Beginning 1st January 2012, we are supposed to received SMS Alert whenever our credit card has a transaction. But many reported that they have yet to receive any SMS from their card issuer.

If you have been following the Credit Cards General Thread, where many useful information are posted and then discussed besides allowing you to ask questions, you will note that many have complained that they did not receive a single SMS Alert on fraud charges. The reason being is because most credit card issuers have preset a default value to trigger the SMS Notification.

The purpose of this thread is to report your SMS Alert and discuss about it.

A. SMS FORMAT

Here are examples of the SMS Format that members have reported:


Affin Bank
Contributed by skincladalien, post#151
RM0.00 Thank you for using Affinbank card of RM9.25 at Paypal *Account xxxx SG. If this is not your charge, contact us immediately

Alliance Bank
RM0.00 Alliance Bank: There was a credit card transaction at [Merchant Name and Location] for RMXXX.XX. Please calll the Bank if it was not authorised by you.

CIMB BANK

Contributed by rayng18- all sms rec'ed almost immediate after payment were made
RM0.00 CIMB MYR80.85 was charged to your card num *** at paypal "YYY" on 08/01,pls call the number at the back of your card for any queries.

Contributed by temptation1314
From : 66300
RM0.00 CIMB : USD 3.74 was charged on your card num XXXX at VALVE SOFTWARE on XX/XX.
RM0.00 CIMB : MYR 599.00 was charged on your card num XXXX at VIEWNET COMP.SYS SDN B on XX/XX.
RM0.00 CIMB : MYR 2,988.00 was charged on your card num XXXX at THE SANDIEGO IMAGE on XX/XX.

Post #49CITIBANK

Contributed by b00n
RM0.00:A payment/autopay/purchase was made on your Citibank Visa ending XXXX on 2012-01-05 for 323.46. Call 0323833061 for any queries

Contributed by MilesAndMore
- last 4-digit of your credit card
- date
- amount
- merchant's name

Contributed by rayng18 for his monthly direct debit for astro.
A trxn was made on yr Citibank Visa ending XXX on 2012-01-19 for MYR135.65-Astro -Autobill(A/B). Pls call Citibank if you have any query

As you can observe, there are different format, b00n's SMS did not state merchant's name but MilesAndMore and rayng18 SMS did mention the merchant's name.


HONG LEONG BANK
Contributed by ronnie
RM0.00 HLB - Your prin account ending #### has been debited with RM xxx.xx at MERCHANT NAME.Please contact HLB Call Centre for assistance.


HSBC BANK
Contributed by b00n for his autobill:
RM0.00:A purchase/autobill of MYR 89.65 was made on yr HSBC CARD xxxxxXXXX on 17/01/12. Call the number behind yr card if you did not authorise this

See, from above, no merchant was stated.


MAYBANK

Contributed by MilesAndMore
- last 4-digit of your credit card
- TQ FOR YOUR USAGE AT (merchant's name)
- date
- time
- amount

Contributed by Smurfs for his Auto-Debit Digi Broadband.
From : 66628
Rm0.00 MBB CARD
xxxxxxxxxxxxxxxx
TQ FOR YOUR USAGE AT DIGI -RPS SHAH ALAM ;
17/01/12 , 07:26:48
FOR MYR33.00

Gen-X's ( Amount RM3K+ and SGD500+ ):
From 66628:
RM0.00 MBB Card XXXXXXXXXXXX last four digit numbers:
TQ FOR YOUR USAGE AT Merchant Name and Location;
Date, Time
FOR Amount in Currency Transacted


As you can observe, all three above same format.


PUBLIC BANK
Contributed by redbluegreen
RM0.00 Pls call PBB if you didn't use card at MERCHANT LOCATION AMOUNT DATE TIME. For contact no, pls refer to back of your card.


OCBC BANK
Contributed by tifosi, posted at General Thread. Note that the SMS did not state amount nor date nor merchant details.



RHB BANK
RM0.00 RHBCards : Tranx amounting 650 dated 25/01/2012 for RHB Card First 4 Digits********Last 4 Digits has been approved. Pls call number behind the card for assistance.

If you observe above, the SMS does not mentioned of currency type (i.e. RM), merchant name and location.


STANDARD CHARTERED BANK
Contributed by alexwsk - below is exactly what is being sent... including the four *. No mention of merchant name and sometimes the sms is late by 30 minutes
From 62002
StanChart: Transaction alert - Retail Purchase of MYR91.70 was made from credit card ****CC on 20/01/12 at 08:17PM.


UOB BANK
Gen-X's Preferred Platinum Visa (Amount RM3K+):
From 66300:
Thank you for using your UOB Card ending four digit numbers
@ Merchant Name and Location for Amount Date Time
For any enquiry please call UOB.

Contributed by unknowmaster - at petrol kiosk
This is 1st txn alert for your UOB Card ending XXXX @ MOBILE TAMAN PEL for RM 200.00 dd/yy time. For any enquiry please call UOB.

As you can observe, both above same format.

