Tips to Boost your eBucks

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OR they were just confused on the phone.

Linked card to the same account = will earn ebucks.
opening a 2nd cc account...well that wont earn you any ebucks.
 
StrontiumDog said:
OK, but bear in mind it is the 2nd worst way**, i.e. not a good way, to spend your eBucks. I would never do this but to each his own.

**[edit] because you lose out on the additional 15% back on Checkers spend (in eBucks on RL5).
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No it is actually not so bad.

Groceries is something you need to buy each month. So lets say its constant at R2000/month. So you get 15% back each month that equals R300 worth of eBucks... so you actually spend R1700/month. So if you do that for 4 months you will have R1200 worth of eBucks. So if you buy a 40% voucher with that you get a R2000. Then you use that voucher for that months groceries (which you have to buy anyways) so you don't spend any money that month so you save R2000 - R300 worth of eBucks you "would" have gotten. So you actually get R1700 for the month instead of the R300 worth of eBucks. and that R300 eBucks is only worth R500 if you buy an 40% voucher. So you still score R1500 CASH.
 
Cpt.SpAce.Cowboy said:
No it is actually not so bad.

Groceries is something you need to buy each month. So lets say its constant at R2000/month. So you get 15% back each month that equals R300 worth of eBucks... so you actually spend R1700/month. So if you do that for 4 months you will have R1200 worth of eBucks. So if you buy a 40% voucher with that you get a R2000. Then you use that voucher for that months groceries (which you have to buy anyways) so you don't spend any money that month so you save R2000 - R300 worth of eBucks you "would" have gotten. So you actually get R1700 for the month instead of the R300 worth of eBucks. and that R300 eBucks is only worth R500 if you buy an 40% voucher. So you still score R1500 CASH.
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All of that is still true if you use your eBucks to purchase a Makro voucher (or other item with a 40% discount) that you don't use to purchase groceries with. The only difference is that you still get your R300 worth of eBucks on your groceries that month. The Makro voucher can then be used to buy a big ticket item.

Checkers is the one place that you can get 15% back on what is likely a big percentage of your monthly spend. For me, cutting Checkers out of my eBucks earn for a single month would cut my earn drastically.

However, I'm a wholesale subscriber to Strontium's secret sauce, so I won't argue too hard.
 
So ive eventually saved up some ebucks to help bring the price of a GoPro down.

I am on RL5. Can I use 30 000eB to purchase a R5000 voucher from Makro and then pay the balance ?
 
I opened an OD Facility the other day and I received a phone call from FNB.
Just want to know if any of you guys signed up for this?


WHAT IS AN OPTIONAL DEBT PROTECTION PLAN?
Optional Debt Protection Plan is available to FNB cheque account holders who have an overdraft facility & credit card. This plan helps relieve the financial stress relating to the repayment of credit, when life takes an unexpected turn. It provides protection against a customer’s credit facility.

TYPE OF COVER PROVIDED
An Optional Debt Protection Plan provides cover for the policyholder (account holder) for the following types of incidents:
 Death,
 Permanent Disability,
 Temporary Disability,
 Retrenchment.

IMPORTANT BACKGROUND INFORMATION
FNB already provides cheque account customers who have overdrafts, a certain amount of Free Automatic Debt Protection. The Free Automatic Debt Protection provides cover against; death and permanent disability only and a customer has the option to take out additional Optional Debt Protection to cover the whole credit facility as well as to have cover against temporary disability and retrenchment.


OPTIONAL DEBT PROTECTION PLAN COVER AVAILABLE
Below lists the maximum amount of cover a customer can have on an Optional Debt Protection Plan:
 The maximum amount of cover a customer has on an Optional Debt Protection Plan is R149,000.
 Maximum total cover a customer has including the Free Automatic Debt Protection Cover and Optional Debt Protection Cover is R150,000.

OPTIONAL DEBT PROTECTION PLAN PREMIUMS AMOUNTS
The example below shows how the monthly premium on an Optional Debt Protection Plan is calculated based on the maximum outstanding overdraft balance during previous the month, minus the free cover, and is limited to the maximum specified amount under the Optional Debt Protection Plan.

