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 Debit Card V2

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TSMilesAndMore
post Jul 18 2010, 08:13 PM

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QUOTE(Nine @ Jul 18 2010, 07:23 PM)
I am currently a holder of Maybank's Basic Savings Account. I wish to use the Maybank Visa Debit (Cherry card). Are these the steps to apply for one:

1/ Close the Basic Savings Account and reopen it as a Kawanku Savings Account (What is the difference between these two)?

Basic Savings Account is regulated by BNM while Kawanku Savings is a house product.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
2/ Surrender my current ATM card to change to a Visa Debit Card?

Only if you close your Basic Savings Account.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
3/ Will there be any conversion charges imposed?

RM12.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
My understanding is that RM8 is the annual fee if require more than 4 withdrawals per month,

Yes. Alternatively, you can still choose the annual fee free option and make as many times of ATM cash withdrawals you'll like without incurring any charges by making sure you have at least RM5000 in your account when the excess withdrawal occurs.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
and an additional RM12 for ATM card to Debit Card conversion.

Yes.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
4/ Do I need to do all these at the branch which I opened my account?

Not necessarily. If you're in a different area, for example your existing account holding branch is Malacca but now you're in Kuala Lumpur and intend to open the account in Kuala Lumpur, you can open the account at any Maybank branches in Kuala Lumpur. Someone here said that he managed to open the account without the need to close his existing account prior because it's in different state.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
As for the new Cherry Card, does it:
1/ Act exactly like an ATM card?

Yes.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
2/ Understood there's only 4 withdrawals per month. Is every online transaction/card swipe considered as a withdrawal?

Yes. 1 ATM cash withdrawal is counted as 1 withdrawal. You are allowed to perform as many online transactions as you want as there is no restriction to this. Daily limit still apply though.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
3/ Be embossed with the cardholder's name? (Average wait time? Or is this option not available?)

No such option.


QUOTE(Nine @ Jul 18 2010, 07:23 PM)
4/ No top-up required and charge directly to the savings account?
Correct.
ma5y
post Jul 19 2010, 02:09 PM

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hi..i wanna ask here regarding the usage of PB day2day card to make a hotel payment at the hotel reception desk..normally the receptionist will ask u to make the payment during check in...and once again during check out..does this will charge double in my account..?

one more thing..last month, i've made a full payment via online booking at this hotel..once i went to check in, the receptionist asked me to pay 300 USD for the deposit..i pay with cash..because i don't have the PB day2day card at that moment..can i pay the deposit with my PB day2day card..?
TSMilesAndMore
post Jul 19 2010, 03:39 PM

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QUOTE(ma5y @ Jul 19 2010, 02:09 PM)
hi..i wanna ask here regarding the usage of PB day2day card to make a hotel payment at the hotel reception desk..normally the receptionist will ask u to make the payment during check in...and once again during check out..does this will charge double in my account..?

No. When you check-in, they will hold the amount from your debit card ... say RM1000. It won't be charged but if you check your Public Bank online banking account, you'll see RM1000 deducted from you savings account and shown as hold amount. They will only bill you the exact amount after you have checked out.


QUOTE(ma5y @ Jul 19 2010, 02:09 PM)
one more thing..last month, i've made a full payment via online booking at this hotel..once i went to check in, the receptionist asked me to pay 300 USD for the deposit..i pay with cash..because i don't have the PB day2day card at that moment..can i pay the deposit with my PB day2day card..?
Yes. You can.
sam325
post Jul 21 2010, 12:45 AM

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MilesAndMore are you a banker
i mean wow you answered all the questions efficiently

cheers bro



by the way a funny story happened to me the last 2 weeks just wanna share it
i asked before about cimb e-mastercard
after that i went to a branch of cimb (somewhere)
i asked the girl in the reception about the card
one of my questions i asked her if it is possible to link this card to paypal

guess what guys

she asked me back WHAT IS PAYPAL?????

it took me 15 minutes to explain to her and i think she didnt understand because after all of that she answered me that no this card you can charge it by atm and you can use it to buy things and it is not for internet

i personally consider that funny
how about you guys????

i mean how come a bank employee and doesnt know what is paypal


no comment... leave it to you guys

regards

This post has been edited by sam325: Jul 21 2010, 12:52 AM
TSMilesAndMore
post Jul 21 2010, 02:05 AM

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QUOTE(sam325 @ Jul 21 2010, 12:45 AM)
MilesAndMore are you a banker
i mean wow you answered all the questions efficiently

cheers bro
No. I am not. Just that i was a heavy debit card user myself once upon a time biggrin.gif


QUOTE(sam325 @ Jul 21 2010, 12:45 AM)
by the way a funny story happened to me the last 2 weeks just wanna share it
i asked before about cimb e-mastercard
after that i went to a branch of cimb (somewhere)
i asked the girl in the reception about the card
one of my questions i asked her if it is possible to link this card to paypal

guess what guys

she asked me back WHAT IS PAYPAL?????

