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 Debit Card V2

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solsekuin44
post Oct 26 2009, 05:34 PM

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QUOTE(MilesAndMore @ Oct 26 2009, 10:33 AM)
You can use it at all stores displaying VISA and Mastercard logo.
Yes. The Public Bank Day2Day VISA debit card also serves as your ATM card to access your savings/current account over the ATM, just like Maybank Cherry series of debit card. The reward system for PBB D2D VISA debit card is better than Maybank Cherry series of debit card.

[attachmentid=1271684]
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I'm in love with my PBVE debit card..! rclxm9.gif
Highly useful for online shopping. Congrats on having version 2..
solsekuin44
post Oct 29 2009, 01:32 AM

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Yes, no RM50 charge to debit cards. This card rocks!!
By the way Miles, I still receive the physical statement even though already applied for online ones.
Hm, will this be the last physical statement they send to my address?

This post has been edited by solsekuin44: Oct 29 2009, 01:32 AM
solsekuin44
post Oct 29 2009, 02:33 AM

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QUOTE(MilesAndMore @ Oct 29 2009, 01:48 AM)
You mean you applied for the one in PDF format ? I didn't know PBB is offering online statement in PDF. Or just the regular page like the one below ? If it is the one like the screenshot attached then yes, you will continue to receive your paper statement every month.

[attachmentid=1277661]
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I see.. Yes, it is the same as the ones showed here. I thought once I applied for online statement, no monthly printed ones will be sent anymore.
Ai.. Have to change my address soon, am moving out. Thanks smile.gif
solsekuin44
post Oct 31 2009, 11:33 AM

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Miles, I need your help. What does this mean?

"The credit card you entered could not be authorized for this purchase. If you feel that this failure has occurred in error, please contact your credit card company."

I have already dealt with them before. What could possibly caused me this?
What should I do? I called PB customer care today but nobody answered. Thanks.

This post has been edited by solsekuin44: Oct 31 2009, 11:35 AM
solsekuin44
post Oct 31 2009, 09:36 PM

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QUOTE(MilesAndMore @ Oct 31 2009, 06:02 PM)
The WorldPay system managed by Royal Bank of Scotland (RBS) can't verify all Public Bank credit and debit cards. This happened to me before a few years back. A friend of mine also faced the same problem when he used his father's PBB Gold Mastercard to pay for registration fee to a university in Manchester, UK through WorldPay. His father called Public Bank credit card centre and they told him their system showed it as timed-out. They couldn't tell him what the exact reason was but this seems only to happen to WorldPay.

May i know which site did you try to buy the thing(s) from ? The site might be using WorldPay system ...
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It is calvinkleinjeans.com.. Ai, really want to buy something there. Last time I try to buy something but since it is out of stock, they cancel my order. My card is not charged at all.
Then, when I try to place new orders, this problem came up. So, how?

QUOTE(future80 @ Oct 31 2009, 09:17 PM)
mind to tell  what time u calling them?
then I can aviod that time for calling.
Customer Services Department   1-800-22-5555
customerservice@publicbank.com.my normal working hours

PB Card Services   603-2176 8000
custsvc@publicbank.com.my  24 hours daily, including holidays   (u called this number?)
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03-2176 8000, never answer my call sad.gif Pathetic.
I called them today around 11am-1pm. Please avoid calling during these hours. whistling.gif

This post has been edited by solsekuin44: Oct 31 2009, 09:42 PM
solsekuin44
post Oct 31 2009, 09:45 PM

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QUOTE(hihihehe @ Oct 31 2009, 09:41 PM)
is this thread including the debit card from oversea bank?
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This thread is about debit cards, including those of yours.. smile.gif What's the matter? Facing any problem?
solsekuin44
post Oct 31 2009, 11:18 PM

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QUOTE(qpalzm87 @ Oct 31 2009, 10:10 PM)
Called somewhere around 9am, 11-1pm, 4pm & latest was at 8pm
Called their PB card service number
Same here mate. Lousy service. But there was once, where I was really du lan, emailed them complained that I called 10 times and no one answering the phone. Later in the evening, one of their rep called. LOL.
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You can get through them by email? Maybe I should try that. Thanks!

