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 Debit Card V2

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cshong
post Jan 5 2011, 08:54 PM

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Beside public bank visa electron card, can someone tell me what other debit card (from any bank) that is not linked to your bank account or the card account will be a separate account?

This post has been edited by cshong: Jan 5 2011, 08:54 PM
cshong
post Jan 6 2011, 04:59 PM

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QUOTE(howszat @ Jan 5 2011, 09:12 PM)
I suspect very few cards fall into that category. Some banks, eg RHB don't even provide that option at all AFAIK.

I don't use PBVE much anymore, but I'm keeping it because of that feature, for internet purchases.
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QUOTE(MilesAndMore @ Jan 5 2011, 11:06 PM)
EON Bank has a few. Go to their website to check them out.
You can do this over the counter or at their cash deposit machine.
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So, for other cards which don't have that feature, the solution is only open another bank account for those cards while we use the basic ATM card for our main bank account?
cshong
post Jan 7 2011, 05:53 PM

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QUOTE(MilesAndMore @ Jan 6 2011, 08:31 PM)
Yeah. I guess so.
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Ok, Thanks!
cshong
post Jan 7 2011, 05:56 PM

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Do anyone of you ever use a debit Mastercard / Visa to pay for super expensive amount? I mean at least thousand.

My college accept debit card. My mom going to use her own Visa debit card (RHB Bank) to pay for my school fees which cost RM6xxx at the counter in my college soon. Hopefullly, it will pass through.
cshong
post Feb 6 2011, 06:51 PM

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QUOTE(caster64 @ Feb 6 2011, 01:12 AM)
hello,
anyone here know how to verify moneybooker using Debit Card (maybank)
i already create moneybooker account but they need me to verify my visa debit card
a msg appeared as i enter a random amount
| -->You have entered the incorrect amount.
| You must wait 24 hours before we will allow you to make another attempt.
| Our service department will be unable to assist you during this period.
Important:
|
|
| Please check again on your statement for the exact amount in EUR.
| If your credit/debit card issuer does not show the amount in EUR, you cannot verify your card with Moneybookers.
| Do NOT try and guess the amount!<--

where can i check debit card transaction statement history so i know the exact amount?

thanks in advance..^^
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I think you can check the transaction history online using online banking.
cshong
post Feb 6 2011, 09:37 PM

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QUOTE(Amanda85 @ Feb 6 2011, 08:59 PM)
haha...i thought gonna earn some from the rebates..

juz a curious note..wat do PB earn from us? as i heard no annual fees also
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They earn from the transaction we made. Do note that merchant need to pay some cost for every credit / debit card transaction. I believe the card issuer also earn some funds from that cost.
cshong
post Sep 1 2011, 08:50 PM

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Is there any debit Visa / MasterCard in Malaysia that can be used for Telephone transaction?

This post has been edited by cshong: Sep 1 2011, 08:50 PM
cshong
post Sep 4 2011, 12:24 PM

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I would like to ask some questions here.

A lot of hotels do not charge our credit / debit card at the time of reservation through their official website. For these hotels, our card will only be charged during check-in. Most of the hotels which applied this policy clearly stated on their website that debit card are not accepted. However, some of the hotels which applied this policy clearly stated that if we use a debit card to do reservation instead of uaing a credit card, our card will be charged immediately at the time of reservation through their website.

My questions:
1. If we use a debit card (e.g. MasterCard / Visa debit card) for online transaction, do the online merchants can detect that we are using a debit card?
2. If yes, how they do it?
cshong
post Sep 4 2011, 05:53 PM

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QUOTE(hye @ Sep 4 2011, 01:08 PM)
Apologies for the late entry.
Hotel use a pre-booking feature when you book a room in advance. When happens is that they use their terminal/system to "charge" your card but stop short of posting the transaction. It is something like taking money from you but in this case it is the bank's money being used to guarantee your room. If no show or your do use the room then the bank will charge you.

Back to the original question - Yes, likely via your card numbering system which "tells" their system yours is a debit card. (Similar to how the system can recognize a credit card principle or supplementary) The cashier/front desk would not be able to tell just by looking at the card. And note my earlier answer ... the pre-booking system technically takes money from you but in actual fact the bank's money is being used to guarantee you. However, in the case of debit cards .... well there's no bank's money, it is the card holder actual money being used!

