u/Afraid_Meat_5376

Back in May, YouTrip ran a travel promo where users could get 3% cashback, capped at S$12, after spending S$400, supposedly limited to the first 4,500 eligible users.

I joined the campaign shortly after it started and deliberately used YouTrip for my travel expenses. I hit the S$400 requirement within just a few days.

What made me think I had qualified was that the app had a visual progress bar/counter showing my progress and indicating that I was eligible for the cashback. So naturally, I continued using YouTrip instead of another card because I thought I had secured the promo.

Fast forward to the end of July, when the cashback was supposed to be credited.

Nothing.

No cashback, no notification saying I didn’t qualify, no update at all.

I emailed YouTrip customer service and their response was basically that the promotion was only for the first 4,500 users, and apparently I wasn’t one of them.

This is what I don’t understand.

If the app was already tracking my spending and showing that I had met the promotional requirement, why couldn’t it also tell me whether the 4,500-user allocation had already been exhausted?

More importantly: how can customers independently verify that 4,500 people actually received the cashback?

From the customer’s perspective, what’s stopping a company from running a “first X users” promotion, getting thousands of people to spend more using their service, and then simply telling anyone who asks that they weren’t within the first X?

I’m not saying that YouTrip literally didn’t pay 4,500 users**,** I obviously don’t have evidence of that. But the complete lack of transparency makes the promotion feel very questionable.

At minimum, I would expect one of these:

• A live counter showing how many promo slots are left
• A notification confirming that you’ve successfully secured a cashback slot
• The promo automatically closing once all 4,500 slots are taken
• A notification telling users who hit S$400 that they didn’t qualify because the quota had already been filled
• Some way of auditing or verifying that the advertised number of rewards was actually distributed

Otherwise, the progress bar feels misleading. Showing someone “you’ve met the requirement” is very different from telling them, two months later, “actually, too bad, you weren’t fast enough.”

Did anyone here actually receive the May YouTrip 3% travel cashback promo?

Would be interesting to know when you hit the S$400 spending requirement and when the cashback was credited.

Also realised they now have a new campaign for their anniversary for the first 3038 users this time. Well, good luck to YouTrip users.

25M here, parents are divorced and financially they’re not doing very well. Realistically, each of them can only afford a 2-room Flexi flat. I can definitely afford renting a room with my current pay, just not sure if I can still afford a resale by 35 then.

I’m now thinking about what my housing situation is going to look like for the next 10 years. Staying with either parent means squeezing into a pretty small space with basically no privacy, but at least I can save a lot more money.

The alternatives I can think of are:

• Rent a room outside and pay for the privacy/freedom, but probably burn quite a lot of money over 10 years.
• Suck thumb and squeeze with either parent until I’m 35, then get my own place.
• Faster find a partner and BTO together — can use as pick up line?
• Getting a resale flat with either parent (not really an option cos I don’t want to stay with my parent forever and I’ll be the one paying most of the mortgage)

For people who were in a similar situation, what would you do?

Is renting a room in your 20s worth the money for the independence and mental space, or would you just tahan and save aggressively until 35?

Also curious if anyone here grew up with divorced parents / had no proper “family home” to fall back on. How did you plan your housing situation?

Hello, I recently graduated and need to pay my student loan. My bank loan has a 4.5% annual interest rate since I got it before 2024. Should I get a personal loan to pay off this loan?

Most banks advertise 2-3% EIR, but my application shows 6-7%. How can I compare personal loan rates? Most banks require an application to get the final credit loan amount and rate, so I don’t want to apply to many banks to avoid affecting my credit score. I only have my current bank, so I don’t want to create new accounts just to check the EIR rates.

I have the amount to pay the student loan upfront, but I don’t think it’s worth the opportunity cost. I also started my job recently, so my CPF contribution doesn’t automatically grant me the usual loan amount based on my current monthly salary.

I was thinking if I can get at least 2-3% EIR with all the promotions from new banks and singsaver/moneysmart , it’s still worth it. was planning to let the amount be in hysa or invest