QUOTE(hihihehe @ Oct 31 2009, 10:37 PM)
hmm..don't know my problem is solved or not..

is like this, i am using commonwealth bank(from australia) debit master card..
today i received call from the bank said that my debit/account details being stolen by someone and buy or make payment on something. she asked me did i make payment/transaction for those items..she list out the transaction and some i make payment my own self..but got 1 transaction i never make before..and i checked my bank transaction found out i lose few dollars(AU$2-3) but never show the transaction out(their bank system on updating transaction is very very slow)..actually this is 2nd time i lose few dollars but the 1st time i thought i got use on somewhere else so i don't care...n now is 2nd time so i feel worried

for example my account balance showed $100 but current balance is $97
then i said i never make such payment before. so they thought someone have my details and use it. they said maybe i lose my details in internet or buy something at not trusted website/phishing..they suggest to cancel my current debit card straight away and will issue and mail me a new card with different details + pin. and i agree with it

but now when i think back, i feel like the person who called me is fake..she never ask any of my bank details like password or account number..she just say out the transaction details..and she said i cannot transfer or use money via online from now on until they issue me a new card. but i try check my bank account just now, is still usable...

so u guys think the person call me is fake or real?thr maybe some word i missed out.. rclxub.gif
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Whoa, this sounds serious, am no expert but others might be able to answer this for you. How do you handle your oversea card when you are here? Is it ok? Sorry, am a newbie in debit cards blush.gif

QUOTE(MilesAndMore @ Oct 31 2009, 10:44 PM)
Yes. Why not  tongue.gif
Erm ... If i'm not mistaken, calvinkleinjeans.com is not allowed to ship any item to countries outside USA. This could be the reason they declined your debit card because your credit card is not a US-issued debit card. May be last time they did not update their system which is why last time your debit card got through.
There was once i called their credit card centre around 2am. Yes. 2AM. They did answer my phone. Something wrong with my PBVE and www.singaporeairlines.com couldn't verify my PBVE.
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Not accepting a non US-issued debit card? drugstore.com also mentioned this, but I've already done several purchases with them. Everything works fine.

So, what should I do then Miles? What you did last time? Should I call PB or not?
solsekuin44
post Nov 1 2009, 12:15 AM

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QUOTE(MilesAndMore @ Oct 31 2009, 11:44 PM)
Yeah. In fact they are not allowed to shipped any items outside USA.

By the way, drugstore.com huh ? Didn't you face any problem with the custom ? I personally had imported some vitamins from USA myself as well as some fragrances and body shampoos from strawberry.net in Hong Kong. At first there wasn't any problem. Then the last time strawberry.net shipped my order to me (several bottles body shampoos inside), the health authority confiscated all of them and they sent me a letter with a super threatening tone that they can charge me in court next time i do this.

I already paid RM500+ for all the body shampoos to strawberry.net. Of course i wasn't happy and decided to fight with them. I told them if i am not allowed to import any toiletries from overseas myself even only for personal use, then why didn't they confiscate all the previous shipments. I even showed them the boxes as well as the custom clearance letter from my previous orders when i went to see them in their office. After a series of argument with them, they finally gave up and returned everything to me. They did however, warn me not to import toiletries from overseas again. The whole experience was bizarre and i do not want to go through that again. So i have not ordered any toiletries or drugs from overseas since.
Yes. You should call them. Only PBB can help you now  smile.gif
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Let me be honest ok.. I use VSHub services. They gave me a US mailing address so that it can be used whenever I want to shop things in the US.

This address is given for free upon registering. Yeah, for sure the US merchants mentioned that they are not allowed to ship items outside US, but with this address, items are shipped there and VSHub shipped them back to Malaysia upon request. I bought in small quantities of shampoo though, a bottle of shampoo, conditioner and hair serum. The rest are cosmetics icon_rolleyes.gif Some clothings.

Can custom holds your items? Man, you even got a warning letter on that? shocking.gif

Hm, I felt like giving up on CK. Will try calling PB again, hoping that they answer me this time. Thank you.
solsekuin44
post Nov 1 2009, 12:40 AM

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QUOTE(future80 @ Nov 1 2009, 12:20 AM)
custom holds items with total more than RM500,
but I not sure whether all things/product also charge based on rm500?
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Hm, last time my total purchase is RM700 something. A pair of jeans and several makeup items. No problem with custom. VSHub did mention that, if the toiletries are in small quantities, there should not be any problem. This is also applies to electronic items.
solsekuin44
post Nov 1 2009, 01:40 AM

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QUOTE(MilesAndMore @ Nov 1 2009, 01:20 AM)
Oh i see. So it is a thing like vPost and Globeshop  biggrin.gif
Apparently they can  wink.gif
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Globeshop? Haven't heard of it.. Can they ship items to Malaysia? The shipping is cheaper or not?
I've known about vPost.

