Tag Archives: uob

The curious case of the UOB Preferred Platinum AMEX card

Legend has it that once upon a time, there was a bank called UOB. Long before UOB fell under the dark spell of inflated marketing, it issued an enchanted pair of cards called the “Preferred Platinum” series.

Preferred-PlatinumNow, like every enchanted pairing, there was a magical twin and a non-magical twin. The Mastercard was not magical. To the contrary, it was the Magikarp of credit cards, spending its days running around the house shouting “wingardium leviosa!” at the top of its voice and making coworkers uncomfortable with jokes about its “magic wand”.

The AMEX, on the other hand, was indeed magical. It gave the wielder a 10X bonus on miles earned for dining, both in the homestead and worlds beyond. Yes, it was part of the AMEX race and therefore shunned by many (less enlightened) merchants. But for those who knew how to harness its powers, it became a formidable tool indeed.

And although there was, for a period of time, a challenge to its title as the most powerful dining card in the realm from the HSBC Advance, said card was eventually lured over by the dark armies of cashback. This left the UOB PP Amex as the undisputed ruler of the dining cards, one card to rule them all.

And you can’t have it, because it’s no longer issued.

Or can you?

Well, that’s the question everyone’s asking, because although the vast majority of people are still getting computer says no responses from UOB, there are drips and drabs of successful PPA applications.

I’ve published three articles on the UOB PPA to date, which have attracted almost 300 comments in total from readers

The death of the dining card in Singapore
Last call for the UOB Preferred Platinum AMEX dining card!
UOB Preferred Platinum AMEX: Dead or alive?

So here’s my compilation of sightings of the UOB PPA, the ultimate rare pokemon, based on readers’ accounts over the past 18 months.

A History of Bigfoot Sightings UOB PP AMEX Sightings

October 2015
A user on HWZ reports that the UOB PPA has disappeared from UOB’s website.

Unfortunately, Wayback Machine coverage of the UOB credit card subpage is patchy, so I can’t verify exactly when UOB took down the card. But subsequent calls by forum members to UOB customer service suggest the card is in the process of being “demarketed”.

December 2015
Thanks to a tip off from an anonymous reader, I post an article on how you can still apply for a UOB PPA, provided you’re an existing UOB card member. Apparently, UOB has an automated SMS system that allows existing cardholders to add on additional cards without the need for further verification. All you have to do is the following-

If you are an existing UOB card member perhaps you can try this to apply for the UOB Preferred Platinum cards. I applied using SMS on 10 Oct which was after they removed the application links from their website but still got the card sent to me about 1.5 months later.

SMS spacespace to 77862
For example: SMS Yespp 7890 S1234567H to 77862.

January 2016- December 2016
Numerous people report successfully applying for the card through the SMS method, with photographic proof (note the valid thru date- cards are issued with 5 year validity, so an expiry date of 01/21 implies a 01/16 issuance)

photo credit: lionel

I’ve gone to tally up the comments of people reporting successful applications by month, only counting people who reported receiving the physical card (others have received approval messages via SMS but the cards never came). Here’s how it looks-

(note: there’s no way of verifying if all these accounts are true, but I’d like to believe that Milelion readers are people of impeccable character and personal hygiene)

Jan 2016: 3
Feb 2016: 8
Mar 2016: 6
Apr 2016: 12
May 2016: 1
June 2016: 8
July 2016: 4
Aug 2016: 4
Sept 2016: 0
Oct 2016: 0
Nov 2016: 0
Dec 2016: 3

You’ll note that the earliest applicants had the most success. April in particular was a bumper crop, with 12 people reporting successful applications.

And then it goes kind of quiet post August. From Sept- Dec 2016 we get a grand total of 3 successful applications, all in December.

Of course this is far from scientific- there’s a whole lot of self selection bias here. Also note that there were many others who were unsuccessful during this period (but thankfully reported it too so we’d have that data point), getting a range of excuses from CSOs about the card being demarketed and unavailable.

January 2017- April 2017
So continued the dry patch with denials, denials, denials. People who try the SMS method got met with a wave of rejections, from CSOs calls to a poor soul who applied for the UOB PPA and got a UOB YOLO card in the mail. Talk about a cruel joke. 

