Tips to Boost your eBucks

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Tinuva said:
Here you go. I deleted the SMS but this shows I did get it.
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None on mine. I got my smart device in December and have been getting the 500 MB every month. Today (after a lightning strike) I actually needed it and well nothing!

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This new 0.6% post-cap rate on online spend is really annoying. The game has become a lot more complicated now. Each online purchase now goes like this:
1. Open FNB site and add up all the transactions that I know were for online credit card usage from the 1st of the month to date.
2. See if the new purchase goes over the R5000 cap or not.
3. If no, spend and be done with it.
4. If yes, calculate the ebucks return of the remaining spend at 4% + 0.6% for the rest as well as X% if it's a a partner like takealot.
5. Get on guzzle.co.za and check if there are any specials for the thing I'm looking for. If so, calculate ebucks return for that.
6. Calculate ebucks return for in-store spend at 2% + Y% if the thing is available at a retail partner.
7. For each calculation, subtract the ebucks return at 40% voucher value from the price at the relevant store and pick the one that ends up being the lowest.

Before this change it was easy - always spend online at takealot unless the item is really expensive there or Checkers has it and don't really worry about the cap.

Now online shopping of large items need to be planned months in advance.
 
So FNB said in a mail to me they are no longer giving 1000 points for being with them for 3 years.
 
Anybody heard anything on the prospects of a repeat of the 40% off everything campaign towards the end of this year?
 
StrontiumDog said:
If i take the upgrade to PC I can get a credit card limit of 272k. Are they insane? :wtf:
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The mind boggles at how much unsecured credit they will give but the moment you want to buy an asset it's a massive rigmarole to get the funding.
 
Big thank you to all the posters on this thread. Your advise and guidance really helped me up my ebucks level. Thumbs Up!
 
Got an SMS from FNB saying you can earn 8% from Zando until 31 Aug.
 
zerocool2009 said:
2) The golden rule here are ... log into FNB internet banking, see when is your due date for your month's spending, and what ever date that is, make sure you R0 that balance. If you buy things today, and you clear your balance tomorrow, and the things you bought are only processed (showing on FNB internet banking), then that is for the next month's expenses (Hope that makes sense)
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Ok, so just to be 100% clear...
There's a "Balance" and an "Available Balance" when I check online.
Right now my Balance show transactions that are from a few days ago, but my "Available Balance" shows my credit limit minus any unpaid swipes (including a swipe from yesterday which hasn't yet shown up on my Balance).
So, lets say my limit is R10,000 and I've swiped for R3000 for the month til yesterday, and another R500 yesterday so my Balance is showing R3000 but my Available Balance is R6500
So, which one to I pay? ...
Credit limit - Available Balance (R3500)?
or just the Balance (R3000)?
(My guess is the Balance)
My aim is to neither pay any interest, nor collect any interest for positive balances.

Sorry for asking to be spoon-fed, i just wanna get this 100% correct
Thanks in advance
 
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