yah, CIMB minimum RM500. I guess I will call them and ask them to set to RM1 else I am going to report to BNM.

Yeap, I find the alerts to be very very useful

Gives you peace of mind too, I guess.

We should also complain about AEON Credit Services... are they under BNM's jurisdiction ?

Indeed, it allows me to get double charges notification instantly.

I think it applies too, since it is a credit card product.

MayBank- 66628
RM0.00 MBB: TQ for using your Maybankard ending xxxx last four digit for MYRx,xxx.00 (amount) AT MERCHANT LOCATION; 10/11/13:21:13.For enq call num at back of your card

CitiBank - 63365
RM0.00: A trxn was made on yr Citibank MasterCard ending xxxx last four digit on 2013-07-31 for MYRxxx.00 (amount) - MERCHANT NAME.Pls call Citibank if you hv any query

UOB - 66300 (first time used, following time no sms receive)
RM0.00 This is 1st txn alert for your UOB Card ending xxxx last four digit @ MERCHANT NAME for RM xxx.00 20/07 09:54. For any enquiry please call UOB

hi Human Nature, do u able to change the sms threshold or still stuck at RM500 ?
thanks

Aiya, you quote Gen-X but ask me

Yes, I am able to change it to RM1.

hahaha, If not mistaken you did post sometime back in MBB 2 Thread, informing me that you managed to set the default value for your CIMB card to RM1 and asking me to do the same. But I have to call CIMB to do so. But thanks to you, everyone here at LYN knows we can set CIMB SMS default value to RM1.

Surprise to see you here. Happy Chinese New Year to you bro!


On topic, when CIMB and Maybank also adhere to BNM, I doubt other banks will not

I have received two different versions of Public Bank SMS Alert messages, slightly different from the one posted by redbluegreen.

Version 1

Version 2


I must also note that the default value of Public Bank Berhad is likely NOT MYR 500. I shall provide a full list of transactions I have made for the past 6 months (mid-Dec to mid-June). The transactions which I have received SMS alerts for will be bolded in green. Transactions made at petrol stations shall be underlined.

December 2013

January 2014

February 2014

March 2014

April 2014

* First online transaction for SGD 20.00 on 31st March. The SMS alert notified a MYR 55.50 transaction, but only debited MYR 52.60 on April 3rd.
May 2014

June 2014


Based on the data provided above, it would seem as if Public Bank only sends SMS transaction alerts randomly (read: when they feel good, the winds blow smooth and their mood is right). I also believe there is no actual threshold to trigger the SMS alert.

I have tried, unsuccessfully, to find any mention of the SMS notification / alert services on the Public Bank website. Does anyone know if they have stated anywhere about the SMS notification alert services? I've already looked through the product disclosure sheets of the cards, with no success.

EDIT: What a nice view count - We have hit the 20,000 mark!


This post has been edited by Archmage Warlic: Jun 11 2014, 11:37 PM

PBB will implement a change to their system by this month.

May I know where did you get the info from, so I can refer to the source(s) for more related info as well? Also, what exactly will the change in the system affect? Only the SMS alert / notification threshold?

This post has been edited by Archmage Warlic: Jun 11 2014, 11:38 PM

That is from the bank's email to me in respond to my complaint on this matter. The email was copied to Bank Negara too. No info on the new changes yet. My original request is to set the alert to RM1 for all transactions.

CIMB is probably the stupidest Bank in MY.

Recently I applied for HL with CIMB and as a favour to the Mortgage Agent, I aplied for their CC and the Agent said got Cash Back on siging anf first year, GST is absorbed by Bank

So later CIMB CC Dept called me to confirm that I applied for the Card and i said Yes.

Then I asked to change the SMS Alert and the Staff said that the lowest default value is RM500 and cannot be changed

So, I said NO, I have set to RM30 for my other cards and I want the same but the Staff insisted and so I said, if u cannot change, then I DO NOT want your CC

The guy said he will check and revert back to me and after one week, I got a letter from CIMB confirming my cancellation of the application for CC

I just pray that the people in their HL will not be so stupid.

Wasted my 5-minutes to fill up the CC form.

Archmage Warlic, for online transactions, most banks if not all including Public Bank has no default value and will sent out sms.

My daughters have Public Bank and Hong Leong Bank Debit cards (obtained years ago when one of them was below 18 and thus I had to sign on the application), everytime they use the cards for online transaction, e.g. USD1, I get a sms.

it's great to be able to monitor your children's expenses in this way.

I applied for a CIMB Mastercard Debit Card, and I swiped it at a petrol station today. Guess what? No notifications at all. It made me wonder how troublesome things would get if my card fell in the hands of others and every single cent under the stupid daily purchase gets swiped away. The lowest non-zero maximum daily purchase limit for CIMB is a freaking RM 1000.

Speaking of daily purchase limits, I think all banks should follow BSN Visa Debit Card feature, which allows you to set the limit at any amount you want. Yes, even at RM 1.07. They don't have this stupid "please set your daily purchase limit (in thousands)" thing - as if losing RM 999 is a small issue.

Can we raise the issue on the maximum daily purchase limit with BNM as well? Do they have any kind of regulations for this?

Human Nature Does BNM have a policy / guideline concerning the threshold for SMS notification? If you do, can you please provide some references? I mean, I'd love to read through all those.

I fail to see why banks want to make it difficult for us to get a simple notification for transactions - having to manually lower the threshold to RM 1 / RM 0.01 makes it an opt-in feature somehow. More transaction alerts = less prone to fraudulent charges from card loss / theft. Do they like angry customers shaking fist at them demanding money back?

Can't your daughter, now being over 18, simply update her contact information with the bank and change the contact number to her own's number? If she did that you won't be able to receive notifications any longer.

This post has been edited by Archmage Warlic: Jun 14 2014, 03:56 PM

Here is the link to BNM press statement:
http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=2226



As far as I am concern, the bolded statement means all transactions and I am holding onto that.

Thank you.



Holy crap, I've always been insecure about keying in my PIN in public places, such as supermarkets with all those eyes queueing behind me. Signature-based transactions will cease starting next year?

Perhaps this will somehow deter thieves from rushing to petrol stations when they gets their hands on a card (for those who are unfamiliar, payments by card at petrol stations require neither signature nor PIN, unless you opt to walk in to pay at the counter). However, it's still a pain in the ass for your common card users like me - I'll be sure to chase everyone behind me away before entering my PIN, if possible.

Does anyone know if we can raise the issue on the maximum daily purchase limit with BNM as well? I've always felt that CIMB's daily purchase limit of RM 1000 / day is quite close to useless.

This post has been edited by Archmage Warlic: Jun 14 2014, 04:13 PM