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Debit Card V3
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kennethkhoo
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 Jan 25 2013, 08:26 PM
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Getting Started
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guys i have a question:
so now I've gave my debit card number (and security pin) to a hotel for reservation. I have checked - no charges incur on my card yet.
Lets say now if I do a "no-show", the hotel will still charge my credit card (in Terms & condition la).
Now the evil mind in me ask: what if I withdraw all money from my debit card, what will happen? the merchant wont get $$? will i get trouble from the bank?
(pls dont flame me, i'm just curious...XP)
**btw it's a mastercard.. CIMB
This post has been edited by kennethkhoo: Jan 25 2013, 08:31 PM
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kennethkhoo
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Jan 25 2013, 08:41 PM
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Getting Started
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QUOTE(MilesAndMore @ Jan 25 2013, 08:37 PM) Supposedly they will hold a deposit from your bank account and in Maybank, you'll see something like per-authorized...... By the way, you shouldn't have given your card security PIN because that is not necessary at all. Ops. Sorry I typed the post in a rush.. it's CSC I'm referring to anyway... Yeah I'll expect something like 'pre-authourized transaction', but I don't. So technically if I withdraw everything now, will my card get overdrawn (and hence the bank charge me a big buck, like maybank's card: » Click to show Spoiler - click again to hide... « Penalty fee on overdrawn account RM10 |
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kennethkhoo
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Jan 27 2013, 12:02 AM
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Getting Started
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QUOTE(AzeL @ Jan 26 2013, 10:45 PM) Hi everyone, first time posting in this section so if my following question have been answered elsewhere do kindly point me the correct thread/post. So I've started using my Alliance Bank Debit Card (The normal Mastercard ATM Card with Debit function) to pay for fuel at Petronas...I noticed that the amount charged was not deducted form my account and for each time I use (now twice) there is an "Earmarked Amount" of RM200.00...so currently there's RM400.00 "Earmarked Amount". Now, this normally isn't an issue but the amount earmarked cannot be used for any transactions nor can it be withdrawn. Now, I'm a bit of a OCD so I sorta want to know whats going on...it's kinda driving me nuts lol. Any help/comment in regards to my situation is very much appreciated. I'm not quite sure if my experience will help. I've used maybank debit card for fueling too. everytime I use it, RM200 will be deducted first (the so called 'pre authourised transaction' or something). After a few days, RM200 will be debited back into my account, and some RMxx (fuel I used) will be credited. I guess that's some kind of security feature to ensure your card has enough $$. Else if you use a card with RM10 inside to fuel a whole bus, the merchant will go PK. |
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