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 Debit Card V2

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Gen-X
post Oct 29 2009, 08:22 PM

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With the coming soon RM50 tax on CC, MC/Visa debit cards usage is sure to increase as it give the same cashless convenience and it is nice to know that banks are offering more benefits. Just saw that citibank is giving 8X rewards points for petrol with use of their debit card.

http://www.citibank.com.my/APPS/portal/loa...et/8X_promo.htm
Gen-X
post Jan 30 2010, 12:22 AM

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QUOTE(jonuslee @ Jan 30 2010, 12:04 AM)
hi guys. i want to ask which bank credit card offer the longest 0% installment period?
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you should ask this in CC pinned thread. The is no bank offering true 0% installments but PB and CIMB do offer installment plans up to 24 months but there's a handling fees (upfront fee) of 2-4%. Go check their website for more info.

Usually for true 0% installments, it is offered by merchants e.g. Dell & Harvey Norman. And also before you commit into an installment plan advertised by merchants, do check out the street price of the item you wish to get and compare it to the amount you will end up paying with installment plans advertised by merchants (usually at RRP with no discount).
Gen-X
post Nov 10 2010, 05:43 PM

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Wanted to get a PBB Electron card for my 13 year old son but the bank closes at 4pm which is about the time my son finnish school and also the card would only be sent like after a week or more. So today when to HLB this morning to get him Junior Prepaid Card. Card issued on the spot without needing my children to be present thumbup.gif Also got the HLB prepaid card for my youngest daughter who is below 12. Reason for getting them debit card is mainly for their itunes account to purchase apps.

Just came back from HLB, deposited RM100 into account and when check balance, can withdraw up to RM90 only. I guess have to maintain minimum RM10 at all times like PBB Visa where need to maintain RM12.
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post Nov 11 2010, 01:08 AM

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QUOTE(saw2001 @ Nov 11 2010, 12:36 AM)
What is the best debit card to buy Itunes products?

I am not over 18 yet.

Cheers
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My daughter 16 years old got Public Bank Electron where she can purchase apps with her iTunes account and puchase other stuffs (mostly clothes) online. Also you will note from previous posts here that this said card also can register for pay pal. However your parent/guardian need to sign the application form. The card will only be sent to you about 10-14 days time.

This post has been edited by Gen-X: Nov 11 2010, 01:10 AM
Gen-X
post Nov 12 2010, 12:22 AM

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HLB Junior Debit card failed to be used for iTunes. So called CS and was informed need to goto HLB online to "activate" online transaction for the Junior Debit card. So went to ATM to get Internet Pin but the stupid Junior Debit Card is not permitted to get internet pin. So called CS again and was told under 18 cannot get internet pin doh.gif I have to register for HLB online under my name and then add my children HLB Debit Card into my account but I don't have HLB ATM or Debit card and was told cannot use my credit card to get internet pin.

So now I have to go to HLB branch to get myself an ATM or Debit Card in order to sign up online and "activate" my children HLB Debit Card for online transaction. Damn troublesome.

For those who want to do transaction online, just go get Public Bank Debit Card (anyone above 12 with IC can get one) and save all the hassle. Only thing about PBB Debit card is that it is not issued on the spot and takes about 10 -14 days to get the card.

By the way, was told by HLB CS that they issuing Priority Banking Debit Card soon.
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post Nov 19 2010, 11:55 PM

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QUOTE(rickkywong @ Nov 19 2010, 10:14 PM)
yahoo... rclxm9.gif got my Alliance Plat Debit today with 1.5% cash back on any retail transaction...the best debit card in the market at the moment.. thumbup.gif
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well, Premier debit better lah giving 2%.
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post Nov 22 2010, 10:08 PM

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QUOTE(MNet @ Nov 22 2010, 09:57 PM)
It's a question we face daily that still leaves most of us mystified: "Debit or credit?" Here, courtesy of Consumer Reports' Money Advisor, are seven reasons to opt for credit:

Credit costs you less. Some banks charge customers for so-called in-store "PIN-based" debit-card transactions. Fees range from 25 cents to $1, depending on the bank, Money Advisor reports. By choosing a "signature-based" transaction, you sidestep these fees.

