byronong i suppose you are one of public bank team

anyway as i read from other collections of opinions that PB is a bit late in processing new applications for Visa Electron Debit Card

first question: why should this kind of application take that long time
as i know is not like CC that the bank need to check the history of the customer among some other checks as well

second question which is more important for me personally:
i have sent my application for visa electron last Monday 2nd of August . when i should check back to make sure of receiving the application and the improvement of the process

one more thing: i am a foreign student which i have been residing in Malaysia for almost 5 years and recently become a citizen spouse but still under student pass. is my profile able to be approved or not

please advise... thanks

Just some examples:
AMEX Gold CC gives 2.5% for petrol, groceries and few other stuff, 1% for the rest
PBB has lots of cash back promo - subject to tnc, ranging from 8% to 12%

Debit card normally can't match those

I see...you meant cash rebate. But I thought I saw some debit Cards also have cash rebate programme, perhaps not as attractive as ccard.
CIMB Mastercard can earn 5% cash rebate at Giant/Tesco/Guardians on weekends. This is awesome.

Yup, I agree that credit card cash rebate is better compare to debit card.

So i hope you will convince them to redesign the card. I think Public Bank did a very good job designing the already phased out Manchester United MasterCard. Public Bank's corporate color is red, the card's color can be predominantly red too.




Cash back is always preferable. And i hope Public Bank will soon review its cash back rewards program. I personally think Public Bank is just too stingy by giving us only 0.3% cash back on all transactions except petrol and groceries. Why can't you guys make it 0.5% just like the VISA Electron ? And instead of 0.8% cash back for petrol and groceries, why not give us 1% cash back ? I know that Public Bank did give 1% cash back for petrol and groceries last year but why not make it permanent ?


It is under MEPS network.


Yes. That is true. However, if you are not exactly a high spender, a debit card will serve you just fine especially with the stupid credit card tax in place.

This post has been edited by MilesAndMore: Aug 4 2010, 04:41 PM

Sure you can if your student pass is still valid. Normally it should be >10 days to be courier to your desired location.

are all the debit cards subject to annual fee?

Except Maybank VISA debit card, Maybank MasterCard Platinum debit card and Citibank VISA debit card.

Citibank debit card not bad, free withdrawals within citigroup ATM worldwide.

Hey guys, can charge-back be done with debit card in case the card is being used to make online purchases unauthorizedly or fraudulently?

p/s: I'm using Public bank day2day

wana ask you guys...are there any benefits if i swipe my PB Visa Electron for petrol?

No.

I'd like to know this as well.

Are we protected like Credit Card users are?

Hi all,

I have PB Visa Electron and Tunemoney for like 2 years. I've shifted house and I didn't really change my address. I didn't top up or use the card for like 2 years d, wonder what will happen to the card now? If I wanna cancel the card, how a?

TQ

Go to Public Bank and cancel it? stupid question -.-

No except for Hong Leong Bank VISA debit card.

Screenshot taken from HLB.com.my

That's kinda stupid... definitely gonna keep a tiny amount of money on my PB Visa Electron then. Or switch to HLB. /sigh

What about calling us if they detect large expenditures to confirm it wasn't fraudulent? I think I'm gonna be disappointed in the answer.

Its weird that you call it VISA / MASTERCARD but don't get the same security blanket that comes with the name.

@byronong
PBB should extend credit card protection to debit card users. You can even advertise and people will flock to PBB.

This post has been edited by frega: Aug 5 2010, 10:59 PM

feedback noted, will get further details on this.

But at any point, a cardmember should be responsible for his/her belongings.

For example, if you drop your wallet with RM1k cash, can you claim your RM1k lost from the government?

Its not about physically losing the card.

More in terms of use on the Internet, stuff happens. Like when vendors double, triple charging for something we bought. Or error in their billing system and randomly charging people.

For example, a few months ago, a MMO company charged its subscribers for 15-40 times when a billing error occurred. That's 40x USD $15. or 40x USD $45(3 months). or 40x USD$90 (6months). Someone people had 2 subscription on a single card. So family accounts were emptied to a point of overdrafting, those impacted hard had to loan money while the banks get all the funds returned (took a few weeks).

We need to be report these things as fraudulent billing and claim back our money. We need to be protected, even more so because its not on "credit" like credit cards are. No real danger, not till you have to pay that $5000 bill at the end of the month. With debit, money will be taken outta our accts.

Or, worse case scenario, our debit card info was stolen (electronically) and used to purchase stuff. Customer Service needs to flag huge spendings and notify us to confirm if we did spend all that money or if it was some thief doing it.

This post has been edited by frega: Aug 6 2010, 10:21 AM

from our PB Visa Electron Card Product Disclosure Sheet:

Liability for Unauthorised Transactions
In the event of card loss/theft, your maximum liability for unauthorised transactions is limited to
RM250-00, provided that you have not acted fraudulently or have not failed to inform us of your
debit card as soon as reasonably practicable after having found that your debit card is lost or stolen.
If investigation discloses that you are involved in the incurring of any unauthorised charges, you
shall be liable for all the unauthorised charges incurred, including financial charges, whether before
or after the Bank's receipt of such confirmation. It is expressly agreed that the Bank is not under a
duty to ensure that the Current Balance prescribed by the Bank is not exceeded.