it took me 15 minutes to explain to her and i think she didnt understand because after all of that she answered me that no this card you can charge it by atm and you can use it to buy things and it is not for internet

i personally consider that funny
how about you guys????

i mean how come a bank employee and doesnt know what is paypal
no comment... leave it to you guys

regards
She is definitely not alone in there. Many people have not heard of Paypal at all laugh.gif

solsekuin44
post Jul 21 2010, 09:51 AM

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QUOTE(MilesAndMore @ Jul 21 2010, 02:05 AM)
She is definitely not alone in there. Many people have not heard of Paypal at all  laugh.gif
*
Yeah, many don't know. The officer at PB last time also asked me back laugh.gif
ma5y
post Jul 21 2010, 02:55 PM

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thank you MilesAndMore for your answers..

i wanna ask 1 more thing regarding CIMB AirAsia savers account.. i copied this from CIMB homepage..

QUOTE
Features and Benefits:


High interest rate of 1.20%, up to 2.40% p.a. (inclusive of the RM5 cash back if average balances of at least RM5,000 with no over-the-counter transaction in any day of the month).
Bid for:


Free Flights - get to bid for free flights to selected destinations, if you maintain an average quarterly balance of RM3,000^.
AirAsia E-Gift Vouchers - get to bid for E-Gift Vouchers worth RM25 for online purchases of AirAsia flights if you maintain an average quarterly balance of RM3,000.


Promotional Fares - enjoy special low fares to selected destinations via AirAsia.


Priority Bookings - grab the best deals during AirAsia sales one day before the public.
Birthday Treats - get E-Gift Voucher on your birthday month if you maintain an average monthly balance of RM3,000.
Complimentary Tune Money Prepaid Visa Card (Tune Card)** with:


Tune Points whenever you use the Tune Card at any merchant within Malaysia.


Tune Card first year annual fee waiver.
On-line mode operation via CIMB Clicks (no passbook and no physical statement).
Online statement via CIMB Clicks.
Internet Banking.


how can i get information about the promotional fares and priority bookings..? they don't even ask for my email during account opening in the first place.. icon_question.gif
if i don't want the tune card, do i get all the features and benefits from this account..?
TSMilesAndMore
post Jul 21 2010, 03:46 PM

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QUOTE(ma5y @ Jul 21 2010, 02:55 PM)
i wanna ask 1 more thing regarding CIMB AirAsia savers account.. i copied this from CIMB homepage..
how can i get information about the promotional fares and priority bookings..? they don't even ask for my email during account opening in the first place.. icon_question.gif

if i don't want the tune card, do i get all the features and benefits from this account..?
They didn't ask for my email address either but i did key-in my email address in my CIMBClicks personal details.

Anyway, i did not get the lousy Tune Card. The high interest and RM5 incentive are the reasons i opened this account in the first place. Despite not having the Tune Card, i do get the high interest and RM5 incentive as published on their website. Not too sure how other things work though.

nanakopy87
post Jul 22 2010, 08:52 AM

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QUOTE(sam325 @ Jul 21 2010, 12:45 AM)
MilesAndMore are you a banker
i mean wow you answered all the questions efficiently

cheers bro
by the way a funny story happened to me the last 2 weeks just wanna share it
i asked before about cimb e-mastercard
after that i went to a branch of cimb (somewhere)
i asked the girl in the reception about the card
one of my questions i asked her if it is possible to link this card to paypal

guess what guys

she asked me back WHAT IS PAYPAL?????

it took me 15 minutes to explain to her and i think she didnt understand because after all of that she answered me that no this card you can charge it by atm and you can use it to buy things and it is not for internet

i personally consider that funny
how about you guys????

i mean how come a bank employee and doesnt know what is paypal
no comment... leave it to you guys

regards
*
well,at least she didn't simply answer you.last time i went to alliance bank apply for their debit card.i ask if their debit card be link to paypal or not?she said 'can.can.paypal can.online shopping can'.end up, can't.can't.paypal can't.online shopping can't
SUSdestiny6
post Jul 22 2010, 10:25 AM

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QUOTE(nanakopy87 @ Jul 22 2010, 08:52 AM)
well,at least she didn't simply answer you.last time i went to alliance bank apply for their debit card.i ask if their debit card be link to paypal or not?she said 'can.can.paypal can.online shopping can'.end up, can't.can't.paypal can't.online shopping can't
*
alliance bank debit card, totally cannot be used for online trxn, telephone order, mail order let alone paypal lol...., only can be use for POS trxn only
nanakopy87
post Jul 22 2010, 11:52 AM

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yalar.worst debit card tongue.gif
i think their staff should do more revision on their product.
TSMilesAndMore
post Jul 22 2010, 02:45 PM