In addition to the SMS method, another possible application method by mail surfaces thanks to posters BIN, Alvin and Tim. There are two different forms out there, to my knowledge. Try this…

Download (PDF, 194KB)

Or this

Download (PDF, 606KB)

And yet, no success reported. Until…

May 2017- June 2017
Breakthrough. 3 successful applications reported, again corroborated with photographic evidence. (note the 05/22 expiry date, evidencing a 05/17 approval)

photo credit: martin

What’s going on?

I have a theory.

I believe that when UOB demarketed the card in late 2015, the change was mostly cosmetic, in that they took the card off their front end webpage but didn’t update anything on the back end.

Now, a big bank like UOB handles thousands if not tens of thousands of credit card applications in a month. It’s not practicable for each of them to be manually approved. So UOB probably has an automated card printing press that kicks into action once the system approves a new application (based on credit risk, income requirements etc). The cards are embossed, the account is opened on iBanking, the CBS warnings/ promotional vouchers are added to the envelope and the package is dispatched, with little to no human intervention.

Therefore, although CSOs were trained to say the card had been demarketed, the system was still set up to produce such cards upon approval. It doesn’t explain why some people who applied in early 2016 didn’t get the card, but it does explain how some people could still get the card despite it being “demarketed”.

The other thing that intrigues me? Look at the most recent version of the UOB PP Mastercard. Yes, it’s still useless, but the design tells us something.

photo credit: chelsea

That there is Mastercard’s new logo.

Now hear me out. The way I understand it, card production has two components. There is the “raw” cardstock, which doesn’t have names, card numbers or expiry dates embossed. They have the base design (the card artwork + the Mastercard logo) and maybe a blank chip there, but nothing else. The cardstock sits around waiting until it’s needed. When a card is approved, the embossing happens, the chip is activated and the card is sent out.

Which means at some point in the recent past, UOB must have updated the cardstock’s design to incorporate the new Mastercard graphic. I’m guessing this didn’t take a lot of time, because in all likelihood there’s a placeholder for the Mastercard graphic on all cards, and it was a simple matter of replacing the old object with the new one.

But then they also bothered to do a print run of the new PP Mastercard cardstock, which implies in a warehouse somewhere there’s a pile of these babies waiting to be embossed. Now why would they do that for a card that’s supposedly demarketed? Card replacements, possibly, but this may also lend some hope that UOB hasn’t decided to kill the account entirely.

How do I get one?

And that begs the question, how do I get one?

Unfortunately, there seems to be absolutely no rhyme or reason why some people’s applications are successful and others aren’t. The UOB PP Amex was always a $30K income requirement card, so income can’t be a factor for why some people get it and others don’t.

Could it simply  be a matter of persistence? Three accounts from successful applicants suggest so.

Account 1 from Anonymous:

15Nov – applied for card via SMS

20Nov – received call saying discontinued, but continued to push them citing other people who have received the card recently, CSO agreed to apply for me.

8Dec – received card in mailbox

still works! goodluck guys!

Account 2 from Martin:

I applied for this card mid of April 17 via SMS and shortly after via mail again. Called up 3 CSOs after, all saying the system doesn’t allow an application any more. Nothing they can do. Today I saw the card (with number) showing up in the ibanking. But can only be certain once the card is in the Mail.

(later)

Cards have arrived today, 03/05/17. Still works.

Account 3 from Chelsea:

I sent 12 SMS and 2 paper applications…UOB really makes you work for this card

These accounts seem to suggest that those who eventually got the card had to jump through a lot of hoops to get it. I certainly don’t think you should badger the poor CSOs for something they’re trained to reject, but I imagine SMS channels don’t mind being harassed.

What now?

To those who are still waiting-  given the point we’re at, no one should apply for the UOB PPA and expect to be approved. We’re far past that point already. You can only hope against hope that one day you’ll log into your iBanking and see that glorious account opened.

To the banks- there’s a giant sized hole now in the credit card market for a good dining card. Come on, bring back a 4 mpd card. You can put a minimum spend. You can put a cap on bonus points. But just give us something, anything!

I WANT TO BELIEVE

Everything wrong with Mothership’s sponsored UOB Krisflyer post

I thought that I’d said everything I needed to say about the new Krisflyer UOB account. I really did. And having done my civic duty, I then disappeared gracefully into the night, the hero this city deserves but not the one it needs right now. Or vice versa. I forget which is which.

oh hai. i can haz seo?

But man, reading Mothership’s latest sponsored UOB Krisflyer post got the blood pumping again.

