Hallo!
Hoffentlich eine grundsätzliche Frage, aber bedeutet das, dass ich 464 CHF auf meine Kreditkarte „geladen“ habe, mit denen ich nun bezahlen kann? Ich bin verwirrt, da ich gerade einen Geldbetrag auf meine Kreditkarte überwiesen habe, um den genauen Betrag auf meiner Rechnung zu begleichen, aber jetzt scheine ich diesen Restbetrag zu haben. Habe ich so Schulden oder wie viel kann ich ausgeben?
Die Benutzeroberfläche ist etwas verwirrend 🙈
https://i.redd.it/07f3xd35tagg1.jpeg
Von pottyosturorudi
6 Kommentare
The interface of UBS is the worst I have ever seen. The whole thing is designed by autistic nerds with zero idea of user-friendliness. Every single possible conceivable piece of data must be present. I curse every year I have to locate my tax declaration documents.
I wish they had a ”simple mode” for the 99% of customers who aren’t professional traders but just want to see expenses, amounts, transfer money and pay bills.
Platinum card and can’t read a bank statement, nice.
Total limit is 10k for all cards combined, you can use that amount. As of today, you have used 35.85 of that limit, + you have paid in I guess 500.-? Which is the excess you have on that specific card.
Indeed weirdly displayed and confusing.
It takes some time to account for payments properly, especially if the payment is not an invoice but just account transfer.
The numbers at the bottom are sometimes outdated, the „still available“ is the best indication of what your actual limit is. In this case, it’s 9964.15 and the -35.85 is what you owe. The 464.15 might be the leftover from the previous month’s statement and it can be positive or negative too (e.g. if you paid your credit card but then got a refund).
I honestly struggle with the same issue, between already invoiced positions and positions since last invoice and monthly limit and whatnot I have completely given up on understanding how much I can spend on the card. I just resorted to paying the bills and topping up the card on the spot when I hit a limit (or using a different card). UBS Visa card has really become my fallback solution when everything else fails for whatever reason.
I too found this confusing, and assumed it was because of pending transactions, so for three months in a row I overpaid my bill by increasing amounts until I realised what an idiot I had been, and ended up with a couple of k “extra” to spend on my card from chronic overpayment
Yes, I am slow