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QUOTE(nanakopy87 @ Jul 22 2010, 08:52 AM)
well,at least she didn't simply answer you.last time i went to alliance bank apply for their debit card.i ask if their debit card be link to paypal or not?she said 'can.can.paypal can.online shopping can'.end up, can't.can't.paypal can't.online shopping can't
laugh.gif

SUSdestiny6
post Jul 22 2010, 04:14 PM

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QUOTE(nanakopy87 @ Jul 22 2010, 11:52 AM)
yalar.worst debit card tongue.gif
i think their staff should do more revision on their product.
*
still i dun understand why there is CVV behind the debit cd if the card is just for POS trxn
besiegetank
post Jul 22 2010, 05:09 PM

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I think it's only a matter of time before they will realize their mistakes since more and more people will be doing online transaction in the future.
SUSdestiny6
post Jul 22 2010, 05:41 PM

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QUOTE(besiegetank @ Jul 22 2010, 05:09 PM)
I think it's only a matter of time before they will realize their mistakes since more and more people will be doing online transaction in the future.
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not really la....there r still ppl r paranoid doing online trxn, for me i got no issue with the cd, just that the annual fee....aiH i dun believe in ASF 1 still i pay for it sweat.gif
future80
post Jul 22 2010, 09:25 PM

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QUOTE(sam325 @ Jul 21 2010, 12:45 AM)
MilesAndMore are you a banker
i mean wow you answered all the questions efficiently

cheers bro
by the way a funny story happened to me the last 2 weeks just wanna share it
i asked before about cimb e-mastercard
after that i went to a branch of cimb (somewhere)
i asked the girl in the reception about the card
one of my questions i asked her if it is possible to link this card to paypal

guess what guys

she asked me back WHAT IS PAYPAL?????

it took me 15 minutes to explain to her and i think she didnt understand because after all of that she answered me that no this card you can charge it by atm and you can use it to buy things and it is not for internet

i personally consider that funny
how about you guys????

i mean how come a bank employee and doesnt know what is paypal
no comment... leave it to you guys

regards
*
i think they at least should know thier product or servie in details.
not that only, sometimes customer even know more than bank employee, such as latest promotion on card, latest product, etc..... they will ask back when customer ask them.
sam325
post Jul 23 2010, 12:42 AM

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guys simple question

will i have my name printed on maybank visa debit card

that is an important matter for me to have my name printed

and if not what you guys suggest

any substitute with the same option as that card
TSMilesAndMore
post Jul 23 2010, 01:02 AM

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QUOTE(sam325 @ Jul 23 2010, 12:42 AM)
guys simple question

will i have my name printed on maybank visa debit card

No


QUOTE(sam325 @ Jul 23 2010, 12:42 AM)
that is an important matter for me to have my name printed

Why is it important, if you don't mind me asking ? Just curious.


QUOTE(sam325 @ Jul 23 2010, 12:42 AM)
any substitute with the same option as that card
- RHB Bank Cash Connect VISA debit card
- RHB Bank Cash Connect debit MasterCard
- Standard Chartered Bank e$aver debit MasterCard (instant)
- UOB Bank debit MasterCard
- All types of Public Bank debit card except Day2Day VISA debit card
- CIMB Bank e.MasterCard

For the RHB one, you'll have to wait around 2 weeks until you get the card through postal mail. You will also have to wait for 1 - 2 weeks for the UOB Bank debit MasterCard if you want your name to be embossed on the card and you will be charged a fee for this.

sam325
post Jul 23 2010, 01:14 AM

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will my name will be printed on any of them

well, i need it printed due to some security reasons that some companies they want to see the same name everywhere lol (anti money laundering or somethin like that)
TSMilesAndMore
post Jul 23 2010, 01:37 AM

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QUOTE(sam325 @ Jul 23 2010, 01:14 AM)
will my name will be printed on any of them

I have replied you in my previous post.

QUOTE(MilesAndMore @ Jul 23 2010, 01:02 AM)
- RHB Bank Cash Connect VISA debit card
- RHB Bank Cash Connect debit MasterCard
- Standard Chartered Bank e$aver debit MasterCard (instant)
- UOB Bank debit MasterCard
- All types of Public Bank debit card except Day2Day VISA debit card
- CIMB Bank e.MasterCard

For the RHB one, you'll have to wait around 2 weeks until you get the card through postal mail. You will also have to wait for 1 - 2 weeks for the UOB Bank debit MasterCard if you want your name to be embossed on the card and you will be charged a fee for this.
QUOTE(sam325 @ Jul 23 2010, 01:14 AM)
well, i need it printed due to some security reasons that some companies they want to see the same name everywhere lol (anti money laundering or somethin like that)
What ? You mean like when you shop ? If they want to check your name, they will request for your IC or driver's license.

This post has been edited by MilesAndMore: Jul 23 2010, 01:38 AM
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