Example:
Customer’s highest debit balance = R10,250
Free Automatic Debt Protection = R 1,000
Monthly Premium = R46.25 (R10,250 – R1,000 = R9,250 ÷ 1000 x R5)

PRODUCT RULES
The following rules apply on an Optional Debt Protection Plan:
 All benefits will be paid over by FNB into the overdraft account.
 Monthly premiums can only be paid via a monthly debit order through the cheque account.
 The plan does not cover any spend on the cheque account after the date of the event.
 Cover ends at age 70 irrespective of the outstanding balance on the cheque account.
 No medical examinations required.
 Customer can cancel policy at any time in writing or by phoning FNB on 087 736 7775.
 Customer is allowed a 30 day cooling off period and the premium will be refunded if policy is cancelled within the 30 day cooling off period.
 Premiums are paid monthly in arrears and are debited to the cheque account with the overdraft facility or on the credit card by FNB credit cards.

END OF COVER
The Optional Debt Protection Plan cover benefits end when:
 The first death or permanent disability claim under the plan has been paid.
 If the customer’s credit facility or his/her right to use the credit facility ends or is terminated.
 The plan is cancelled for whatever reason.
 If premiums are not up to date.
 The customer turns 70 years of age.
Click to expand...
 
CamiKaze said:
I opened an OD Facility the other day and I received a phone call from FNB.
Just want to know if any of you guys signed up for this?
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No. The plan is not to remain in OD or CC debt. If you die with that type of debt, it should be small and your life cover should sort that out.
 
The optional debt protection insurances on short terms debt is horrendously overpriced and not worth it, unless you're not excluded and have a very short life expectancy.
 
Gamer said:
No. The plan is not to remain in OD or CC debt. If you die with that type of debt, it should be small and your life cover should sort that out.
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Discovery has or had a product like this for their Discoverycard . I paid it for years till I woke up and realized my Life cover would settle it. What a waste
 
Slightly OT

Does makro still sell the xiaomi phones? Want to get some vouchers and get the mi4.
 
abudabi said:
Slightly OT

Does makro still sell the xiaomi phones? Want to get some vouchers and get the mi4.
Click to expand...

About a month ago I saw the Redmi 2 and Mi 4 at the Clearwater store. I phoned them yesterday and none of their stores have the Redmi Note 2 though :< Hopefully they get them before my contract ends in two months!
 
Hi
Need to purchase a smart device for ebucks points
Prices are totally out
Anyone purchased anything worthwhile
 
Safrica said:
Hi
Need to purchase a smart device for ebucks points
Prices are totally out
Anyone purchased anything worthwhile
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You don't need to. Don't let eBucks control your spending. It's not worth it.

I'm finding it hard to keep up with eBucks just for the fact that I'm being forced to use Checkers and I fcking hate Checkers...none of the shops decent...none!
 
Method said:
You don't need to. Don't let eBucks control your spending. It's not worth it.

I'm finding it hard to keep up with eBucks just for the fact that I'm being forced to use Checkers and I fcking hate Checkers...none of the shops decent...none!
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We've got two awesome Checkers locally, but there are some things which they don't stock, so I shop primarily at Checkers and just pick up the extras separately. For the eBucks you get, it's worth it.

I wouldn't pick up a device to go up a level though.
 
Randhir said:
We've got two awesome Checkers locally, but there are some things which they don't stock, so I shop primarily at Checkers and just pick up the extras separately. For the eBucks you get, it's worth it.

I wouldn't pick up a device to go up a level though.
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I find that Checkers start out nice when they are new, but eventually they all small bad and the people who usually work there just don't give a **** about the shop. The whole experience of shopping at Checkers isn't enjoyable.

I'd much rather go to PnP.
 
Method said:
I find that Checkers start out nice when they are new, but eventually they all small bad and the people who usually work there just don't give a **** about the shop. The whole experience of shopping at Checkers isn't enjoyable.

I'd much rather go to PnP.
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Well we get 15% back in eBucks from shopping at Checkers so its worthwhile. Do bulk shopping there for groceries and selected fresh products. Then get top up shopping at PnP as we live like 100m from one.
 
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