Credit won't result in a hold on your account. When you use a debit card to reserve a hotel, rent a car or even fill up your tank, vendors sometimes put a "block" on your checking account until the transaction is processed -- and the amount of the block can significantly exceed the purchase price. Using your debit card to buy $25 worth of gas, for instance, may result in $100 of the money in your account being "blocked." If you're running a low balance, this can result in punishing overdraft charges.

Credit gives you an out. Using a traditional credit card makes it easier to reverse the charges if you get into a dispute with a merchant or vendor.

Credit shields you from liability. If someone gets hold of your credit card and wracks up a laundry list of charges, you're typically responsible for only $50 worth of fraudulent charges. If you're unfortunate enough to have your debit card stolen, you may be liable for as much as $500 in unauthorized purchases, unless you report the theft within two business days.
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Above not really applicable to us. For CC, max liability is RM250 in the even of fraudulent charges. Debit Card I got no idea.

Also there are no charges for using debit cards for transactionsin Malaysia but in some cases the card actually gives you cash rebate.
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post Nov 22 2010, 11:40 PM

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QUOTE(bobbey @ Nov 22 2010, 10:41 PM)
just a question here.. if i want to apply for PBB debit card, do i need to open new account at PBB? and if i swipe at any merchant, do they apply extra charge?

thanks..
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No, you do not need to open an account with PBB. Three of my children now have PBB Electron card and non of them have any banking account i.e. savings account with PBB. As for Electron card, you will get a monthly statement.

As for swipping at merchants, some do impose surcharge especially "smaller" merchants but generally no.

This post has been edited by Gen-X: Nov 22 2010, 11:41 PM
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post Nov 23 2010, 12:05 AM

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QUOTE(bobbey @ Nov 22 2010, 11:47 PM)
so, we only will pay the amount based on the monthly statement? or must have balance on our debit card acc?
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As for the Electron Card, you have to deposit money into the account (if the card is not linked to savings account) once you get the card and you can swipe or withdraw cash from it anytime after that but you got to maintain minimum RM12. The monthly statement shows your opening balance, transactions and closing balance for the month.

This post has been edited by Gen-X: Nov 23 2010, 12:07 AM
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post Nov 28 2010, 08:20 AM

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QUOTE(davidlim95 @ Nov 27 2010, 05:46 PM)
can debit card be sign up by kids biggrin.gif
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yes, it should be signed by the card holder. No problems using it at merchants where my kids sign for the transactions.
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post Dec 2 2010, 06:55 AM

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QUOTE(he-sham @ Dec 1 2010, 11:19 AM)
purposely having dinner @ KFC & ordered over rm30 to enable me 1 transaction of debit mastercard promotion of free night stay in genting.

before that i ensure there's mastercard logo accepted @ the KFC's door & there's no notice that they couldnt accept card.

the moment i handed them my card (alliance bank debit mastercard), they gelabah already said card cannot laa.. i said try first... then the cashier tried...& it certainly not working.... i gave my Citibank Visa Debit ATM.... also cannot... then i used cash to settle it... missed opportunity there... if i know i would rather eat at mamak then...

when transaction didnt go through & took long time, i sometime felt embarrassed... did u all feel the same ?? sure peoples queuing up behind us said "why dont use cash...faster...dont have money kaa ??"
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at KFC I often experience some kind of "problem", either no line or something. But I will insist that I want to use my Direct Access Credit Card as I get 10% rebate. Actually sometimes they just don't plug in the line. Once at Subang Parade KFC made others wait 10 minutes until it can work, who cares what others think, it is my right to use card since they have the signboard stating that they accept MasterCard.
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post Dec 2 2010, 10:05 PM

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Today I went to HLB to get TAC and HLB online password for my ATM card so that I can register for HLB online account in order for my children age 10 and 13 to register for iTunes account with their HLB Junior Debit Card. However for the iTunes account, my children had to state age above 18 (i.e. born before 1991) doh.gif else cannot register. So to those who want to use HLB Junior Debit Card for Internet - firstly you (the parent) got to register for HLB online (if you don't have one) and then add the child's debit card account into parent account and set Internet Spending Limit. Damn troublesome just to register iTunes account with HLB Junior Debit Card but I guess this is good so that the child cannot simply buy things from Internet if the parent does not allow them to do so.