I don't see it to be a problem to the whole idea unless no show happens or there's some uncertainly about the booking.
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I just checked my mom's PBB Visa Electron number. The starting prefix cannot be found on http://en.wikipedia.org/wiki/List_of_Bank_...ication_Numbers and other websites, or may be these websites are out of date. Are those merchants website will connect to any system to check?

No offence. I just interested to know how the system work.

This post has been edited by cshong: Sep 4 2011, 06:01 PM
cshong
post Sep 4 2011, 07:38 PM

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QUOTE(hye @ Sep 4 2011, 06:41 PM)
As you mentioned ... not everything is listed. Merchants website are connected to bank's gateway system which authenticates the card. No, these are private information held by the banks and I'll prefer it to be this way. I don't feel safe if such information can be checked publicly online.
Thus it is the system that will know what sort of card you are holding, etc. and the person manning the system simply reacts to the information posted.
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Mean that the bank's system will check whether our card is debit card or credit card, but the merchant's system will not know about it?
cshong
post Sep 4 2011, 08:50 PM

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QUOTE(hye @ Sep 4 2011, 08:04 PM)
I think it is easier if you were to say what is your concern actually ? Seems like you are paranoid or afraid about something.
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Ok. Just skip the issue on whether the merchant will know we are using debit card.

All my concern is about using debit card to do advance booking for services that we will only be charged at the time we start using it (e.g. hotel), then that "service provider" refuse to accept debit card during the verification process with their staffs but our bank still put our funds on hold. If we use our debit card to do online reservation for hotel that only charge us during check-in, the bank hold our funds to guarantee the reservation, and we are required to show our card for verification upon check-in at the hotel, but unluckily during check-in the hotel refuse to accept debit card but the funds hold by the bank still haven't being refunded to our debit card account, then there will be problems.

I just hope that I won't have to apply credit card just for hotel booking.

This post has been edited by cshong: Sep 4 2011, 09:18 PM
cshong
post Sep 4 2011, 11:12 PM

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QUOTE(hye @ Sep 4 2011, 10:08 PM)
Nothing you can do about this as this is the hotel's policy. Generally it should be OK but I believe hotel policies changes because of so bad hats who manipulates the system causing the hotel to change their policy. I think you are being too paranoid on the second part as this is a hypothetical situation only. Hotels are commercial entities, they will be happy so long you are able to convince them of your ability to pay for the services that they provide.

A suggestion, instead of using a "guarantee" system at check in - ask the bank to charge and post the amount immediately. If they are worried about you using the mini bar or what not then offer to pay them at check out or top up the deposit using cash. I'm sure they will be more than happy to accept your money. But if you flinch and squirm with a million excuses when they ask you then their next reaction is obvious. Put yourself in their shoes ... would you risk yourself not getting paid or getting a bad customer ? They would rather reject you, lose a customer and ask you to try elsewhere. This sounds cruel but this is the reality of things.

As I mentioned, hotel require a form of guarantee and they used to ask for cash in lieu of credit / debit cards. So long your account have sufficient cash then it should be OK. Do note that while rooms can be e.g RM100 but the guarantee required can be higher e.g RM250 and this is the required deposit per day. So if you are staying for 3 nights, be prepared to have a minimum of RM750 in your account which you cannot touch between the time you book the room until you check out and sometimes until the merchant (hotel) makes the final posting. (Which can be up to several days after you check out)

And ... take some time to understand the concept of transaction date and posting date. This impacts you as well because your card is being "used" for the room security for an extended time.

You see, the rules are simple ... have enough cash in the account and don't touch it. If you are unable to do so for whatsoever reason then work on cash.
I think you are thinking to free up cash and work on just in time basis. NO, you can't work that way as liquidity of funds is required in your account.

If you can understand the above then you'll understand why sometimes hotel reject debit cards. Simply because no one took the time to understand the system and when the hotel loses money, they just reject debit cards. There's nothing wrong with debit cards ... it is all due to the people who use and abuse it.
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It is definitely nothing wrong with the debit card. I enjoy using debit card to pay for something online. Most of my bills are paid online using debit card.

I understand what is transaction date and posting date. Don't worry.

If the hotel refuse to accept my debit card even though there are enough funds in my account, I just pay by using cash. If the bank will automatically release the hold on my funds in just a few days after I check-in or after I tell the bank that I am paying to the hotel by cash, without require any more hassles, then I have no problem.
cshong
post Sep 4 2011, 11:32 PM

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QUOTE(howszat @ Sep 4 2011, 10:14 PM)

Added on September 4, 2011, 10:18 pmJust to add on to my previous post, hotels would accept cash or credit card as guarantee, but NOT debit cards. That is, going by the 2 hotels in Singapore I visited last year.
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This there are a lot of hotels in Malaysia do the same.

