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Added on September 18, 2009, 7:25 pm
no idea wat u talking about....

My CCs were just being fraud 3 days ago to make a total of 5 payments to Astro with a total amount of RM1000. Happened to 2 different CCs one had 3 transactions for maybank CC and another one had 2 for public bank CC so its just a reminder for everyone to make sure the safety of their CCs.

Please keep yourself updated with the transactions going on your Credit Card frequently so you can inform the bank immediately if there is any suspicious transactions.

I wonder why that person only fraud to make payments for Astro though and it happened to 2 different CCs on the same day. My cards have always been safe with me.

Just to add, someone mentioned UOB have been bring forward his statement date, well I checked mine and it is still the same for the past 1 year.

It's only a marketing gimmick. Even public can apply for SCB VI now.
I didn't apply for SCB Plat cc as I have already got other SCB cards. Even if I apply for it, I won't be given RM100 as the welcome gifts will only be given to new customers.

Except the various PB privileges, other features of the SCB PB VI are same as the normal SCB VI.
SCB did give RM50 rebate as an early bird incentive to 1st 1000 approved Just1 cardholders. Besides, it also gave 5000 choice points to each Just1 members as a welcome gift. I guess you will still be given 5000 choice points.

Oh so this card got nice rebate so they temporarily suspend the application? Normal Platinum don't have rebate right? JustOne also have the RM100 credit?

I don't bother. It requires you to carry forward balance in order to get the rebate.

The best cash back CCs at this moment are SCB Just1, Alliance Plat and Alliance Younique.

I attempted to do this several years back actually and I can tell you it is not that easy. You need to provide proof of the additional fee to begin with and retailers are also smart to mask this. They will usually combine the base price and the additional fee to provide the appearance of a single fee. They won't be so stupid to list in the receipt

1. Price Item                          RM xxx
2. Mastercard/VISA fees          RM xxx

One idea that I could think of it

a. If they retailer put up a notice of the additional fee, capture that image as proof and send it to Mastercard / VISA International and cc it to their merchant bank.
b. If the merchant think they are smart then record their attempt to ask you for that fee.
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Believe me ... the fines are substancial enough to deter the merchant to repeat the offense. I can't remember the number but if I remember it correctly it is something like first offense RMx,xxx and second offense RMxx,xxx + extra condition. In the US when the consumer is able to successfully challenge a chargeback then the retailer will refund the cash coz if the retailer wishes to fight on and loses - it is a hefty fine to pay!

If you ask me the best weapon is the consumer itself. So long consumer are willing to pay this fee then the retailer will continue to pass the charges to the consumer. I think cc sales makes up a substancial chunk of their total sale so that's why they have the terminal there. If the consumer boycott them (or walk away from these shops), sales drop and they have no choice but to bow to the consumer demands for no additional fee cc transactions.

My suspicion is that ... let's say the retailer charges you 2% and the one next door charges you 3%. Probably the one charging you 3% want to pass on the costs of the cc terminal rental to you! (The one which is used to swipe your card)