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  #21  
Old 12.05.2013, 00:13
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Re: UBS's ridiculous replacement card fee

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Or it cracks right along the line where the chip is, as mine does every year. Crappy construction that helps fill their pockets a bit more.

Dan
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Mine fails about once a year on average, never have had a charge.

Tom
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If you think that's bad, how about a CHF 20 charge if your card develops a fault e.g. magnetic strip becomes corrupted
What are you people doing with the cards??? In over 20 years I've never had a card fail and I carry them daily in my back pocket!

The only time I had card trouble was when the genius behind the desk at UBS in Basel cut it in half! I asked him to close one of my accounts and for reasons best know to himself, he though that customers have one card per account
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  #22  
Old 12.05.2013, 00:17
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Re: UBS's ridiculous replacement card fee

I'd never had a card break, in many many years, until I came here and got my Postfinance one. As above, it split just above the chip. It was replaced promptly (free of charge). My new one now has a crack in the same place. They last about 1.5 years each.

Due to the fact I only use it to get cash out of machines and the online banking card reader, I have to conclude that they make extra shit cards in this country.
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  #23  
Old 12.05.2013, 00:18
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Re: UBS's ridiculous replacement card fee

In my case, it's only the CS card. It's quite thin and flimsy compared to my credit cards, which never break.

Dan
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  #24  
Old 12.05.2013, 00:21
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Re: UBS's ridiculous replacement card fee

The plastic is also more "brittle" than the plastic of my credit cards (which is the type of plastic I had always seen before). The credit cards are much better at flexing without breaking. Maybe CS is using plastics from 30 years ago too (similar to their customer service practices)?

Dan
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  #25  
Old 12.05.2013, 00:27
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Re: UBS's ridiculous replacement card fee

My kid's pediatrician (100% suisse), always says that "where is money there's a suisse".
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  #26  
Old 12.05.2013, 08:46
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Re: UBS's ridiculous replacement card fee

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My kid's pediatrician (100% suisse), always says that "where is money there's a suisse".
Thank you for your insightful contribution to our discussion.

For the rest of you, do UK cards have chips in them? US cards didn't, last time I had one, and I could imagine that could be a cause of the weakened plastic. Don't know though.
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  #27  
Old 12.05.2013, 10:36
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Re: UBS's ridiculous replacement card fee

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Thank you for your insightful contribution to our discussion.

For the rest of you, do UK cards have chips in them? US cards didn't, last time I had one, and I could imagine that could be a cause of the weakened plastic. Don't know though.
UK cards have a chip, but are well made & don't break.

My Postfinance cards always crack & eventually brake after about 18-24 months.
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  #28  
Old 12.05.2013, 11:00
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Re: UBS's ridiculous replacement card fee

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The plastic is also more "brittle" than the plastic of my credit cards (which is the type of plastic I had always seen before). The credit cards are much better at flexing without breaking. Maybe CS is using plastics from 30 years ago too (similar to their customer service practices)?

Dan
Well the headof CS is an american so this sounds plausible as an explanation
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  #29  
Old 12.05.2013, 11:26
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Re: UBS's ridiculous replacement card fee

There are chip cards in Europe since the 90's. Never noticed any that the chip would weaken the card.

My bank cards usually have 2 to 4 years expiration dates, and the only sign of wear I notice is the printed plastic cover gets worn or gets loose near the corners of the cards. The cards though are quite resistant, and if you try to bend then on purpose they'll permanently fold but never break.
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  #30  
Old 12.05.2013, 11:57
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Re: UBS's ridiculous replacement card fee

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There are chip cards in Europe since the 90's. Never noticed any that the chip would weaken the card.