For the hotels that accept both credit and debit card, most of them directly charge us at the time of reservation.
cshong
post Sep 7 2011, 02:37 PM

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I would like to ask some questions about Public Bank's Day2Day VISA debit card.

For the Public Bank's other debit cards that do not link to our bank account, we can view the "Authorised charges" by using online banking. "Authorised charges" mean the transactions which the funds that has been deducted from our debit card account's available balance but has not been send to the merchant. Since the Day2Day VISA debit card linked to our bank account, if we use the Day2Day VISA debit card, can we view this "authorised charges" through online banking?

This post has been edited by cshong: Sep 7 2011, 02:39 PM
cshong
post Sep 7 2011, 04:46 PM

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Another question here. Usually after we converted our ATM card to the Day2Day VISA card by visiting Public Bank branch, how long we need to wait before we can enroll the "Verified By Visa"?
cshong
post Sep 7 2011, 06:49 PM

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QUOTE(MilesAndMore @ Sep 7 2011, 06:02 PM)
Well, you can do it at night after 6pm.
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I just converted my ATM card to this PB Day2Day VISA card at around 1.xxpm today. Tried to enroll the "Verified By Visa" online, but keep on failed with message "Validation failed. Please try again." for a few times already even though I entered correct information. Just called public bank's card service department. The customer service staff told me "Verified By Visa" can only be enrolled on next day. So, lets see what will happen tomorrow.

This post has been edited by cshong: Sep 7 2011, 06:57 PM
cshong
post Sep 9 2011, 09:18 AM

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The "Verified By Visa" enrollment was success.
cshong
post Sep 9 2011, 06:27 PM

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QUOTE(alexwsk @ Sep 9 2011, 10:22 AM)
patience is a virtue laugh.gif
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Agree. I don't mind if it need 1 day or a few days. But when I convert my ATM card into this visa debit card, the staff who served me should told me this. And, the enrollment website should have a FAQ section that told me this, so that I no need to call their customer service to ask.
cshong
post Sep 16 2011, 10:54 PM

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I would like to ask a question about online banking for Public Bank Day2Day VISA card.

If we use other public bank debit card that not linked to our bank account, when we check the transaction history by login to public bank website -> go to "Account Inquiry" -> "Transaction History" -> "Credit/Debit card", then select our debit card and Inquiry type and then click on "Submit" button, we will be seeing the "posting date" and the "transaction date". The "transaction date" is the date we perform transaction while the "posting date" is the date the funds sent to the merchants.

In order to prove to the merchants that we already paid the amount, both the "transaction date" and the "posting date" are very important.

I had linked my paypal account to my Day2Day Visa card.

I checked my transaction through online banking. On public bank website, when I go to "Account Inquiry" -> "Transaction History" -> "Deposit Account, then select my bank account and Transaction Period and then click "Submit", only one type of date is shown - "Transaction Date". However, the "Transaction Date" shown in the same row with my paypal confirmation ID is not the day I tried to link my paypal account with my card, the date is the day the funds sent by public bank to Paypal. Means the "transaction date" shown is actually same as the "posting date".

When I try to find the actual "transaction date" by going to "Account Inquiry" -> "Transaction History" -> "Credit/Debit card", the message "Your Request Could Not Be Executed. You Do Not Have The Relevant Account(s) For This Feature." was shown.

Are these normal? How can I view the actual "transaction date"? Lets say I pay for something online by using Day2Day Visa card on 13 September, the "posting date" is 16 September, how or where can I find the transaction date 13 September?
cshong
post Sep 17 2011, 09:06 AM

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QUOTE(MilesAndMore @ Sep 17 2011, 12:47 AM)
Anyway, i have never used my PBB D2D VISA debit to pay for anything expect for petrol and groceries (last time i used it was more than a year ago) but i seem to remember there is a transaction date column in PBB Online. And for certain transactions posted at a later date, you can refer to the actual transaction date in the transaction history column.
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For the Day2Day card, the transaction date showed is not the date I attempt to pay the money. It is the date which the bank release the authorised charges and send the funds to the merchant.

This post has been edited by cshong: Sep 17 2011, 09:07 AM

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