I think from previous threads, the conclusion was PBVE can do just about everything a CC can.

How long does RHB take to process a Debit Card application? Anyone applied for one recently?

Ah, Miles the resident Banking expert, thanks They can issue a personalized named card on the spot? A lot better than Visa Electron which took almost a month.

That's exactly what I want to do - convert to Debit card - why didn't they invite me?

It says "Valid for transactions made on Movies, Dining, Air Tickets and Hotels".

Is it applicable to overseas spending as well?

RHB Debit Card recent weekend cash back promotion was pretty good. Quick payout, and I got something back unlike other banks which was so restrictive that all I ever got was the 0.5%.

Why do you need access to an ATM machine when you are holding a debit card and have access to the internet?

Wouldn't it be easier to use a debit card from the same bank (where the funds are kept), so he doesn't have to find an ATM machine to make deposits in the middle of the night?

You can still transfer from savings to a debit card that is not linked so that can't be the reason.

Apparently, some retailers add on the service charge for Debit cards, but NOT Credit cards. Anyone come across this?

One disadvantage of a Debit card:

When you check into a hotel, they will normally ask for a Credit card as a deposit/guarantee.

I traveled recently without a Credit card and found they wouldn't accept a Debit card, but asked for a cash deposit instead.

If you have a card that you will never use for any online transactions, is there any point/reason to get it Verified by VISA or MasterCard SecureCode?

That would cut down the choices somewhat for the *****. Unless the ***** is spectacularly choosy about what he/she buys, he/she could still do damage to the maximum. At least until such time as ALL sites require that extra verification.

But I take your point.

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.

No wonder the mods created a sub-forum, this Cards topic is hot!

The last card I applied for took nearly a month. I suspect it is the same for all cards.

Is it possible to link/register a new PB Debit card with an existing pbebank.com account online or via the ATM?

Or the only way is to go to the bank branch?

Yes, just had it done at a branch.

And how unbelievably inefficient they are at this:

- when you first apply for the card, this should already be part of the form asking about what you want to do, and sign your requirement at the same time.

- when you pick the card at the branch (if you chose that option), they should at least let you know you need to sign up for linking and do it at that point, without having to go back to the branch, again.

- if your IC number and name match on Debit card application and the existing pbebank.com login, they should just let you do all this on-line.

No need to waste time in traffic, parking fees and waiting in queue for their Customer Service to fill in those *** forms.

Some banks allow for the Debit card annual fee to be waived, if you have sufficient swipes, and if you asked them.

Anyone tried it with RHB?

Interesting question.

Haven't come across anything that discusses debit vs credit cards, if such a discussion is even meaningful, but I'll contribute a few cents. For me, not necessarily in any order:

- debit cards don't have that RM50 tax
- credit card fees are more than debit cards
- I use not-linked-to-anything debit cards for internet purchases - I only deposit what I expect to spend plus some
- I have no intention of using the credit facilities
- for my type of purchases, credit card rewards are not better than debit cards
- credit card applications ask too many questions
- debit cards can do everything I need, except one situation - hotels don't accept debit cards as deposit when you check in