My son age 13 also applied for Public Bank Electron card, but as usual, PBB damn long to process. He applied more than a week ago, and after approval have to wait again for the pin number. All in all, Electron would take about 3 weeks to get the card activated. However Electron easier as no need have online account with PBB and can use the card immediately for Internet Transactions once activated.
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post Dec 10 2010, 03:43 PM

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Everytime my children use their HLB Junior Debit Card buy iTunes apps, HLB will call me to confirm doh.gif

The point is I already set a limit they can spend with their cards and have less than RM100 inside the account. Told the girl, for iTunes no need call me anymore.

As far as I know for PBB Electron card, PBB never call up to check when my other daughter use it for iTunes or other internet transactions. My son's Electron card received yesterday, took more than 3 weeks to approve and get in on hand.
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post Dec 26 2010, 06:39 PM

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QUOTE(Imsilly @ Dec 26 2010, 11:32 AM)
I'm 16.Trying verify my Paypal account but I need a debit card.Could anyone recommend me an easy to use without much requirements?
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yah, as mentioned by MilesAndMore, PBB pretty good for pay pal, go to pay pal thread to read more. You don't need to have a PBB Savings Account to have PBB Debit cards as you can deposit cash into the account thru the cash deposit machine. iHowever since you below 18, your parent or guardian need to sign the form too, so remember to drag them along to PBB branch. PBB everymonth will sent you a statement which is good.

And I guess might as well get PBB/Esso since you be 17 next year and can have driving license.

This post has been edited by Gen-X: Dec 26 2010, 06:41 PM
Gen-X
post Jan 2 2011, 08:36 PM

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I wanted to do auto debit using my Debit Card but DiGi don't allow sad.gif

Maxis on the other hand can.
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post Jan 8 2011, 09:04 PM

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QUOTE(cshong @ Jan 7 2011, 05:56 PM)
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.
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Before you go pay your tuition fees, better you check your mum's debit card daily withdrawal limit. She can have RM1M in her account but if she had set the limit to RM5K per day, then she won't be able to settle your school fees of RM6K on that day with her debit card.
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post Jan 15 2011, 12:11 PM

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Just wrote an article for my blog called Ringgit Wise Fool about iTunes Account for children and what Debit Card to use. Is it more like an article for parents wanting to get Apple iTouch/iPhone/iPad and signing up for iTunes Account for their child.

In a nut shell -

if you are 13 years and above with a MyKad, go get Public Bank Debit Card as it is the most convenient one to use for online transactions and easily sign up Pay Pal with it. You'll need your parent or guardian consent on the application form so drag them to Public Bank.

if you are 13 and below ask your dad/mum go read my article below tongue.gif

http://ringgitwisefool.blogspot.com/2011/0...ren-itunes.html



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post Apr 3 2011, 08:17 AM

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QUOTE(altecphoto @ Apr 3 2011, 02:20 AM)
Anyone knows how long does it take for the PB Esso mobil card to be approved? I applied mine at the damansara jaya branch for almost 2 weeks already, sitll no reply from them.
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Public Bank is kind of slow is processing the card. but since, it is two weeks, there should be some info in their system i.e. application being process or approved or rejected or not in system.

Call Public Bank Customer Service and check on your application status, for PBB card services, the contact number 603-2176 8000 or click link below
http://www.pbebank.com/en/features/contactus.html

After getting the card, have to wait again for the pin number via normal post before you can use the card.

PBB really slow, last time my son above 13 applied for it and since he couldn't wait (wanted to sign up for iTunes account) for PBB Debit card, got him HLB Junior Debit Card also which was issued on the spot at the branch.

Parent wanting to get a Debit card for their children age 7 to 17, click here to read my article titled Parent Children iTunes

This post has been edited by Gen-X: Apr 3 2011, 08:18 AM
Gen-X
post Aug 18 2011, 09:51 AM

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QUOTE(newuserex @ Aug 18 2011, 09:31 AM)
I'm regret getting You nique debit card from Alliance bank(cant do online transaction). Public Bank Debit Card maybe is still the best but CS hard to call in this month, currently cant perform online transaction because wrong PIN & want to call them to unlock. I try calling them again later.
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you didn't ask when you got the Alliance Debit Card? All Alliance Debit cards cannot do online.

Yes, Public Bank good for online.
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post Sep 27 2011, 08:58 AM

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Just read in The Star, 10,000 free tickets up for grabs with your MasterCard Debit Card. Buy 1 Free 1 at GSC (no matter how many tickets you buy, you are still only entitled to 1 free ticket).

Miles, time for new V?

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