if u want, u can dispute it

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Added on January 24, 2011, 6:08 pmyea, waiting for forummer's update once the card is out

This post has been edited by alexwsk: Jan 24 2011, 06:08 PM

thanks for the info

so now confirm supp card is rm50

(at t&c already stated supp card gst is rm25 for each card)

lets look at another bank?

HSBC:

Retail transactions are made at any merchant terminals only.
Excludes cash advances, finance fees/management charges and credit card/-i annual fee payment, balance transfers, government service tax, standing instructions/auto-billing, internet/online transactions, overseas transaction, mail order telephone order transactions, and flexi payment plans.

OCBC:

Retail Spend includes recurring payment / auto debit transaction, all local and overseas new retail spending, e-commerce / internet purchases, petrol and new Instalment Payment Plan (IPP) transactions. Exclusions are Flexi Payment Plan (FPP), Smart Shopper Plan (SSP), Balance Transfer, Cash Plus, Call-for-Cash, Dial-a-Cash, Dial-a-Cheque, Outstanding Balance, Finance Charges, Annual Fees, Late Charges, Reversals, Fraudulent Retail Transaction and other fees and charges.

dunno mbb 2 will follow which 1
of coz la all wish hopefully follow OCBC?

This post has been edited by erry-: Jan 24 2011, 06:20 PM

ya...i don't feel like CS will be able to answer these kind of questions correctly.

Most of them are actually not aware of the products by their own bank, especially when we want detailed answer from them.. only the answer from staff from credit card department is reliable..

OT, u want to know why?

bcoz most of the bank outsourced their call center.
the 1 who answer ur call is not working with the bank, but working with call center company

This post has been edited by erry-: Jan 24 2011, 06:41 PM

Guys, she was asking if a transaction is valid if one did not sign on the credit card transaction receipt. Anyway, the bank requires us to sign on the receipt as a way to prove that we are indeed the ones who made the purchase (in case you dispute the transaction).
This is because they can print a duplicate receipt from the credit card processing terminal.


Besides what Winner mentioned, the other difference is the status.


I am writing to them via a secured message through HSBC online. Just sent them another secured message asking them what is the procedure like. What should i do before settling the 0% IPP at one go.


What ? This is bad if true


Agreed ! You probably can get a better answer here that is correct and faster


Not entirely true. Most banks in Malaysia still operate their own call centre in their head office usually.

oh ok. at the transaction receipt (slip). its so rare after slip come out then u dont want to sign. why give card at 1st to be swipe?
if wrong amount, the merchant terminal can reversed it back. (note: not all cashier know how to do this).

refer to my HSBC example above

i have friends working at 'bank' call center. the building, door, wall inside, all got bank logo.
but their payslip is from call center company, not the bank (dont have bank logo)

This post has been edited by erry-: Jan 24 2011, 07:20 PM

But again, they did not have the merchant's copy signed by me. They did not have my signature though. Regardless of how many copies they could reproduce, none of them would be the "signed copy".

SCB really give the rm188 cash back or not ?

They still can claim the money as far as i am concerned. Problem will only arise if you refuse to honor the transaction and dispute it.

Yes. Signature on the merchant slip is not important at the point of transaction. Credit card works on a user dispute system. After card authorisation, bank will pay the merchant and that's the end of the story unless the customer disputes the transaction. If this happens, the bank will check and a correctly signed merchant slip will be considered proof that a non-fraudulent transaction did occur.

The bank will be very suspicious if the customer disputes a lot of transactions and all of the merchant slips are not signed or incorrectly signed.

For the forumer who might want to dispute a purchase since the signed merchant slip was given incorrectly, you might want to check whether the shop had any cctv's near the cashier before actually calling the bank.

The promotion is until 31-01-11. It could be too late if you apply for the card now, unless SCB would like to extend the promotion.

Guys ... let's be careful when discussing about the signature issue.
The last thing we want to happen is someone tries to be smart and beat the system. It's a Malaysian "boleh" mentality that worries me.

Banks are not that stupid and generally banks have a special team which investigates cc frauds. Likely if someone tries to be smart against the bank, it has been done before and the poor soul caught.

This post has been edited by hye: Jan 24 2011, 10:28 PM

guys, a question, let's say we exceeded the credit card usage.
For example, the credit limit is 5k.
Spent until 5.2k.
If we pay the bank rm700 and the credit drops to 4.5k, can we still use the card?

hi, i would like to ask whether worth to apply for shell city bank card.
mostly my expense is on petrol(shell) only. but i check their calculation actually didn't save up much.
by using shell city(classsic), i put rm300 per month, anual only save roughly rm50..
any recommend card for me to apply ?

OCBC Titanium : 5% on fuel/dining/groceries/utilities, subject to maximum RM50 monthly.
Maybankard 2 Amex (Gold or Platinum) : 5X points everyday, 5% cashback on weekends (also limit to RM50 monthly)

I think these two are the most popular cards at the moment.


This post has been edited by chemistry: Jan 24 2011, 10:48 PM

Depends on which bank you are talking about. Certain banks won't even approve the transaction if there is insufficient balance in your account.

Anyway, assume you have maxed out your card credit limit of RM5k but already deposited RM700 into your card account later on. Then yes. You can use your credit card again and you will be able to swipe another RM700.

i fresh and my salary only around 2k++.. how to apply titatum
any good card to apply within my range?

thanks for the info..

There are very few classic card that gives rebate on petrol nowadays. Even DirectAccess (CIMB) mastercard also ceased their 2% petrol rebate recently. Now left only Shell Citi Classic gives 1.5% cashback on purchases at Shell.

What you can do is apply a DirectAccess (or Citi Shell Classic) card first. Or Citi Giant card (if you spend a lot at Giant).

After a year or so, go apply another bank's cc. That time, you may try to apply higher grade cc such as Maybankard 2 Gold. Fresh grad is like that one, everything starts from the ground.

Just my opinion. Please don't take it as financial advice.

This post has been edited by chemistry: Jan 24 2011, 11:17 PM