how can I pay forty dollars for that kind of thing


so I took a picture I took the tracking the address and everything with that envelope and then I sent an email back to that person, but you see all the while I've been emailing him right but it's only one-sided you know he never respond to me nobody respond to me


I went back to the website to see the contact us ah there is no number is also that same email the at hotmail whatever so that's the only way I can contact so then I was asking myself goodness give me this thing I do not need because sometimes you buy online right they deliver the wrong thing you go back to them they are willing to give you the correct one


ya but for this thing it didn't come back and it's always a one-sided conversation so for two months already I waited nothing happen no reply, and then one day I decided I was talking to my friend and then she says you can call the bank


and then tell the bank because I pay through my everyday card right DBS so I decided okay I'll call DBS and I'll explain my scenario to them, so the lady who picked my call she says that okay we'll we she got all my details I say I you give me your email I'll forward whatever my correspondence with this vendor to you


and then I sent it to her the next day she rang me she told me miss ah you buy these item ah you order ah twenty second august eh now already when so long already how to claim then I ask her what do you mean so long how to claim what did so long so long that you mean I say I must give people


time to respond to my order right and then because it's overseas I waited three weeks I cannot expect overnight they deliver after I waited three weeks I email I wait another week, I wait another one week another two weeks so now it becomes like almost two months she says that we we only honour it when it is within thirty days


ya, from DBS and I was surprised and I was angry I was pissed off and I told her if you were me you order a product overseas will you just wait one month, delivery come delivery fails is not what I want


will you accept that so definitely you need time to write to these people wait for them to response then but how can all this be done within thirty days I asked her what, ya I ask her what kind of bank ruling is this can you ask your manager


I talk to your manager, I I challenge her I told her she told me ma'am it's not like that lah you encounter first time but to us we always have this thing I said are you sure across the board you are telling me every of your customer who write in to you to tell you you've got to tell them it's within thirty days


so I told her, I do not believe so if you can get your senior to talk to me let me tell her, what, I feel as a consumer why I felt cheated, so she says that okay okay uh you hold on first ah I will check then after she came back to me then she said ah madam I checked my supervisor already ah supervisor say okay you send the email we check again tomorrow I'll call you so really she called me the next day and then she and then she told me that


the ruling is because you make your payment through paypal, now they studied further she say you make your payment through paypal so you have to write to paypal, I ask her why did I pay through paypal I pay through my credit card


but she says the credit card, is that bank right but the payment is paypal, so she says that already check with my supervisor supervisor say you go to paypal you cannot come to DBS we cannot refund you


anything if not, ya but because I don't understand when I make my payment was through my credit card my everyday card but back end, ya back end they did say it's paypal


it's just that certain payment you pay them back end they tell you it's paypal but I don't understand, I don't know, but because I didn't pay paypal what I didn't I have paypal account but I didn't use my paypal value in there to pay


so with that it's really, ya with that it's really like you know you ding dong after two months you get the wrong thing and then I try to find paypal where to write to them, but there isn't I I reply back to that email that paypal used to send to me they say you have to code that amount that you pay your transaction right from the paypal but I have I do not have a transaction for this value in paypal


because obviously I know I didn't use paypal, so I got back to DBS and I told that lady again, that I tried, to write to paypal but there isn't anything on paypal sorry lah ma'am we cannot do anything okay lah I I got very pissed off I told her my friend who is ah who uses OCBC she told me ninety days she can still get the full refund


so I told her that your bank is not using the the universal standard, ya, right ya nine ninety days is reasonable because three months you ding dong ding dong up and down right you take time like for me if ninety days I'm within two months what I can still I can still


uh fight for it you know, but then too bad lah if I use their bank already then no choice so that's why I tell them that I I don't think I would go back to your bank lah but sadly I have that account I will just maintain the minimum that you have, ya


, correct


yes, correct but because, okay that's right,


ah ya okay, , ,


ya ya ya illustration only , , deviated


, reason being, oh


, , but they do reply


oh, oh, ,


ya not too good lah it doesn't leave something good, ya, , ya sometimes they always just give you tracking number, but tracking number doesn't show, doesn't tell you when it will arrive


ya it's just a number, ,


ya, ya ya the same thing that's why the lesson the lesson to learn from these ah I feel lah ha for online purchases right unless you are willing to forgo that amount thinking that the item will not come sorry lah like it's negative thoughts but I mean it's through my experience that I feel


if you buy something I mean I heard of friends who tell me oh you only wasted forty dollars you make noise you write to bank you put in so much efforts for it some people they say I order something three hundred never come so what like that day I was just sharing with my friend just blurt it out like that right, ya you say you forty dollars my three hundred leh then I say I called the bank lor he ask me why you think the bank will pay you


why the bank owe you ah, that kind of thing you know but I mean we try to track back, but because the supplier doesn't come back to us we have to find somebody who is the next person to ask, ya otherwise the money is really to waste you know so based on such kind of experiences I tell myself now on online ah I just don't order whatever I want unless I'm willing to say this item never come at all I just forgo that value money in the worst case lah


ya, yes, ya


, , , ya that is very real, ,


oh really they do that lah oh okay I don't know I don't I don't so, , , so I guess it's a lesson learn but then we we still I think some people will still not stop going online


they will still buy lah but it's just that what item you buy end of the day whether is really that kind of value that you think that uh you know I'll just cough out this amount and then I get it or not get it, that is fine, it's an experience lah


