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 Credit Card v16, Ask general questions here, Please read the 1st post before posting!

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danezcarven
post Jan 15 2012, 09:49 PM

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Hey bro,

somehow my OCBC credit card was stolen yesterday night. the thief actually swipe my card in hypermarket for a few times within 30min, with a total of RM800++. no call no sms at all to me.

by the time i found out my card was lost, everything is just way too late. i did call to OCBC to terminate the card, they say they will take that as a fraud, but the thing is, i review some of the similar case on the net, some said they will bear the responsibility, some said no, so is there anyone can give me a clear picture? thx.

besides, i did lodge a police report, and i'm trying to get the cctv footage from the hypermarket. if i'll be able to get it, and if i manage to find out who is the thief, by giving those details to the police, will police take any action?

or lets say if i find out who is the thief, and if i'll be able to get his personal data, should i call him and threaten him that i have all his evidence and make him return me the money? (p/s: rm800 means alot to a poor student like me, esp cny is around the corner)

in a conclusion, besides waiting for the bank to take their action, what else can i do? thx a lot brothers and sisters...
danezcarven
post Jan 15 2012, 11:01 PM

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QUOTE(Gen-X @ Jan 15 2012, 10:18 PM)
Any idea what was the amount of each swipe?

Did you take down the CS's  name. Read back few pages, there was a lady who had a similar case and OCBC was holding her responsible for the charges. Were you asked to submit a dispute form or the CS confirmed they will treat it as fraud?

You want to threaten him with what? Whack him if he don't return you the money and thus you breaking the law? Hand over the evidence to the police and make a copy for your own records and also maybe forward to OCBC.

Here's a thought, next time you talk to the OCBC CS, record the conversation with your phone.

Maybe you should even complain to BNM that you were not notified via SMS which is suppose to have been  implemented as of 1st Jan 2012.

To ALL:
Here is my thoughts on the SMS thingy:

1. The cardholder should be given the option to choose the amount to trigger sms notification.

2. If you see Fraud Call Thread and also recent Link Club Thread, telemarketing products are priced up to RM499. If RM500 is the default amount to trigger SMS notification, then I guess it kind of defeat the purpose as you can see from above case, the card was used numerous times and added up to RM800 without a single sms notification.

2. SMS notification should state amount and merchant and time too. OCBC should do something about this.

3. Bank Negara Malaysia should set precise set of guidelines in respect to the SMS Notification for all banks to adopt and so that the public is aware, else this SMS thingy is a joke.

When I used my UOB card yesterday, not only did I get a SMS notification but I actually got a call from UOB to verify the transaction since I hardly use my UOB.
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Nope i forgot take down her name, tats my mistake. Yea i was asked to submit a form, which I'm gonna do it tomorrow.
Yea, i wasn't sure threaten him with the evidences (IF I GET IT) will help the situation, but initially my priority is to get back the money. so, perhaps i will just pass the thing to police. what action they will take?


Added on January 15, 2012, 11:09 pmAnd i have to say, nowadays those retail shop din really check or verify the signature. for my case, the thief swiped my card in BATA too. I went to find the shop this morning, surprisingly, BATA doesn't have CCTV. They do showed me the receipt, the signature is totally different from mine. Guess what? The boss told me, "oh, we don't really checked the signature 1, as long as the bank approved the deal, we make the deal." Then what's the point of signature?

This post has been edited by danezcarven: Jan 15 2012, 11:09 PM
danezcarven
post Jan 15 2012, 11:37 PM

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QUOTE(Gen-X @ Jan 15 2012, 11:26 PM)
You work fast. Yah, nowadays the cashiers hardly check the signature.

Any outcome from the hypermarket?

And with you gathering all the evidence, the police don't have much to do except to identify the person and then go nab him/her.
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The customer service of Hypermarket told me the person in charge will only be around on weekday. So, i have to wait until tmr. Hopefully they willing to help me.

And i get to know from the bank that the thief actually swipe my card again on yesterday late night at a petrol stn but i've already cancel my card so the transaction failed. So i went to the petrol stn too, but same thing, the boss will only be around on weekday.



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