my previous experience with rhb:

1. my card got stolen at 12pm. the card accidently dropped at rhb kajang branch. but i'm not noticed
2. 230pm the card had been swiped rm2.5k, 3pm another rm3k, 4pm another rm4.3k (all at kajang).
3. after 430pm swiped rm4.3k, the bank called me to verify (this time i'm at kuantan, pahang).
4. i denied, and just notice the card is not with me. cs officer ask me to make police report, and card immediately cancel/declined.
5. make police report.
6. next day come back to kajang and submit police report together with fraud form to rhb kajang branch.
.....
7. my statement arrived. rhb ask me to pay 1st that rm9800 (which is not me who swipe it) while they investigating it.
ok la i pay coz if not then will be interest. and since my police report is at kuantan, so confirm i'm not at kajang!
8. rhb give me replacement card but i never use it.
9. after 3 months, rhb send letter will return back rm9800, credited to my credit card statement.
10. i ask rhb to pay me via cheque but they refuse
11. so my statement is negative, and i MUST use the card
12. use the card till finish the balance (took me about 6 months), then terminate the card.

this happen last year 2009, that time still no gst yet.

This post has been edited by erry-: Dec 21 2010, 05:15 PM

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Added on December 21, 2010, 5:18 pmlucky u got ur money back ,thats good

This post has been edited by persistence85: Dec 21 2010, 05:19 PM

3 months

and i'm not getting back the money as 'a money'

at 1st i dont want to pay but the record is there so system will take it as oustanding and charge the interest. no choice, need to pay

no rugi also mah~ better than some of my fren, no refund coz of fraud lol

luckily coz i have alibi?

This post has been edited by erry-: Dec 21 2010, 05:22 PM

actually very simple to avoid this kind of fraud transaction

scan the ic chip together with the cc lor
can detect same or diff person wat

1st, go make police report!

2nd, submit the police report & fraud form to bank.

3rd, wait for a month

4th, wait for 2 months

5th, wait for 3 month

6th, still no action/respond from bank after 3 months? call them!

oh what did u tell them?

as stated, the card swiped all at kajang. but i'm at kuantan. my police report is at kuantan police station.

lucky you, you got people proof u that u re at kuantan while the card is swiped all at kajang right? no cctv when that thief swipe ur card at that particular merchant?

i did ask bank to check the cctv at merchant where the card swiped, but the bank officer told me, there is a high probability that, the thief - and the cashier - are 'friend'

my card had been swiped at 1x mobilephone shop & 2x car accessories shop.

i dont know how and the result of their investigation, what i know is afer almost 10 months, i get back all my money

such a long time to wait for the dispute

does this mean using Citibank ATM card withdraw money on Maybank ATM will impose RM1 charge instead of RM8 charge?

that is why the shareholders when they declare dividend

nowadays, even i use my DA to purchase online at 1am for only RM34.xx (after convert), they will immediately call me to verify.
maybe bcoz online transaction, and at midnight.

same goes to HSBC, i swipe rm9k 1 shot and they immediately call me to verify too.
but if swipe 2k, 3k, they never call

even DA, previously i swipe (err, slot, actually?) my card twice at esso pump, they immediately blocked the card.

usually bcoz of smiles card cant be read (esso, credit card 1st then smiles card. shell, bonuslink 1st then credit card).

so at esso credit card already authorized, but smiles card cant read, so i cancel it.
when i swipe (slot) the DA card for 2nd time, declined!
i immediately call the bank and they told the card had been blocked (afraid for unauthorized use for petrol).
i verify it and ask them to unblocked it.

this happen to me 2x in a same day! i pump once at morning and again at night.
solution: redeem points till finish and apply new smiles card

(my 'damage' smiles card cant be read at petrol pump but no problem if swipe at cashier inside )

this story happen b4 pbb offer esso/mobil

2-3 months waiting time is normal. Investigations take time. No way can settle in a few days.
That's why the best practice is to be always alert of where your cards are and don't delay to block card/make a police report. Plus, making a report doesn't mean you are scot free ... if investigations doesn't find clear evidence then how to just take your words ? Anyone can claim anything and say anything right ... please guys .... evidence is important.

yes evidence is important!

I notice they will monitor on your spending habit, for 1st time spending on internet transaction and huge amount, normally they will call and verify
it happen to my mum when she took Citibank CC to buy plane ticket, immediately called up and verify
2nd time swipe in Thailand, didn't inform Citibank prior that and bought some jewelry and they immediately called up as well, lucky my mum phone was on that time

Maybank? didn't call up to verify at all and my parent had been using for around 20 yrs
if i'm not mistaken is the Malaysia Airline Maybank credit card

oh yea. maybank also never verify me for online transaction, in USD or even in LVL (latvia)

and all the transaction not using secure online shopping gateway (such as in local RM on MAS, GSC, TGV)

This post has been edited by erry-: Dec 21 2010, 06:42 PM

Malaysia Airline Maybank credit card? how it looks like?

its maybank world mc