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

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

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

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

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?

**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

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

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

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

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

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.

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".

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

Noted - Online Transaction.

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

Bro, email or SMS?

good what, I like as I know how much they spend. And it is also applicable to debit cards, when my daughter purchase apps for itunes or online shopping with her PBB Electron Visa, I get card SMS too

This post has been edited by Gen-X: Feb 11 2012, 09:03 AM

OT abit.

Because today is Saturday, I used my MBB 2 AMEX twice in the morning at ESSO. Went to TESCO and swipe three separate times there too. All transactions below RM200 per swipe. Not a single SMS. Just now at 3+pm, while I was taking a nap, stupid mobile phone kept ringing, they were persistent, I only answered the call on the third time and was really pissed off. A girl introduce herself from MBB and asked if I swiped my card 4 times at TESCO today. I said three, and she read out the 3 swipes and then said I swipe twice I was like blur, can she count or was that done purposely?

The thing is I seldom go to TESCO. 1st swipe at Electrical Dept to buy some printer ink, second wipe for ice cream and some snacks at the general check out counter and third swipe for 10 packs of fags. This is definitely not common for me.

So in conclusion:

1. MBB still keeping track of our spending pattern; and
2. If my card was stolen, it would have been too late as they only called me 3 hours after I last use my card.

can you like share how much is the amount (like requested in the first post).

Today finally got a SMS from Alliance Bank for my face to face transaction for amount RM600+ I have been receiving SMS from Alliance Bank for my insurance autodebit for amount less than RM500 but not for face to face transactions amounting to RM200.

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

My wife who have yet to set her threshold amount for SMS Alert for her own Principal MBB 2 Cards did receive a SMS for her MBB 2 AMEX when she swiped RM1038 today.

Sometime this week I did finally call MBB Premier CS Tol Free to request that they set the default value to RM0.01 for all my credit cards and I am pleased to announced that I did receive a SMS when I just pumped petrol with my MBB 2 AMEX few minutes ago.

This post has been edited by Gen-X: Feb 19 2012, 11:47 PM