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.

Already reported my case to BNM. Received BNM auto-generated reply. Just to wait now for their feedback.
If anyone have any concerns with not receiving SMS alert from MBB ... please do something about it and together something might happen.

And please don't go and threaten MBB ... CS immune with it already and they will shut off if you do coz I think many did this to them. The one I spoke to just now sounded tensed when I asked why MBB does not want to send me SMS as I have a good case ... kept on insisting I send message to higher authority + said that their system cannot capture my request for the SMS. (Yeah right!)

same here, receive auto reply from their integrated contact centre as well.

hmm come to think of this.. i received notification from maybank once that i purchase stuff... then after that no more liao. lol

Thanks for info above, SO can confirm CIMB if online transaction SMS will be sent out.

temptation1314, noted you SMS for non online more than RM500. Did you receive any SMS from CIMB for face to face transaction where amount less than RM100? Do let us know if you have transacted amount less than RM500.

In respect to the above, anyone of you willing to prepare a standard "letter" to BNM for us to adopt?

The RM 499.99 alert is sent after the transaction being posted or right after swipe?

I checked Citibank Online and such alert has been setup but I swiped RM 760 on Tuesday and until today no SMS alert. The transaction has not been posted yet.

No idea, haven't swiped more than that yet. But I know Amex is posted.

Guys for all of you with MBB cards, please report the moment (to MBB and if they give any excuse then report to BNM) that you do not receive your SMS. Should you do not receive your SMS then it is a clear violation of the existing rules set by BNM.

Them sending you selective messages is not an excuse. You give them business and that's how they make money. If they are not happy with the rules then they can fight with BNM.

My experience with MBB is that they sent SMs for first time usage at merchants and ALL Paypal transaction + follow up phone call

I for one is quite happy with it as i dont get bombarded with sms

let them be, when got fraud, they will suffer

Maybank Mastercard. Hostelworld booking (first time)

4 times transaction between USD9~11 no alerts, no sms.

MBB Received an SMS for
PayPal usage for USD 31.94.
DigiOnline Store RM 10 (TOP up)

The format is the same. So lazy to type >.< Hope this help

**Edited**

both parties will suffer some lost in resources when a fraud happends. To me, with the SMS, I can inform the card issuer immediately when someone uses my card and have the card suspended and control the damage .

So, I would like to receive SMS for all transactions done with all my different cards.

Bro, no need to repeat format if someone has posted, I must revise first post to state if different from reported format.

So for online, MBB do sent out SMS even for RM10.

This post has been edited by Gen-X: Jan 20 2012, 09:24 AM

Rec'd sms from Citibank for my 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

Updated 1st post, please read and inform me if there is any update or mistakes.

**Edited**
MBB just sent me a SMS for amount of RM68 being autodebit for my DiGi bill with my MBB 2 AMEX

This post has been edited by Gen-X: Jan 20 2012, 09:59 AM

My Citibank transaction has posted but still no SMS from Citibank!

Swiped RM 250 and RM 150 respectively using my OCBC Ti but got no notification about it. I will call the CS soon and inquire about it.

In the first week of Jan, I never got any sms from Maybank for use of my CCs. Started to get worried about whether sms notification was activated or not.

Anyway, then I got the 1st sms on 9 Jan and from then onwards it has been pretty consistent to report my CC transactions.

* I get sms for my auto-debit transactions.
* So far all my overseas transactions got sms.
* My paypal transactions for USD 40-something also got sms (smallest amount so far which trigger sms).
* No sms when I pumped petrol using CC.

This post has been edited by jchong: Jan 21 2012, 07:43 AM

It's be low the default value of RM500.

I guess for online and overseas transaction for online transaction all amount will receive SMS. That is good

rm0.10 autobilling from digi from my amex plat credit card.

i recieved 50 sms in one time for all the auto billing ,

aswell standard chartered i recieve for all kind of payment.

maybank2kard i recieve sms too.

for maybank amex gold charge, i have swipe 600 / 200 / 2200 do not get any sms yesterday .

Been swipe for about 6 times with my public bank credit card, no any SMS notification at all!

what is with the "rm0.10"? Are you being charged for the SMS?

Most SMS I get with have RM0.00 except for HSBC stupid contest where they will reply with RM0.30 (which means I be charge RM0.30).

I just checked, the SMS from MBB for my DiGi autodebit to my MBB 2 AMEX starts with RM0.00, same format at 1st post.

