If GST kick in June, you need to verify with bank on which date of June to be precise.

Yes, this is against the Card Merchant Agreement and will lead to revocation of the merchant account and subsequent blacklist thereof

Refer the merchant agreement, you cannot charge your own personal credit card under your own business establishment.

I dont think bank will really care becoz bank will earn from the interest....
But then again why would the shop owner swipe their own card? The bank will charge around 1-3% interest on all sales done on the machine (unless the shop has high sales volume)..

hello guys,

i have a situation here,
last 2 days,i swipe my card to buy thing,suddenly when waiting for authorization from bank,the cc terminal show some error (comm error) and the authorization receipt was not print out.and i contact my bank,and they said the transaction has been successful,but i didn't get the item becoz the receipt for the merchant copy and customer copy not been print out....

what should i do ?
any advise...

Ask the bank to reverse the charge..

As long as the shop doesnt have the receipt with your signature as proof, they wont get your money.

so,i just need to call my bank back and tell them to reverse back the purchase ?

The merchant need to do reverse transaction at the terminal. Bank can't do anything.

However, since there is no receipt:
(i) merchant cannot do reversal.
(ii) Without the receipt (and your signature), merchant can't submit to bank for payment.

Thanks. Didn't think of clicking the page when i was searching for it last night

@Gen-X, i guess HSBC is still better in this case as their Agoda promotion is valid for a longer period of time and they have been extending it over and over again

Noted, I must try it out next time. I usually deal direct with the Hotels.

Merchants still can charge customers even without signature slips. I purchased some stuffs in Guardian last year and the cashier gave me the signed merchant's slip and kept the customer's slip without signature, and I also accidentally took the signed merchant's copy. My purchase was still charged anyway.

1st ask for reprint at POS terminal. If reprint fails then initiate VOID from terminal. All transactions send from terminal carry transaction ID. If VOID also fails then call bank to confirm. Else VOID should succeed and repeat the card payment process.

This is a simple process that each terminal operator should know.

Agreed !!!... the signature is not so important as it's not counter-checked. I've "forged" a few times

I had another USD transaction (tx date 18 May, posting date 20 May) on the MBB Visa and the rate is high ~1.9%...

Just to check, is MBB/Amex promo for Famous Amos still available? Anyone can find the promo weblink ?

Thanks

Today used my Standard Chartered CC to get 50% of total bill (excl alcoholic drinks) at Tony Roma's 1 Mont Kiara.
This offer valid on 21 and 22 May 2011 only...

And with the same receipt, gets me free parking at 1 Mont Kiara.

This post has been edited by ronnie: May 22 2011, 01:43 AM

Hi guys ... hope someone can help me with my situation here ... I currently travel alot for work .. around the world and I use quite alot of credit card ... anyway so far I only have 1 credit card ...

On my last trip, my credit card failed and luckily I had enough cash ... which got me worried and I think i definately need more than 1 credit card ... I currently having a VISA card ..

My question to you guys is .. should my 2nd card be a MASTERCARD ? Or should I stick to VISA ? I have a mixed feeling coz I thought it might be good to have both ... but most of the time I only see VISA .. so I'm worried if suddenly my VISA fails and then my MASTERCARD is not accepted ...

Should I get MASTERCARD or VISA as my 2nd card ? My 1st card is VISA.

Since your first CC is Visa. It's advisable to get a Mastercard for the 2nd as the backup.

In general, is Mastercard accepted as much as Visa ?

Both are comparable.