We could start with the lack of proper sponsored post disclosure. Yes. I realise that at the bottom of the post, there’s this line-

This sponsored post is brought to you by UOB. We also want to be able to spend $500 a month on our debit cards to accumulate miles.

But that’s my point. It’s at the bottom. I’ve called out this problem before, but I’ll say it again: I fervently believe that such disclosures obey the letter but not the spirit of the law. Disclosure needs to be full, frank, and upfront. Because that can be the difference between someone choosing to read an article or not.

By only telling people at the end that a post was sponsored, you’re leading them up the garden path. They read an article with the lens that whatever is being said is a personal, objective opinion. Then you say, oh, by the way, this is sponsored. That’s just bad faith. You’re denying them an important piece of information that might affect whether they want to read it in the first place.

Does it really make a difference? Of course it does, and advertisers know it. I’ve seen sponsored post briefs that (if they mention disclosure at all) ask for disclosure to be at the end, rather than upfront. Because people don’t like being bs-ed, and the tendency is to switch off once you see a post is sponsored. And evidently Mothership’s writers know that it makes a difference too. Because why else would you bury the disclosure at the bottom if you felt otherwise?

Disclosing sponsored posts upfront is best practice. Let’s leave that point there. Mothership is hardly the most egregious of offenders when it comes to disclosure, but I would expect much more from them given their stature in the blogosphere.

I want to spend the bulk of this post talking about the content of Mothership’s article. You might be shocked to know that I don’t agree with their findings.

I know, I’m a bit like this-

Duty Calls
credit: xkcd

But Mothership is big. Like, register with MDA big. That blue line in the graph below is Mothership. That orange line below is The Milelion, for comparison. I get size anxiety.

If 2 million people read Mothership each month, that’s 2 million people who could potentially be misled. And some of those 2 million people could be chiobus. So I must do something, because everyone loves an internets hero.

Once more unto the breach…

Analyzing Mothership’s post

Let’s first set the rules of engagement. I’ll let Mothership do that

For the sake of this article, let’s assume you are a millennial who has been in the workforce for a couple of years and are considering getting the KrisFlyer UOB account. Since that’s UOB’s target audience anyway.

Hold on, lemme fix a typo

For the sake of this sponsored article, let’s assume you are a millennial who has been in the workforce for a couple of years and are considering getting the KrisFlyer UOB account. Since that’s UOB’s target audience anyway.

Ah. Better. OK, go on.

Mothership considers the 3 potential tiers of miles earning that the Krisflyer UOB account offers, based on account balance. To recap- that’s

  • $3K-$100K: 1.4 miles per dollar (mpd)
  • $100K-$350K: 3.4 mpd
  • >$350K: 5.4 mpd

They rule out the >$350K and $100-350K tiers, thankfully, because that’s just plain unrealistic, and settle on the third.

That leaves the third tier, which starts at $3,000. Plenty of financial sites widely advocate having 3 – 6 months’ salary in savings stashed away in case of emergency. This tier seems more achievable for most people.

Fine. Now one assumption from me: I’m going to assume this millennial (there’s that word again!) grad earns at least $30K per annum.

I don’t think that’s too far a stretch, because I’ve shown previously that the average poly or uni grad should be earning at least $30K per annum, once the 13th month bonus is taken into account.

So here’s how this will work. Mothership will make the case for using the UOB Krisflyer account. I’m going to make the case for using the DBS Altitude Visa card (minimum income required: $30K).

Get 8,000 bonus miles
This isn’t sponsored by DBS. But it really should be.

And I’m going to give Mothership 3 major handicaps.

  • I’m going to assume the fresh grad doesn’t take advantage of the 10,000 mile sign up bonus that the DBS Altitude has, nor the double miles earning promotion that’s on till 31 July
  • I’m going to assume that this fresh grad doesn’t spend anything on foreign currency transactions (2.0 mpd) or air tickets (3.0 mpd), instead earning 1.2 mpd everywhere. That’s unrealistic, but I’m feeling generous.
  • And I’m going to assume that our fresh grad just uses this one card. Yup, I’m not going to suggest any of my multiple card strategies. That’s a big problem for anyone pursuing a miles strategy, but I read that chiobu like cocky guys

Your move first, Mothership.

Round One

1. Fresh grad: $3,000 monthly account balance, $500 monthly spend

Mothership shows the working from the Krisflyer UOB miles calculator- with $500 monthly spending and a $3K monthly account balance (MAB) you’ll end up with 4,200 miles at the end of the year.