Let's just say the items are being held by custom, they'll contact us or we have to call them and check?
As of now, what debit card you use? smile.gif
solsekuin44
post Nov 1 2009, 09:27 AM

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Matters resolved! =) I called them at 6.30 am today, ahaha..
Thanks Miles for your help.

This post has been edited by solsekuin44: Nov 1 2009, 09:28 AM
solsekuin44
post Nov 1 2009, 04:18 PM

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QUOTE(MilesAndMore @ Nov 1 2009, 02:12 PM)
Globeshop is a service provided by Citibank exclusively to their credit cardholders. The is another one called Globaleshop and only American Express cardholders can use their service in Malaysia.

vPost as far as i am concerned, only provide their service to HSBC and UOB Bank credit cardholders in Malaysia. Not too sure which one is cheaper but your VSHub does look very expensive eh   sweat.gif

They will send you a letter.

Good to know  thumbup.gif
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I see, which is why I haven't heard of Globeshop.. smile.gif Have you tried those services?
Hm, I hate to say this, I thought things are okay, but they not cry.gif

Here's the thing, when I check my card account history, there's an authorized charges with the same amount of my desired CKJeans items.
However, CKJeans already mentioned via email that my transaction has been canceled and so does my order.

I called PB this morning, the officer said that I have to wait for 10 days after the date of transaction, and the amount will be credited back into my card. Ok, so believing that the amount is not enough inside my card, I deposit some more.

Around 10am today, I tried to make the same purchase. CKJeans brought me to the "Thanks for buying" page.
They even sent me an email with invoice of the deal. A minute or two later, they sent an email canceling my order.
Saying that my card could not be authorized!

Feel so frustrated. Now, CKJeans holds my payment twice. I called PB and he explained the very same thing.
Has no idea whatsoever that could lead to this matter.
The puzzling thing is, I've just booked and paid a room at Genting website this morning.
And everything is fine.

What's wrong with CKJeans? Or, is it my card?

This post has been edited by solsekuin44: Nov 1 2009, 09:24 PM
solsekuin44
post Nov 1 2009, 04:33 PM

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QUOTE(MilesAndMore @ Nov 1 2009, 04:26 PM)
Most likely not.
Yes. You can. You can do it over the ATM or through e-banking.
Yes. The problem lies within your card. CKJeans might not be able to process foreign issued credit or debit card because their management has imposed a restriction on it for online order. And in this case, PBVE is a foreign card to them because the company is in USA.

The reason they approved your order is probably because they were going to process your debit card offline, just like Amazon.com. They only found out it is not an American-issued debit card when they processes your debit card offline which is why they had to cancel your order.
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Oh man, this is troublesome.. They made me happy for a while, and made me frustrated the other minute. Ai..
Hm, just for share, below is the list of merchants from which I've already done the transaction:

SUCCESSFUL

-Benefit Cosmetics
-Amazon.com
-Drugstore.com
-Evisu.com
-Genting
-MAS Airlines
-Airasia
-VSHub

UNSUCCESSFUL

-CKJeans cry.gif

Oh, btw Miles, is there any charge if I want to withdraw any amount from my PBVE at the ATM?
Thanks.

This post has been edited by solsekuin44: Nov 1 2009, 09:26 PM
solsekuin44
post Nov 1 2009, 09:21 PM

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QUOTE(MilesAndMore @ Nov 1 2009, 04:26 PM)
The reason they approved your order is probably because they were going to process your debit card offline, just like Amazon.com. They only found out it is not an American-issued debit card when they processes your debit card offline which is why they had to cancel your order.
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So, how come Amazon didn't cancel my order like CK? Why CK is that strict on this matter? sad.gif Sedih..
This thing only applied to debit card? What about credit?
Hm, meaning that we can't get anything from CKJeans?