My bank cards usually have 2 to 4 years expiration dates, and the only sign of wear I notice is the printed plastic cover gets worn or gets loose near the corners of the cards. The cards though are quite resistant, and if you try to bend then on purpose they'll permanently fold but never break.
Agree to this those that have broken their cards more likely they mistreated them. I had one card here where the mag strip corrupted itself but it was most likely due to too many mag strips stored together which is a long known weakness of such cards
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  #31  
Old 12.05.2013, 12:45
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Re: UBS's ridiculous replacement card fee

Folks, it's UBS. Nuff' said.
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  #32  
Old 12.05.2013, 12:46
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Re: UBS's ridiculous replacement card fee

No complaints about UBS so far? Should I have?
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  #33  
Old 12.05.2013, 12:47
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Re: UBS's ridiculous replacement card fee

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Folks, it's UBS. Nuff' said.
Agreed unles you have loads of money then the united bank of swindlers isnt interested moved my pennies years ago away from them when it was obvious the kantonal banks have a much better idea on the definition of a customer
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  #34  
Old 12.05.2013, 12:51
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Re: UBS's ridiculous replacement card fee

I feel your pain!
I don't loose my card but for some reason my bad karma rubs off on it and it doesn't get recognized by machines anymore - which irritates me because I didn't loose it or break it willfully - I also asked if they could tell me why this happens - no clue. It is with my Coop card in my purse (I've had that for 5 yrs now without problem).
So I get a new card every 6 months or so which I had to pay for.
These days I never carry a card - I draw cash once a week and then leave the card at home. I should change bank but it's just too much effort!
useless - totally useless!
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  #35  
Old 12.05.2013, 13:06
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Re: UBS's ridiculous replacement card fee

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Well the headof CS is an american so this sounds plausible as an explanation
Well I guess his grand scheme to annoy his customers didn't apply to their credit card, which has no such problems. Also, thanks for letting me know that he is American. I'll send him an email directly and I'm sure he'll hop right on it.

Dan
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  #36  
Old 12.05.2013, 14:39
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Re: UBS's ridiculous replacement card fee

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Ok so my wife lost her wallet today and spoke with UBS to cancel her ATM card, a straight forward thing in Canada, and when the dust settled we are now out of pocket 60 chf????
The way Canada operates is not the way Switzerland operates.

Here, admin costs generated by the end user are paid by the end user.
The other customers do not subsidise the costs generated by your actions.

In Canada, the "free" card is subsidised by everyone else. The costs are still there, because nothing is "free". You just do not see them directly.

But at the end of the day if you prefer Canada to Switzerland, feel free to change countries.
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  #37  
Old 12.05.2013, 17:04
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Re: UBS's ridiculous replacement card fee

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The plastic is also more "brittle" than the plastic of my credit cards (which is the type of plastic I had always seen before). The credit cards are much better at flexing without breaking. Maybe CS is using plastics from 30 years ago too (similar to their customer service practices)?

Dan
They're all made by the same company in Horgen.....
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  #38  
Old 12.05.2013, 18:34
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Re: UBS's ridiculous replacement card fee

I use my card so often, I am surprised it has not self-ignited from overuse. But as of yet, 18 months in, I haven't had any chip problems. I have had trouble with my one in Germany where the mag strip was no longer readable - but I got it replaced for free. And I got to pick my own PIN...
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  #39  
Old 12.05.2013, 18:44
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Re: UBS's ridiculous replacement card fee

I eliminate my chances of having this problem by just paying for everything out of an enormous roll of cash that I got as a reward from UBS for turning in several old cards that I found on the street.

They told me that they make a bundle by reissuing them to the original cardholder, but charging them for a new one.
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  #40  
Old 13.06.2013, 21:41
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Re: UBS's ridiculous replacement card fee

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The way Canada operates is not the way Switzerland operates.

Here, admin costs generated by the end user are paid by the end user.
The other customers do not subsidise the costs generated by your actions.

In Canada, the "free" card is subsidised by everyone else. The costs are still there, because nothing is "free". You just do not see them directly.

But at the end of the day if you prefer Canada to Switzerland, feel free to change countries.

Friendly Kiwi??? I hardly doubt that. Look Kiwi, i can guarantee you that banks are profiting more than enough off your free money; by covering these "admin costs" are the least they can do to gain access to it.

Why the need to tell me to leave Switzerland, because I object to a fee?? Seriously??? ... a little sensitive are we. Stay off the thread then.
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