Tips to Boost your eBucks

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So I finally picked up my cards and stuff on Saturday.

How long does it take for the eBucks to activate? Does it only happen once my first salary is paid into the account?
 
You earn while you spend. You don't need a card, but it makes life easier if you want to spend the ebucks.
 
zerocool2009 said:
You earn while you spend. You don't need a card, but it makes life easier if you want to spend the ebucks.
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Yeah but what I mean is that mine says...

"You don't qualify for discounts.

If you are newly registered for eBucks and do have FNB products please note that it will take up to 2 to 3 days for these products to reflect on your profile and for your discount status and level to be updated."

And I want to know when that updates so I do qualify? And does everything I do now not count towards it or will it be calculated after the fact?
 
SauRoNZA said:
Yeah but what I mean is that mine says...

"You don't qualify for discounts.

If you are newly registered for eBucks and do have FNB products please note that it will take up to 2 to 3 days for these products to reflect on your profile and for your discount status and level to be updated."

And I want to know when that updates so I do qualify? And does everything I do now not count towards it or will it be calculated after the fact?
Click to expand...

what I know, if you are registered in now only ... you need a month at FNB to see the rewards as everything is dated one month in the past. Meaning, my earnings now for April is for my spending in March
 
Okay that's what I suspected.

I'll only panic around this time next month if it hasn't updated.
 
SauRoNZA said:
Okay that's what I suspected.

I'll only panic around this time next month if it hasn't updated.
Click to expand...

Don't panic please. FNB has a great rewards program ! Just make sure to use things like:

-> swipe credit or debit card at fuel stations
-> shop at checkers if possible
-> withdraw cash at Checkers / Pick and Pay

and if you want to earn more ... look into getting into investments.

There was a thread in the past where one make debt to earn more ebucks (that is just stupid).

All and all, do you home work. Reward programs are like doing breathing. Don't worry about you earn, change your life style and it will come by itself
 
Neo_X said:
Had a thought this weekend, seeing that FNB likes to change all the ebucks benefits quite so often.

Currently i find the most benefit by spending my ebucks on the 40% discounted makro vouchers (wide range of items in store), but should they take that away ,i am not sure where i will efficiently spend my ebucks.


Thus, my idea to future proof my current ebucks earn :

  • Earn as much ebucks as possible currently (shopping at checkers for example).
  • Every month, buy makro vouchers with all my ebucks (these are valid for three years)
  • keep the vouchers, eg not spending them, for as long as possible (2 to 2.5 years)


This will future proof against any possible ebucks store changes i think.


any possible drawbacks to my plan? only one i can think is inflation - eg the voucher wont be earning interest while sitting in my phone :P yes i plan to write them down for safekeeping....
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Ok so saw this post a while back, but didn't answer back, because I didn't get it to work just yet.

The other way I found is, to invest a percentage of your ebucks, into a flexi fixed deposit. This is the only way you can earn a very small interest rate on your ebucks, but at least its better than nothing. It is also the only other way, to turn ebucks in to actual rands, other than the shady trade deals you can make with those characters offering to pay monies for ebucks.

You guys can read more about it here: https://www.ebucks.com/web/eBucks/spend/invest.jsp

Once you do activate the flexi fixed deposit, and follow the rules required to get ebucks invested, it actually takes a little over a calender month (I queried this and they said it will take at least 1 calender month) to get activated, where you can then choose the % of ebucks to invest into this flexi fixed deposit. You not allowed to choose 100% but the slider does go that far.

The only annoyance with this is, it happens once a quarter, so does making planning how you spend your ebucks slightly more complex.

Anyways, testing it out to see how it will work exactly, and then decide how to move with it going forward.
 
Tinuva said:
Those seem fine to me as well. Basically you should not have a R90 000 limit, when you spend around R10 000 a month on the card. You will just barely make that 10% each month, and worse if you want to save the month, you will definitely miss it. On the other side, you also dont want it to cap your spending, because that then makes life difficult when you have unforeseen expenses, like you say.
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Okay I'm trying to sort out this CC limit thing - got my CC last month. I'm in this situation where my total limit (straight + budget) is way too high. Is there a way to lower it online? I only see the option to either increase it or to shift it between straight and budget.
 
Let's say my CC limit is R10k, do I just need to spend between R1000 and R9000 on it to qualify for the points?
 
Stevi said:
Let's say my CC limit is R10k, do I just need to spend between R1000 and R9000 on it to qualify for the points?
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The running balance on your CC shouldn't fall below R1000 nor should it exceed R9000 at any time in the month.
So, you could run it up to R9000, then pay in a few thousand, then run it up to R9000 again.
 
ABU said:
The running balance on your CC shouldn't fall below R1000 nor should it exceed R9000 at any time in the month.
So, you could run it up to R9000, then pay in a few thousand, then run it up to R9000 again.
Click to expand...

But wouldnt it incur interest if you dont pay it all off? Or do you just have to pay the minimum amount?

I always thought you just had to spend, based on that example, between R1000 and R9000, a month on your CC. Didnt know the running balance had to stay in that amount.
 
HeftyCrab said:
But wouldnt it incur interest if you dont pay it all off? Or do you just have to pay the minimum amount?

I always thought you just had to spend, based on that example, between R1000 and R9000, a month on your CC. Didnt know the running balance had to stay in that amount.
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In order to avoid interest you have to pay the full amount owing on last months statement, the balance doesn't need to fall to zero though.

eg. If your limit is R10 000 and your statement date is the 15th. On the 15th of March you were owing R3000 on the CC. This R3000 has to be paid into the Card by the 7th of April.
You could continue using the card and take the balance owing up to R9000. Then on the 7th of April pay in the R3000 owing making the balance R6000.
Result: You paid in the full amount that was owing on the statement date, so no interest, plus you kept the running balance over 10% and below 90%.
 
Hmm, my fuel rewards haven't come through. The rest have...
 
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