QUOTE(MilesAndMore @ Nov 1 2009, 05:17 PM)
No charge at all. You will need to withdraw it as cash advance but no worries, it is not a cash advance actually. When you are at the ATM, select cash advance and it will automatically dispense RM200 or RM250 but then the last time i did it was back in December 2007. Not sure if anything has changed since then.
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Ok, thanks a lot Miles! I'll try and let you know how it goes..
solsekuin44
post Nov 1 2009, 09:30 PM

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QUOTE(MilesAndMore @ Nov 1 2009, 02:12 PM)
Globeshop is a service provided by Citibank exclusively to their credit cardholders. The is another one called Globaleshop and only American Express cardholders can use their service in Malaysia.

vPost as far as i am concerned, only provide their service to HSBC and UOB Bank credit cardholders in Malaysia. Not too sure which one is cheaper but your VSHub does look very expensive eh  sweat.gif
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Yeah, VSHub is expensive. But if you combined many parcel altogether, it becomes cheaper.
What to do.. This is the only way for me to get stuff from the US.
Let me know if you know of any similar service provider. wink.gif
solsekuin44
post Nov 2 2009, 12:15 AM

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QUOTE(MilesAndMore @ Nov 1 2009, 10:37 PM)
It is the same with both debit and credit card. AMAZON can process your order because they do accept foreign credit and debit card. CK on the other hand, most likely can't process a foreign issued credit and debit card.
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I see.. Now I understood. Thanks again =)

QUOTE(MilesAndMore @ Nov 1 2009, 10:37 PM)
If they cannot process any non-US issued credit and debit card. Then the answer is no. Unless you can get a US issued credit or debit card.
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How to get a US issued credit or debit card?
Is it possible for us to do so even if we live here?
solsekuin44
post Nov 2 2009, 03:25 AM

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QUOTE(MilesAndMore @ Nov 2 2009, 12:42 AM)
For us to get a US Credit card is impossible. Because we have no credit score history in the USA and a US bank can only issue you a credit card if you have a credit score history. One builds up his credit score rating initially by using a debit card. That is how it work in the USA.

As for debit card ... No. I don't think that is possible. There are some threads here in lowyat.net about how you need to pay RMxxx first and then they will send you a package and they will help you to open an account at one of the four largest banks in USA namely Bank of America, Chase, Wells Fargo and Citibank. HSBC is also listed. But then i do not think that is true  smile.gif
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Wow, there's a credit score rating there? How's in Malaysia? Any rating given based on transactions done?
Oh, about 'paying some, get the card later'. I came across the topic somewhere before but not really interested that time.
I don't trust it too.. Maybe, those who experienced the service could share here?

QUOTE(darenong @ Nov 2 2009, 02:19 AM)
MilesAndMore sounds like a fraud ? send them money n they`ll help you to open an account ?  so if they didnt reply ur msg after u already sent the money .. u`ll know for sure what happen ??? hehehe ... actually if its true can open the acct this way i wanna try haha  whistling.gif  but seriously ... sounds like criminal act .... hmm.gif
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Avoid it if it's not clear. Always ask and research brows.gif
solsekuin44
post Nov 3 2009, 02:09 AM

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Guys, just to share. This is the explanation made by CKJeans regarding the failure to process my order, payment made by PBVE debit card:


"Thank you for shopping with calvinkleinjeans.com.

This could be due to a number of things. Please make sure you are
placing the order on a computer with a US IP address. The order must
also be placed with a credit card that has a US billing and shipping
address
. If you feel this has been cancelled in error, you may contact
customer service at 1.866.804.1584."


Miles, you were right. wink.gif

This post has been edited by solsekuin44: Nov 3 2009, 02:10 AM
solsekuin44
post Nov 4 2009, 02:22 AM

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QUOTE(wcs2798 @ Nov 4 2009, 02:10 AM)
u can use US proxy server setting to act as US IP address
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But still, they can't process the card right? Can they? Have you ever tried it? smile.gif
solsekuin44
post Nov 5 2009, 07:21 PM

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QUOTE(MilesAndMore @ Nov 5 2009, 04:15 PM)
Just a note to all Public Bank Day2Day VISA debit card users. You can now set your preferred daily purchase limit at any Public Bank ATM nationwide. The lowest amount is RM0 and the highest is RM5000. Previously it was all set at RM2000 per day maximum and you can't change it.
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This is applied only to cards linked to a saving account? What about PBVE?
My younger bro is still in school, and he's been asking my parents to get him one. Can we set a limit to his card?

I mean, what if he spend more than he should for a month?
Besides, he's still in school tongue.gif

This post has been edited by solsekuin44: Nov 5 2009, 07:22 PM

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