Any amount greater RM500 or what was the max amount you swiped? Why don't you call PBB and ask why? And would be great if you can report here the feedback you received.

This post has been edited by Gen-X: Jan 21 2012, 10:28 AM

Used my amex for a supplier to charge a payment directly to my credit card and only got the SMS after a time gap of 4 hour

Amount is 875 USD

Same thing here.

I didn't receive any SMS for an online transaction on Jan 6th for RM650. Called up CS and was informed the default threshold is RM500 but the person I spoke with didn't have an explanation as to why I didn't receive an SMS alert.

Anyway, I requested the threshold be lowered to the minimum amount allowed by Public Bank and so far, so good. All physical card swipes above RM100 trigger an alert immediately (within 5-10 secs). Haven't tried online transactions yet.

SMS format:

Standard Chartered

From 62002
StanChart: Transaction alert - Retail Purchase of MYR91.70 was made from credit card ****CC on 20/01/12 at 08:17PM.

Please note the above is exactly what is being sent to me, including the four *. I wonder if I have a few SCB cards, then I will be like **** , which card is which No mention of merchant name and sometimes the sms is late by 30 minutes

This post has been edited by alexwsk: Jan 21 2012, 12:40 PM

^ not bad from SCB, RM91.70. So the RM250 minimum threshold is only if you pre-set at the online banking. No sms when I swiped for RM69 though.

This is reply from MBB No reply from BNM yet.
This post has been edited by Human Nature: Jan 21 2012, 04:05 PM

oh, I've presetted mine to 50 before 1 jan
if i were to set it now, min threshold should be 250

Oh, so the SMS alert is still due to the online banking pre-set amount. I retract my compliment to SCB

well, at least can set the amount above 250 which you like

ok, checked about the CIMB.

Swiped few times today, ranging from RM100-RM200, no SMS from the bank.

I guess maybe it's RM500 above for CIMB. :S

RM0.00 MBB CARD XXXXXXXXXXXX:TQ FOR YOUR USAGE AT EASTIN HOTEL\NO 13 SECTIO,N 16/11;16/01/12,22:45:14 FOR MYR1,144.90.

So far I only received this SMS notification from MBB. No notification for another transaction made on the following day.

From PBB Website:

Effective 1 Jan 2012, transaction alert(s) to verify your card transaction(s) may be sent via SMS to your mobile phone number.

Please ensure your mobile phone number provided to the Bank is correct. If you wish to update your mobile phone number, change your threshold amount, opt-out of the service or opt to receive the alert via e-mail, please call us at 03-21768000 or e-mail to custsvc@publicbank.com.my. - 30 December 2011

Format from Hong Leong Bank

OCBC says we can change the limit from default RM500 to any other amount. A form will be required for the changes.
I'm still waiting for the form via email

Yah, mentioned in my blog OCBC allows us to change default amount and so do Citibank and HLB.

MBB is very inconsistent. I made two transactions today using Maybankard 2 Amex. Both transactions are more than RM1,000. I only received one sms notification.

RM0.00 MBB CARD XXXXXXXXXXXX1828:TQ FOR YOUR USAGE AT HOSPITAL XXX;24/01/12,17:00:24 FOR MYR1,294.80.

Follow up from BNM

Got the opportunity to use my RHB card at a Restaurant offering 15% cash rebate last night. SMS almost immediate.

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.

Today, i received another email from the same rep from BNM of a different tone:



and i inquired what is the intention to request for my personal and account details earlier

and I receive this reply from maybank:



I am challeging the bolded statement because fellow forumers reported that they received sms for petrol transactions, while one did not get any for hotel (few k). Would be good if we can gather what is the lowest amount that triggers the sms (for face to face transactions).



I think we need to keep complaining to BNM. My suggestion is to write a simple email to MBB each time no sms is received and cc to BNM.

This post has been edited by Human Nature: Jan 26 2012, 05:20 PM

Updated 1st post on this info.

Based on what you received and highlighted, Maybank's statement is inaccurate as it should be reissued as "Maybank has its own minimum threshold for Each Individual".

if it is different for each individual, then the customer has the right to know what is the amount. let's wait for further reply from them/

i received not even a single sms from MBB when I swiped one RM 5k and another RM 14k right before CNY with my VI.

Do you have any previous transactions with the merchant above where you swiped RM14K?