You might be wondering- $6,000 of annual spending at 1.4 mpd, isn’t that 8,400 miles? Yes, it is. Except that the bonus miles you can earn each month is capped at 5% of your MAB. In this case,  that’s 0.05*$3,000=150 miles.

Which means that each month, your first $150 of spending earns 1.4 mpd. Your next $350 is earning 0.4 mpd! 

Mothership notes this restriction, but apart from this caption above, they don’t mention it anywhere in their calculations. Don’t you think it’s a pretty crucial point?

My turn: if our fresh grad spends $500 a month at 1.2 mpd for a year, he’ll have 7,200 miles. Boom. He doesn’t even need to put that $3,000 in a 0 interest earning account, and he’ll have 3,000 more miles than if he followed the Mothership option.

Mothership then presents some suggestions as to how you should spend this veritable bounty. They note, correctly, that you can’t go anywhere.

Well, to be fair, neither can my fresh grad who has 7,200 miles. But my guy is 300 miles shy of a one way economy class ticket to Bali. Their guy is 3,300 short.

No worries, Mothership has another suggestion-

An alternative option here is for you to redeem the Scoot voucher to offset your budget travel. The KrisFlyer UOB account also gives you perks with Scoot such as priority check-in and boarding, additional 5kg luggage when you purchase of 20kg baggage, and free seat selection.

An alternative option here is for you to redeem the Scoot voucher to offset your budget travel.

redeem the Scoot voucher to offset your budget travel

redeem the Scoot voucher

I hate myself for what I’m about to say.

If you’re going to use the miles you earned from your Krisflyer UOB account for Scoot vouchers, you might as well be using a cashback card.

There. I said it. Are you happy now, Mothership? You made me recommend a cashback card.

I feel so dirty right now. But it’s true. With $500 a month spending on a 1.5% cashback card (eg. AMEX True Cashback Card/ SCB Unlimited Cashback Card), you’d earn $90 cashback in a year. That’s $60 more than a $30 Scoot voucher, and it’s not in a captive currency.

Redeeming Scoot vouchers with your Krisflyer miles is a terrible, terrible option that values them at just under 1 cent each. Mothership writers, you can club baby seals. You can play keepaway with an orphan’s bindle. You can unilaterally pull out of the Paris climate accords. But whatever you do, for the love of all things bright and beautiful please don’t redeem Scoot vouchers.

Mothership’s article goes on to helpfully point out-

A quick comparison here: if you kept your $3,000 in a savings account that gives you 0.05% interest on your savings, you would be getting $1.50 in interest a year – which doesn’t quite compare to $30 in Scoot or Tigerair vouchers to go travelling.

But that’s a false dichotomy. Our fresh grad’s alternative option is not just to put $3,000 in a savings account and earn 0.05% interest. As I’ve shown, our fresh grad can get an entry-level DBS Altitude card and outearn the Krisflyer UOB account. Hell, our fresh grad can get an entry-level cashback card and still end up better off than with the Krisflyer UOB account (based on a valuation of 2 cents per mile)

Because ending their example with a $30 Scoot voucher would be a bit of a damp squib, Mothership shows the position you’d be in after 3 years too

If you spent $500 per month for three years and have $3,000 in the account, you would be able to accumulate 12,600 KrisFlyer miles.

Great. My fresh grad? He’s got 21,600 miles ($500*12 months*3 years*1.2mpd). He’s jetting off to Shanghai, Beijing, Hong Kong, Taipei, Male, Perth, while the furthest Mothership’s fresh grad can get to is Bangkok.

Next!

Round Two

2. 20s in their second job: $10,000 monthly account balance, $750 monthly spend

Mothership proposes a second scenario. Crunch a $10,000 MAB with a $750 monthly spend into the trusty miles calculator, and 9,600 miles is the outcome.

9,600 miles puts all the Malaysia, Indonesia and Brunei destinations on the SQ award chart within reach.

But again, this person using the Krisflyer UOB account has triggered his monthly bonus cap with his $750 spending. That $9,600 annual spend at 1.4 mpd should have given him 13,440 miles. Remember though, his bonus miles are capped at 500 per month (0.05*$10,000 MAB). He earns 1.4 mpd on the first $500, and 0.4 mpd on the next $250.

What about my guy? $750 a month at 1.2 mpd=10,800 miles in a year. He’s ahead by 1,200 miles. And he didn’t have to put $10,000 in a 0 interest earning account.