, oh okay, ,


overseas or locally, ah, oh okay, ,


ah okay yes, , , ah


no more stamps, (ppc)


, , , oh


oh okay


!wow!, you so patient ah, [orh], okay okay, ya ya ya sometimes lah


!aiya! all those always, ya always automated then you press press press nobody comes to you, I, always busy, ya ya (ppc), excuse me (ppc) they are forever busy


yes, , non-peak period, oh okay


that's why I've never encountered but usually bad experience ah, right not, ya, but so actually did they deduct your money deduct from your account or they didn't


they deduct but no stamps came out, ,


oh okay, oh to their live chat some they do that ya is to, !aiyo! crazy right just for a few cents


yeah so tedious, correct correct, ya, ya ya


send you the stamps through the postage post to use stamps post stamps to you ya something interesting right from singpost well


it's true, ya ya ya same for those telcos that we always call it's the same, sometimes when I call I hold on for that long ah then eventually somebody came to the line then I'm so happy ah, thankfully you came to me you know it's like that kind of exclamation right and then that that lady oh so sorry we have long queue and then she start answering to you


for whatever but the the the worst thing is after the long queue the person comes to your line and she cannot attend to what you wanted and then she just give you one sentence only eh sorry ma'am this one you got to go to the retailer, like that you know I say after I kill half an hour you tell me I go to the retailer so can you tell me which retailer then can you just go and google and find where is nearest to you oh where do you stay ah around #toa payoh# you have


these you have that that kind of thing sometimes they are unwilling to, to tell you a little more because ya because they think that, ya then they think that you can google you can check you can find where which which telco near to you which singtel retailer is near to you that kind of thing right but I mean just make me happy a bit lah I hold on twenty minutes for you and then you just tell me go and search for your nearby retailer and then that is the answer that I get


yes then end of the day they send you a survey to tell you to do the rating then after you have done that rating then they ask you why do you rate this, number


ya no I said based on whatever you can check back with your your attendant, whoever attended to me your consultant there ya so that is it ya, it's quite fun [lah] sometimes thank you


positive product review, okay jerry you I share something with you ah, okay the last actually two weeks ago, I make a call to I I actually needed a electric juicer an electric juicer because I want to do juicing every day


the celery juice so previously I had a juicer but it's a very complex one lah you know the big the slow juicer you pay five hundred over dollars but each day you juice right, you have so many parts of it to wash to dismantle and whatever so I decided on just a simple one then I was thinking where do I find I thought of courts I thought of best denki so it came to mind that oh maybe I should just call best denki and check with them and I really called best denki at Bishan


to to ask them about a fruit juicer whether there is something that is not so complex that I can use everyday easy to wash easy to maintain, and really this guy they they transferred me to a that division in charge of this, and then this guy came on the line and then he told me that oh we have this eh ma'am you are very lucky you know now you call because we have promotion so I say oh


what promo is that is that a good brand then he says philips what do you think you think philips is a good brand oh I say ya philips is definitely a good brand so what is the cost he told me ninety nine so what do I get for ninety nine dollars versus like you know the old juicer that I have five hundred over right


so then I was thinking uh maybe it's just a simple thing it's fine lah then he explained to me it's very easy to use you don't believe you come down I reserve one for you I show you how to use, I told him fine since I needed it I will go so I make an appointment with him I say tomorrow he says if you come and I'm not here you just look for my colleague then he give me his colleague's name because he say sometimes our lunchtime if you come three o'clock it may be just my lunchtime at three


so I said fair enough okay so at least I have two names right so with that in mind happily the next day I went to to the store and then I look for him he was actually there with another customer, so and then straight off when I and I went up, when I called him by his name and then he recognise my voice you know surprisingly then he said oh you are belinda you called yesterday right I say oh ya you still remember me ya ya ya because I detailed to you about the fruit juicer so I feel that he's actually very good you know as a salesperson right


ya remember my voice remember my name and then he greeted me by my name you imagine, sometimes you go you go for this thing you just feel that oh people remember my name !wah! so Shiok right and the feeling is like ya and then after that, he's a good salesman definitely and then after that he says sorry I'm engaged with uh this customer now okay I call my I call my colleague then the other girl came and then because she says she's helping somebody at the cashier to a payment so she referred me to another guy colleague from another division just the next next uh uh department and then that guy came


