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.

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

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

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

What kind of SMSes from Maxis?

Received my 1st SMS alert from MBB2 AMEX right after the swipe at TM Point:

RM0.00 MBB: TQ for using your Maybankard ending XXXX for MYRXX.XX at TMPOINT JLN BURMAH\JLN BU; DATE; TIME. For inq call num at back of your card.

Before that, swiped at Esso also no alert and right after TM point, swiped at another Esso for my friend also no alert. Both swipes at Esso is less than RM 100. Swipe at TM point is > RM 100.

How low you requested to set for MBB2 AMEX?

That would be annoying later if you're actively swiping the card.

Did you set your other cards to that low as well?

Swiped 5 times today on both cards. No SMS at all.

1. MBB2 AMEX
- Esso
- Guardian
- Jusco

2. Citibank
- Nippon Yataimura
- Taiwan Bull

Received SMS alert from MBB2 Visa for auto-billing:

RM0.00 MBB: TQ for using your Maybankard ending XXXX for MYRXX.XX at TNB-[RPS] MY; DATE; TIME. For inq call num at back of your card.

Does Maybank only SMS notification based on spending behaviour because I'm only receiving SMS for certain swipes only?

So far, I only received swipe alert for auto debit for TNB and OTC at TM point. TM point is using MBB terminal.

I didn't receive alerts from Jusco and Tesco because those're my frequently visited places.

Just my hunch. Don't flame me.

Received SMS alert for Auto Debit with MBB2 Visa:

RM0.00 MBB: TQ for using your Maybankard ending XXXX for MYRXX.XX at GREATEASTERNXXXXXXXXXX\\M; DATE; TIME. For inq call num at back of your card.

The 10 Xs after GREATEASTERN is the policy number.

Received SMS alert for Auto Debit with MBB2 AMEX:

RM0.00 MBB: TQ for using your Maybankard ending XXXX for MYRXX.XX at MAXIS - AUTOBILLING\GROURA; DATE; TIME. For inq call num at back of your card.

The 10 Xs after GREATEASTERN is the policy number.

This post has been edited by David83: Mar 2 2012, 07:20 AM

Well, yesterday I swiped at Starbucks with my MBB2 AMEX. I'm not very frequent patron of Starbucks. No SMS alert also. Perhaps amount is not high perhaps. Just < RM 100. Bought the Starbucks card for my friend.

Did that forumer change his/her threshold? Mine was RM 63+

My point is that MBB CS claimed that they have so called fraud detection system in order to justify for sending out SMS alerts.

If you're a frequent patron to certain merchants, you will not be receiving alert very likely. But if you're paying a visit to a particular patron once in a blue moon, one should be notified right?

Their fraud detection system is very sophisticated and hard to draw a general conclusion.

This post has been edited by David83: Mar 4 2012, 11:31 AM

The only conclusion that I could draw is that MBB does send SMS notification for auto debit swipes. So far, all auto debit with Great Eastern, TM, TNB and Maxis did receive alert.

Swiped twice at SenQ using MBB2 AMEX. Both swipes also no SMS. First time RM 200 for T&G and second time RM 649 for a fridge.

Received SMS alert for Auto Debit with MBB2 Visa:

RM0.00 MBB: TQ for using your Maybankard ending XXXX for MYRXX.XX at TELEKOM AUTOBILLING\FINADE; DATE; TIME. For inq call num at back of your card.

Yesterday or today there was an auto debit transaction to my MBB2 AMEX but I didn't receive any SMS alert for it. Is that the sophisticated fraud detection engine from MBB will treat this auto debit transaction to the same merchant as non-fraud suspicious alert after repetitive transaction?

Strange, actually my auto debit to MBB Visa also didn't receive any SMS alert.