Again, if you kept your $10,000 in a savings account that offers 0.05% interest, you would be rewarded with $5 interest a year – would you rather have that or a ticket to one of the above destinations?

False dichotomy alert #2. I mean, I could paraphrase that and say “Again, if you kept your $10,000 in the UOB Krisflyer account that offers 0% interest, you would be rewarded with 9,600 miles a year- would you rather have that or 10,800 miles plus 0.05% interest?”

Here’s Mothership’s 3 year scenario

And the end of three years of spending $750 per month, you’ll accumulate 28,000 KrisFlyer miles – which is enough to visit most of SIA’s locations.

Cute. My guy is now on 32,400 miles ($750*12 months* 3 years * 1.2 mpd) and feelin’ fine.

What’s that, you say? I’m forgetting annual fees? Yes, it’s true. The DBS Altitude Visa has a $192.60 annual fee, waived for the first year. The UOB Krisflyer debit card has no annual fee.

Here, our guy has two options. First, he can try to apply for an annual fee waiver when it comes due. Banks are usually quite generous with this. Second, if the bank does not waive his annual fee, he will end up with 10,000 miles for each year he renews his DBS Altitude card. So by the end of the third year, he will have 20,000 bonus miles for $385.

If the second option comes to pass, the two propositions after 3 years are

  • Mothership: Spent $27,000, got 28,000 miles
  • Mine:  Spent $27,000 + $385 on annual fees, got 52,400 miles

I don’t know about you, but I think I’d pay $385 to earn an additional 24,400 miles. My guy can now fly one-way business class to Cape Town, the destination that Mothership recommends we redeem our miles for.

Basically: Mothership’s seat on the Capetown flight

Image result for a350 economy class singapore airlines

My guy:

Image result for a350 business class singapore airlines

I think we’ll have to agree to disagree.

Does Mothership adequately point out the drawbacks to the account?

Mothership provides two caveats at the bottom of their article. They point out that the account doesn’t earn interest, and they point out that all Krisflyer miles expire after three years.

Fair enough, but this doesn’t anywhere near adequately explain one of the biggest problems with the Krisflyer UOB account: the 5% cap on bonus miles earning. This is the deal killer for me, and for a lot of people in the miles game.

If wanderlust is in your blood and you want your daily spend and savings to help you satisfy that wanderlust, the KrisFlyer UOB account is something for you to consider.

No. It’s not.  If wanderlust is in your blood and you want your daily spend to help you satisfy that wanderlust, drop me a note. We’ll talk.

Wrapping it up

I’m confused as to what UOB’s social engagement strategy is. Their influencer campaign backfired, not just for want of disclosure, but also because it was painfully clear these influencers hadn’t the faintest idea what miles were about. They laid low for a while to let things die down, and then they went to Mothership with a sponsored post proposal.

I mean, what was the endgame here? Damage control? The hope that by presenting a few scenarios where the account might make sense, people would change their minds (if so they should have asked Mothership to write about a student or retiree who doesn’t qualify for any credit cards at all, period. But even then, the retiree could probably get a secured DBS Altitude card with a fixed deposit…)?

What was this sponsored article supposed to achieve? I don’t know. I’m as puzzled as you are.

What irks me is that I’ve always considered Mothership to be one of the good guys. I mean, they’re not batshit crazy like All Singapore Stuff. They’re not xenophobic racemongers like TRE (favourite TRE headline: Jollibee discriminates against Singaporean staff. Reason given in article–> Jollibee writes on Facebook “we welcome all Jollibee fans to apply for a job at Jollibee!–> Jollibee has never been in Singapore before–> Only Filipinos could be fans of Jolibee–> Jollibee only wants to hire Filipinos. No, this really happened). They don’t have the existential, prepubescent angst of Amos Yee.

Mothership is a perfectly decent editorial platform. So why are they taking advertiser money to encourage people to sign up for a bad deal?

“Where can a regular twenty-something realistically travel to with the KrisFlyer UOB account?” Mothership asks in their article title. The answer: nowhere great. But fortunately, that’s why we have miles cards. Proper ones.

“This sponsored post is brought to you by UOB. We also want to be able to spend $500 a month on our debit cards to accumulate miles.” Mothership concludes.

Guys, reach out to me. We’ll have coffee. On me. And I’ll show you a better way.

Financial alternatives to UOB Krisflyer and reflections on a crash

A lot has been said in recent days about the new UOB Krisflyer account, not just on this site, but by others in the general finance space.