she says [orh] she wants the philips fruit juicer you show her he brought me to the fruit juicer the one that's already opened on display and then he went through with me the different parts, so I told him eh mister you go like that very fast you know you see your whole thing is already assembled can you show me or not how to dismantle this how to fix it back and he willingly do it you know just with one question


and then he took he took it out took out the cup [orh] you just remove this cup remove this cover this thing you click like that [orh] then you put it back then you on the switch okay already, so everything he shows me is very easy and very fast so I look at it and then I say that !wah! that's excellent man it's something I need within my budget and something that I can use everyday I can wash it everyday so the next question I just ask him eh heavy or not he say


no lah you see I one hand can carry I said !wah! you guy leh I aunty leh how don't worry lah you can carry we box it out carefully for you, and then the next he just added on that and there's warranty you know so I said !wah! that's good ah two years warranty so when I make the payment ya when I make the payment I ask her eh no warranty card ah no no need no need you just keep your receipt your receipt is the warranty card


and then uh when I make the payment the actual sales girl who was in charge after finishing with her other customer she came back to me and then she told me oh my name is this and then okay so this is the box that we have she was there with me at the cashier what payment mode do you want I flash her my everyday card


ya and then she help me with it so the whole process is actually I tell you tip top you know because I don't have to really go around and hunt and find where to find this where to find that and then straight off they tell me the pricing straight off they tell me what it has what it can do for me


all the benefits according to what I want, ya so I'm very pleased with it actually the next day when I tried on that and then there was certain things that I can't do I call them back and that lady who attend to me at the cashier she pick up my call and then she said [orh] you are the aunty who bought the fruit fruit juice yesterday ya


and then she told me then she says that oh err, the fruit juice don't worry as this one I said I don't know how to open it does it mean must like that then why is it I put in the celery juice ah so little juice came out only, it's like ah then is it because it runs like that and then the bottom part of it is very broad so I say all the celery went down to the bottom ah without cutting up the juice


so she told me ya she told me never mind you don't worry this kind of juicer is like that if you worry not enough juice right aunty what you do you just take it up the second round you just put it in again then you juice again, so I did it and then I save it lor so I still have a little a quarter cup left for the second round


right, , , , , yes, ya


, , yourself ah ah then what did you buy, , okay


, ah neon lights, neon lights ya, ah correct correct yes, , ya


[orh] that means if you play it louder than it will spark, brightly ah okay, okay,


, , oh so sad, ,


, , (mmhmm)


, okay, oh same function it serves that same function


different model different okay, ,


, discounted [orh], okay


ya and to your needs right, ya right, yes ya ya correct, actually sometimes all these first impression ah and people who serve you actually it leaves something very deep in our minds you see like for my case is the same so I know that if best denki or from in fact this is not the first time last time I used to go over to best denki to buy stuff as well


I mean versus uh others that we go to sometimes you do not know it all depends on that salesperson if he says he speaks something that touches your heart ah you don't mind going the extra in that [orh] okay it's okay I buy, and it's something that you need


so because it's either I buy from A or B company what so why should I buy from you when it is everywhere display is the same I can just look at the pricing anywhere without having to buy, right, ya


, yes, ya, correct, and you do not mind you do not worry that [orh] because some people if you go you buy off the shelf and then you go back if you are stuck with some problems who to call


you know like for my case actually she can she can easily tell me I was thinking if I buy it from philips right if she she doesn't care about my question when I call her she can just tell me that you call philips, correct because it is from philips but at least she bothers to answer oh why I encounter this problem why is it that is such kind ya and then it's it's like to her own experience is not just selling a product to you you are selling the benefits of it and selling what you know about that product how you use it


how it benefits you and then if you stuck with a problem right at least they can help you to resolve or give you maybe they come fully resolved if it's a technical issue but at least she gave me some ideas lah you know why is it like that like she can tell me that you can do it, ah


correct, yes so these people always leaves a very deep impression, from me and I would not mind going back to the shop again I may even though sometimes you are buying different things you meet different people sometimes I think they already had that training that you know besides knowing just the product like that you know you go to a physical shop because you want to touch and feel


right, ya then you feel it I like K then the salesperson tells you more about the benefits of that product that you need and then it falls within your budget so you just grab and go lah very easy like that right, ah ya ya


correct correct I think that that is good ya, , , ah


, , , okay,


, okay, [orh], okay


okay, okay and you forgot, [orh], angry [orh] unhappy okay


ah, [orh] okay, oh, ya lor ya lor they can deliver to the park


, , because, okay okay


okay, okay, ah, that's good


, okay, ah because it's a park ah, ya


oh because it's too big a place, okay, , ,


[orh], so you were just standing there waiting right otherwise they won't know who what at car park B then the guy who is waiting there is waiting for the food, okay okay, yes yes