So, if you do received a different SMS format from above, please post. And also please post SMS from other banks. For your own privacy, you don't have to state the place and actual name of merchant but just let us know if the SMS contains the Amount in What Currency and Merchant like my format above.



B. Default Value for Face to Face Presented Transaction to Trigger SMS Alert/Notification

Here is my contribution to you guys on the default value:

Alliance Bank - Default value RM500. Can request to change. Call CS and they will sent you by email for fax.

Direct Access ( CIMB ) - Default amount RM500.

Citibank Platinum and PremierMiles Priority Line - Default RM500. Call CS and request to change to RM200 or you can do it online.

OCBC Bank - RM500. Call CS and they can email a form to request default value be set to RM1.

Ex-EON Bank Visa Signature Toll Free - the guy I spoke to said it is RANDOM!

HLB Platinum Toll Free - first time use of the card, auto debit, for petrol and for other type of transaction the default value is RM1K. Once agaqin can request value to be reduced. HLB SMS Alert Form to set default value.

MBB VI Toll Free Line - not all transactions, the Customer Service representative told me that it depends on the system! Can call CS to reduce the default value to RM1 over the phone.

RHB Bank - RM500.

UOB - RM500 for presented transaction and RM1 for online.
I will update above when you guys report something else.

Notes:

1. Please post is you have received a SMS Alert from your card issuer for any amount to confirm above. May it be online, auto debit, IPP, etc.

2. If you have received a SMS for your transaction below the default value mentioned above, PLEASE POST so that I can update the info.

3. If you have not received any SMS for your transaction below the default value stated above, I guess you NO NEED to inform us, hahaha.


Click here to read my full article titled Credit Card Fraud Calls and Banks Default Value for Credit Card SMS Alert. In this article I have elaborated more on which card issuer allows you to change the default values.


Other Relevant Info Contributed by fellow members:

PBB - Default Value RM500, can be lowered to RM100. Contributed by redbluegreen Post#43

SCB - you need to activate online and the minimum default value is RM250. Please refer Post#14 and 17. Contributed by Human Nature

This post has been edited by Gen-X: Sep 26 2012, 11:06 PM

From previous postings relating to SMS Alert posted at General CC Thread

This post has been edited by Gen-X: Jan 19 2012, 09:59 AM

Have various sms from DA-CIMB
1) to paypal.RM0.00 CIMB MYR80.85 was charged to your card num *** at paypal "YYY" on 08/01,pls call the number at the back of your card for any queries.
2)also to paypal MYR86.86
3)to HLA
all sms rec'ed almost immediate after payment were made

This post has been edited by rayng18: Jan 19 2012, 10:41 AM

Oh its an instruction by Bank Negara?
Anyway so far i only noticed Maybank does have the alert, meanwhile UOB and EON aka HL dont have.

I don't received any SMS since last week, I swipe MBF, MBB, CITIBANK for more than 10 times... don't know what happen?

MBB
RM0.00 MMB CARD <card num>:TQ FOR YOUR USAGE AT BEST DENGKI- GREAT WORLD, CITY;<DATE>,<TIME> FOR SGD 19.00

Phone to CPA Malaysia
RM0.00 MMB CARD <card num>:TQ FOR YOUR USAGE AT CPA AUSTRALIA LTD\\KUA,ALUMPUR;<DATE>,<TIME> FOR RM 3,612.00

So for most of my MBB usage on petrol kiosk has no sms. but paypal and oversea does.

Oversea transaction at counter

UOB at petrol kiosk
This is 1st txn alert for your UOB Card ending XXXX @ MOBILE TAMAN PEL for RM 200.00 dd/yy time. For any enquiry please call UOB.

This post has been edited by unknowmaster: Jan 19 2012, 10:39 AM

From : 66628

Rm0.00 MBB CARD
xxxxxxxxxxxxxxxx
TQ FOR YOUR USAGE AT DIGI -RPS SHAH ALAM ;
17/01/12 , 07:26:48
FOR MYR33.00

This is Auto-Debit for my Digi Broadband.

This post has been edited by Smurfs: Jan 19 2012, 10:47 AM

ONLINE TRANSACTION !!

So CIMB default value is indeed RM1 Thanks for the info. Maybe I should ask - did you not receive a SMS for any transaction with your CIMB CC?

It would be most helpful if you guys can mentioned the amount.

Like I mentioned in item 3, if no SMS for transaction below the default value no need to mention else this thread may have many pages with people reporting info that is already known.


Great info

Noted MBB SGD19 also got SMS. Did you received SMS for all your SGD transactions with MBB?

Bro, the UOB for Petrol is local transaction? IF yes, then it is great than UOB also sent out SMS for petrol besides HLB. Anyone else can confirm this?

This is good, MBB SMS Alert for RM33 Auto Debit.