Received SMS from 62002 for using Citibank CC at GSC website:

DATE for AMOUNT - MERCHANT NAME. Pls call Citibank if you have any query.

No, never before

After CNY trip, my banks(UOB,MBB) email me for all the petrol kiosk usage and makan trip usages.
Going to use in sg to test next week.
First thing to do is swipe SGD1.20 for coffee at mcdonalds

This post has been edited by unknowmaster: Jan 27 2012, 04:51 PM

Noted - Online Transaction.

Wah, how much do you need to charge to trigger SMS alert in your case.

Bro, email or SMS?

sorry bro, SMS xD. Too used to typing "email".
Anyway will let u know if the 1SGD at mcdonalds sms me or not next week . Which card isn't tested?

Submitted the OCBC SMS alert request form to change my minimum threshold and successfully received SMS for my transaction, all within one day. Kudos OCBC. It's a shame for Maybank, being one of the leading bank here, taking their customers for a ride.

How low did you change it to ? RM1.00 or RM0.10 ?

RM20 only

It is incorrect for my case. I made 2 transactions (both transactions are more than RM1,000 but less than RM1,500 each) within the same day. However, I only received one sms notification. How does MBB explain this?

which transaction triggered the SMS alert, the lower or higher amount? and both are face to face transactions?

It's the transaction with slightly higher amount. Both transactions were made within the same day, with a few hours apart.

With so many issues with MBB's SMS system, I'm beginning to think MBB is dragging their feet on the subject matter.

I've renewed my request with MBB asking them to provide me SMS for all my transactions. Will wait till Wed before responding to BNM email.

i have not been getting any sms for any transactions, even ones done online. Even with OCBC, no sms when I traveled and pump petrol outside of my usual city.

for OCBC, you can submit the SMS alert form to reduce your minimum threshold amount. the form was given by ronnie at the OCBC ti thread

http://forum.lowyat.net/topic/1791215/+1520#

This post has been edited by Human Nature: Jan 30 2012, 12:25 PM

I am not bothered abt the threshold but about the change in pattern. A bank should flagged a transaction in JB when all other transactions are usually in the Klang Valley

Interesting respond from Maybank.

Receved SMS from MBB on my threshold request:


One for each account
Email to mbbcardservices@maybank.com.my. Only manage to do so after several correspondence. After I applied, approval in 2-3 days.

This post has been edited by Human Nature: Feb 2 2012, 01:21 PM

After submitting the OCBC Change Threshold form, I received my 1st SMS from OCBC, when pumping petrol... arrived within 1 minute.

oops.... i didnt see a thread already posted here.
let me repeat -

with CIMB Transaction Alerts and Secure ePay (via SMS) I wonder if this is yet another way to put the entire blame on card users just like the 3D Secure crap?

when you spend over a certain amount, they will sms you but if you do nothing, that means you are okay with that transaction. now what if our phones are hijack? or what if we are sleeping or in a meeting and didnt see that message?

initially this may seem like a good secure idea but they should ok the transaction only if we reply and not if we dont reply. any inputs?


btw I didnt receive any sms from maybank when i swiped 25k yesterday. my wife swiped a huge amount as well and didnt get any sms. only CIMB sms came in almost immediately. all these transaction was done yesterday

This post has been edited by idoblu: Feb 4 2012, 12:40 PM

Even after getting SMS from Maybank to confirm that I have successfully changed my threshold amount, I still do not get any SMS after swiping my cards three times at different locations today. This is really a bad joke from Maybank

This post has been edited by Human Nature: Feb 4 2012, 10:07 PM

I called Maybank CS and told them I want to set my threshold limit for my CC. After checking for a while, he informed me that it was impossible to do so. Then, I told him that there are people who successfully did it. He said he will return a call to me on Wednesday when he is able to check with the right department

From my experience, SMS sent occasionally goes "missing" aka the supposed receiver does not receive them. Happened to me (on a non-credit card related matter) for the 2nd time this Friday.

What then if there is a fraudulent transaction, the bank claimed it sent an SMS but we didn't receive it? It'll be much easier to shift the blame on us customers after the introduction of this SMS alert thingy.

my thoughts exactly. i think i will opt out of this thing

\Is it possible to change the threshold limit online for MBB cards?

My HLB doesn't prompt me for the Regular Auto-Debit payment (same amount monthly)

not possible.