If I could summarize my problem with the product in one sentence, it’d be that the upside to you is capped (in the form of the 5% cap on bonus miles) while the downside to you is unlimited (in the form of 0% interest on your entire balance).

So I’ve made my stance on the matter pretty clear. Still, I’d encourage those of you who are undecided to have a read of some of the coverage on other sites like Dollars and Sense, Moneysmart and even this one piece on Bank Bazaar that tries to take an alternative viewpoint. Read up, understand the product, do your sums and come to your own conclusion.

Financial Alternatives to the UOB Krisflyer account

The only thing I want to add to this is the one piece that was missing from all my analysis- what the opportunity cost of putting your money in a 0 interest account is. I mean, I did talk about it in terms of miles, but I didn’t talk about alternative investments like fixed deposits, equities and the like.

This is because I’m terrible at investments. I mean, I collect miles for goodness sake. They don’t earn interest, they’re not insured and they can only ever be devalued. But man, the experiences you have

Fortunately, Fiona from SG Budget Babe is better at such things, and she’s kindly prepared some alternative investment options for your consideration (for the record, she was the one who gave me the heads up about the influencer posts that were going around Instagram).

I’d encourage you to have a full read over on her site, but here are the key tables for your reference. The investment options here aren’t exhaustive, of course, but they’re common financial instruments available to most investors.

I’ll discuss the 1 year investment horizon scenario here (she’s prepared a 3 year scenario on her site as well), because we’re not clear what will happen to the UOB Krisflyer earning rates after the first year promotional period, and where equities are concerned we need to make significant assumptions the further out we go.

For a 1 year investment horizon

For a 1 year investment horizon, assuming a $30K deposit and $500 card spending a month, you’d have 8,400 miles with your UOB Krisflyer account. Assuming a 2 cpm value, that’s about $168 of interest. This is slightly over half what you would get if you put it in 0 or virtually 0 risk investments like Fixed Deposits or SSBs. If you were willing to put it in a REIT, you could get significantly more (assuming, of course, you pick the right one) not just from dividends, but capital gains as well.

Even if you spend $1,000 a month, you’d be on 16,800 miles or roughly $336 of value. I realise that’s on par with the 0 risk investments, but you need to factor in the fact that miles are a non-liquid currency. In any case, I’m going to fall back on my thesis statement made elsewhere that if you’re after miles, there are better cards for getting them.

Reflections on a crash

On another note, The Milelion had a server outage that started intermittently around 9 or 10pm last night and escalated into a full website crash all the way until 10.45am this morning.

I am clueless about IT issues (I’ve barely poked around my back end, fnar fnar) and in the space of time between I woke up at 6am to full restoration, I had to learn a lot of acronyms I’d rather not know like CDN, DDOS, TOS, DNS…

Suffice to say, the diagnostics showed the crash was due to a spike in CPU usage beyond which my hosting plan allowed. This caused the hosting platform to suspend access to the site until it was optimized. This has since been done and regular services resumed. I’ve also upgraded the site’s security to prevent a future recurrence.

I don’t have enough technical knowledge to say whether this spike was because of the sheer number of visitors (we crossed 50K yesterday (and imagine what that would have been without the outage!), compared to the usual 3-4K) or whether it was caused by something malicious, and it would be irresponsible to speculate (Russians!).

But I do thank all of you who reached out to let me know something was up, and the others who offered to put me in touch with IT people/other hosting services who could help me resolve it. It means a lot to me that you’d go out of your way to render help to someone you met on the interweb.

Group hug y’all.

Image result for grouphug

It’s quite incredible how the past 7 days started with the excitement of what seemed to be a game changing product, turned to disappointment when the fine print was revealed, turned to ridicule at the defense raised by the bank, turned to anger at the influencers involved in promoting a product they clearly knew nothing about.

But let’s face it- this will eventually fade. UOB will have future product launches. Some will be good, some will be bad. Influencers will continue to promote products. Some will be good, some will be bad.

What is important to me is that The Milelion and its guestwriters continue to call things as we see them, and maintain the highest standards of ethics in our writing.  I was very moved by the support in the comments section of the influencer article, and will work tirelessly to keep the trust you guys have placed in this site.

Group hug again.

Image result for group hug

So keep reading, keep questioning, and keep taking part in the comments and FB discussions. Let’s make this a place where anyone can learn to travel better for less.