This post has been edited by Gen-X: Jan 19 2012, 01:53 PM

ive not received any sms alert for my recent MAS RM 1616, Air Asia RM 951 and paypal USD927 transactions for my mbb amex and visa

This post has been edited by pspfan: Jan 19 2012, 11:26 AM

I saw this informative thread and I called up Maybank regarding the missing SMS alerts. Here's the feedback that I received from Maybank regarding the issue -

1. They will not send SMS for all the transactions that you do. (I personally see this as a violation of BNM ruling) Especially if the transaction which they have previously flagged as green. e.g Let say you have received a call from Maybank regarding a transaction from Merchant A, they will forever flag it as green and therefore you will never receive any alerts from Maybank.

2. I did raise an issue which I did an online transaction for an online merchant which I never did before and didn't get any SMS. They now say (to my best understanding), the amount is small and they think it is not a problem so they don't call me or send me SMS. (A fraud transaction can be in small amount as well before the big amount comes)

3. Now, here's the shocking part. I ask MBB to now activate SMS alerts for all my transactions because I wish to be alerted the moment there's a fraud activity and they refuse to do so! They ask me to request again and ask me to justify my request.

4. More shocks ... they say if got problems then only tell them. My arguments is that I may only notice it after a long period of time as I don't check my account every day. They refuse to budge from their stand.

Emm ... well just to inform you guys of my latest findings and you guys need to call MBB and firmly ask for the notifications to be sent to your phones or else forever you'll not get it!

I'm off to inform BNM of this findings. (I didn't threaten MBB of what I want to do after this if they don't comply, so please no one is to threaten MBB)

This post has been edited by hye: Jan 19 2012, 11:54 AM

For SCB, card holders can set the amount for SMS and/or email notifications through its online banking, but it has to be activated as the default is 'no notification'. Previously I can set the threshold amount to RM100. Upon checking yesterday, the threshold for all items have been set to a minimum of RM250.

Sample:
RM0.00:StanChart: Transaction alert – Retail Purchase of MYR165.50 was made from credit card ****#### on 18/01/12 at 06:00 PM.

Addtional info on MBB, comment by their Maybankard FB administrator:
"the SMS alert will only be sent for certain transactions that match a certain criteria (sorry, i can't discuss the criteria). Therefore, you will not receive the alert for ALL transactions"

This post has been edited by Human Nature: Jan 19 2012, 12:16 PM

Yes. Please do. This is indeed worrisome. A clear violation of the BNM ruling

Yes at UOB at local petrol kiosk today. Perhaps its the 1st transaction for the card. Let me get back to you after 2/3 usage .. CNY swipe a lot xD

MBB so far I only use once in SG. Will find time to swipe more and get back to you.

Pay Pal also no sms? Better you call CS and check if your latest mobile number is registered with them.

Way to go Bro

Bro, so now SCB CC SMS Alert minimum is RM100 or RM250?

When you reply please state SCB because I'll update 1st post and refer to your reply.

that would be great. Thanking you on behalf of all members.

This post has been edited by Gen-X: Jan 19 2012, 01:45 PM

AFAIK not every transactions will get SMS.
What I know off is Internet transactions, oversea transactions, autobill as well as certain transactions above a certain threshold.

HSBC sent me on my autobill:

Citibank:

Both also didn't mention details. So if one panic, he/she wouldn't even recall what autobill is being charged.

Amex one I deleted already the message, but it was during my time in Changi having dinner before coming back to MY. Only received the SMS after I'm in MY, which is a few days later during their posting date.

Recently other transactions like Petrol with my Citi card, Uniqlo shopping with my HSBC, bought a baby carrier with my Amex all no SMS. Maybe within my spending pattern.

---

Added on January 19, 2012, 2:41 pmAnyway, I remember Citibank online can set the threshold. Let me login now to check

This post has been edited by b00n: Jan 19 2012, 02:41 PM

At the SCB online banking site, minimum threshold is RM250.
Mine is still RM100 because I have pre-set it earlier . If I were to change it now, have to follow RM250.

What is stated in my Citi online is this:
This could be default because I didn't recall changing anything before although I noticed the new feature previously.
The FAQ here: http://www.citibank.com.my/mobile/faq/ under Citi Alerts

This is what is available after I click the edit function (have changed a few item, so not default):

HSBC autobilling no merchant name, no wonder someone mentioned in General Thread he panic when he got his SMS from HSBC, hahaha

For Citibank, in my blog I did mentioned that we can reduce the default amount but I forgot to mention that I was told you can do it online, haha

good that you did it earlier.

This post has been edited by Gen-X: Jan 19 2012, 03:12 PM

Hmm, here's mine

From : 66300

RM0.00 CIMB : USD 3.74 was charged on your card num XXXX at VALVE SOFTWARE on XX/XX.

same goes with USD 9.99, USD 20.36

and then

RM0.00 CIMB : MYR 599.00 was charged on your card num XXXX at VIEWNET COMP.SYS SDN B on XX/XX.

RM0.00 CIMB : MYR 2,988.00 was charged on your card num XXXX at THE SANDIEGO IMAGE on XX/XX.

So far not one transaction they've failed to send me a SMS. So I think CIMB is all cool. Not sure about other Banks. I need to check on my Auto-Debit on my HLB with my Telekom bills.