Well, in the first place all that wouldn't have happened if the image/picture were not posted at all. I was a pure case of personal negligence - PERIOD.
There's no such thing as foolproof security. Scammers, cheaters, thief (and especially the guy who took opportunity from this forum) will always find a way to beat the system. Let's not go overboard with suggestions whereas a simple common sense (in the beginning) would have saved the day.

Let's not forget the reader who quoted the post (and compounded the problem further) and etc. Aren't we all equally guilty towards this incident ?

This post has been edited by hye: Jun 4 2011, 10:30 AM

Nonsense! Don't simply say if you are not certain of how the system works as you'll be responsible for confusing and misleading the readers here.
Small amount also can be flagged "RED" by the bank, it all depends on their Fraud Detection System. Similarly large amount also can be flagged "RED" or "OK" by the fraud detection system. The fraud detection system is used by the bank as the primary fraud detection system for cc, calls are made for verification purposes.

As the cc info by Bata is made public online, it is a different story altogether.

And as mentioned, the small amount is used by PayPal for verification.

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Added on June 10, 2011, 7:40 amAre you able to prove this income via official documents ? (Which the bank will ask from you)
If Yes then OK ... if No then you can't add it in.

This post has been edited by hye: Jun 10 2011, 07:40 AM

From your answer, apparently you have some knowledge of the fraud detection system used by the bank. Good then!
You should have posted your answer in a factual manner rather than post a one liner which is likely to mislead those who have no knowledge how the system works. Below is what you originally post, tell me what other people's impression would be reading your sentence ?

It does not matter what my thought were but what sort of thoughts were you creating for our readers here is more important.

You also forgot to mention that while the system can detect all the transaction but bear in mind cc transactions occurs in the thousands per minute. (We are even talking about the cc issued by the largest local cc issuer which has a customer base in the millions) It is impossible for human to catch up with the speed of the system churning out those alerts. The bank will need hundreds or maybe thousands of staff just to play catch up. (Hope this partly answers why banks don't make calls when you think they will) However, this does not mean the bank or the system is flawed or perfect.

In the case we are actively talking about ... the information about the card was posted wide open. It makes anyone's job (not just fraudsters) easy to commit an identity theft.

This post has been edited by hye: Jun 10 2011, 10:27 PM

Read up Gen-X posts / blogs. It explains it all, he took all the pains to write the answers. At least show some appreciation for it by taking your effort to read it and coming in here taking a short cut to just ask. Question has been asked many times and continuously in the year since the MBB2 card was launched.

Yes ... in fact you can pay anyone cc bill via the bill payment facility in M2U.

It means you need to ask the bank to link the cards to your account. Small matter.

1. They will ask you why they should upgrade you to Platinum
2. MBB will ask you to provide with supplemental income document which support your claims.

Why don't you just live with the Gold card ? If you are not eligible for Platinum then just live with it. This forum doesn't work miracles for card upgrades if you are not eligible for it.

This post has been edited by hye: Jul 17 2011, 08:43 AM

All banks will have the same equal treatment. I'll be worried if they don't.
If your income documents are in order then there's nothing to be worried about. If there is then there's no difference between MBB and other banks is giving you credit facility.

Then you may apply at the bank which does provide you with this facility and conveniences since this is what you want. Need not bother with MBB because they will give you lesser.
I don't see the need for you to come in here and ask if you already have the answers for yourself.

We have members in here with more than 10 cc also. No big deal.

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Added on July 19, 2011, 4:38 pmYes ... this is correct.
Person working in the bank have limited visibility of customers personal information to prevent abuse. Access may be granted via approval from higher and authorized ranking officers. Security is tight in a bank environment - should be.

Agreed ... for salary earners evaluation is mainly focused on income and credit history.
Company account ... liquidity ratio, debt ratio, turnover and a couple more variables. Anyone who worked with risk management can verify this system.

This post has been edited by hye: Jul 19 2011, 05:22 PM

Yes.

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Added on July 19, 2011, 5:19 pmPower of marketing gimmick. Those uninitiated will just jump in.
For everyone to know, MBB is not the first to do such promotion for on the spot issuance.
Is it real ? Yes and no. Depends.

IMHO, not all applicants will enjoy this on the spot issuance as if they have any problems then additional supporting documents will be asked.

This post has been edited by hye: Jul 19 2011, 05:19 PM

I like this answer. Kindof tired people asking for how not to pay their GST.

You can apply for it at the credit card centre in 1U.
Approving your CL increase is not done there (nor they have the authority to do so) and it would not be approved on the spot.

BTW ... I came across this about 1 month ago or so.

I can't officially confirm this but I believe Maybank will centralized all the CS over to a facility in Shah Alam. Circa Seksyen U8, Bukit Jelutong. I am unable to ascertain to what extent of their CS coverage over at this facility. (I'm not Maybank staff, so I can't confirm nor deny this)

They were renovating the place a few months back.

It is an outright scam. I hate the excuse they use "Kita nak check aje / Just want to check"
Genuine CS would never ask for your cc number / expiry date / name on card / cvv. (Especially CVV)

Emm ... next time they call, I would like to say "I am working with Maybank, who are you!!??" I'm sure they will be scared out of their wits.

Been a while since I got these calls already.
Maybe my reputation spread among these folks as well.

Call Astro itself and tell you wish to pay using AMEX.
TM Point only accept cash for non TM bills. Credit card / AMEX for their products only - e.g Unifi, TM Homeline, etc.

@fruitie
Cool it ya. No need to resort to drastic actions.

Absolutely NO! Quite clear you don't own a credit card before in your life does it ? Credit limit reset when you pay your dues and the reduction depends on your payment.

If credit limit reset on a monthly basis then a lot of people will be happy and bank will be bankrupt.

You may check the fake calls thread to see whether you received calls from scammers.
Click here

Modus operandi very suspicious. Instead of asking people here, common sense this is something irregular. And you should provide the number which you receive the call from ... provide evidence to substantiate your statement.

Readers here can easily jump to such unverified claims and I will not hesitate to delete such posts which is ambiguous and may lead to unnecessary alarms.

This post has been edited by hye: Aug 18 2011, 03:41 PM

Errr David83.
I have just attempted to use PosOnline. Yes, you can make payment to a lot of corporations / bills. Yes, they do charge extra on the pretext of "Handling Fee"
No, I can't find any option to use AMEX. There's options to make payment via the bank, MEPS, Visa, Mastercard but no sign of AMEX.

I might be mistaken or I can't see the AMEX option. Checked it about 2-3 times already today.