I agree not all hotels will require your signature but the procedure for hospitals will differ. (The hotel is just an example of how can they claim the money from the bank) Here's what I know ...

1. Most hospitals would require signed pre-approved authenticated transaction. (I remember that I need to do it when I checked in before)
2. All Malaysian credit cards are EMV compliant, means the physical presence of the credit card when the cashier inserts it into the terminal (in the hospital). Means there's a possibility hospitals can still make a claim. (However do note that all banks T&C require the cardholder to sign on the slip or the transaction is not valid)

Likely scenario 1 comes into place unless the cashier is not careful and forgot to ask cardholder to sign. (And cashier are liable for the amount like cashier's working in supermarket and departmental stores - sure die die ... they will ask cardholder to sign)

Oh yes ... I overlooked that. I wanted to mention physical presence of the card earlier on.
However, in some cases like Petrol Station purchase, the signature is not required. In South Korea, there are many examples where signature is not required when the card physical presence is available + EMV. And you'll be surprised signature is not required is some mundane merchant - e.g. 24/7 convenience stores. Not a problem coz a lot of cards in SK is already EMV compliant anyway. Authentication and approval is super fast - fastest to be around 2-3 seconds. 5 seconds consider super slow already.

Do note ... in general (at least in Malaysia) when physical presence of the card is used, signature is required.

Nope, not that straight forward. I don't know what is your understanding about dispute cases.
1. Someone use your card/fraudulent transaction without your consent and you notice it.
2. You report it to the bank to block your card
3. In some cases, you can report to the police.
4. Your post a dispute transaction to the bank

Next would be

A. Bank will investigate and this can take up to 90-120 days. Sometimes can even take longer.
B. Meanwhile bank will ask you pay first and they will refund later. Not unusual and it is recommended to avoid interest charges.
C. Completion of investigation, the bank will refund (if you have paid) / perform a reversal.

You need to understand

- Police report is not a ticket for the bank to "waive" or clear the disputed transaction.
- Removal of transaction is not immediate and you need to wait till they complete it.
- CS is not the one doing the investigation, so calling and pressuring them would not help.
- If you are truly innocent then no issues. If there's a probable argument of negligence on your part, you are still liable for the dues.
- Some banks are "trickier" than others when it comes to "recovery" methods. Good luck on this.

I'd suggest just to sit back ... judging from your reaction - this is your first cc dispute case with the bank right ?

This post has been edited by hye: May 24 2012, 11:42 PM

You and your colleague are not the only one in this forum who has travelled the world and been both to least developed countries and developed countries.
We provided the advise but if you insist on getting what you want then so be it and all the best to you.

It is still better than 18% p.a. It is really up to you to decide ... if you found something better then you may pursue it.
Please note that once you take Citibank BT ... you might as well keep the card in the safe until you clear your BT.

Learn from your mistakes - asking for quick rescue will not help you much in life.. That's the best advise we can give you.

@fly126

I have to point out your online etiquette by the constant use of capitals is very annoying. It's either you learn to post properly or you'll see your future posts being banned.

Please take note.

This statement is likely to come from a cc noob. Bro kazekage_09, if your intention is to create cc debt in any form (incl ez installments), please stay away from credit card for your own good health.

Typical answer ... I am not surprised. Go ahead ... if you want to do something then nobody can stop you except yourself.

Hahaha .... NO. No chance you can negotiate with the bank even though your monthly cc usage is more than >RM100k, let alone some small puny customer who claims RM1K (per month) spending is a lot. And you heard it from here ? No one from this section would dare to claim such.
You got to share who told you this magnificent myth!

This post has been edited by hye: Jul 21 2012, 05:06 PM

@stanz
Your so called banker friend is suggesting to you a wrong way to settle your debt. I personally felt you are not too far away from getting yourself in trouble with loan sharks. if you are looking for special methods or to solicit people to help you in the wrong way then this is not the place.

Such methods will only land you in deeper trouble. Seek real and professional help and please refer yourself to AKPK.

This post has been edited by hye: Jul 27 2012, 10:11 PM

He want to purchase from Apple store and not telco. Give the correct advice and yours is such to your own benefit.
Please read his post before replying buta-buta and point to your own signature.

Hope you learnt your lessons about Cash Advance.
Too often a reader comes in and justify themselves the need for Cash Advance (or) get into trouble about Cash Advance.
Too often a senior in here will remind the dangers of Cash Advance (myself included) and get ticked off by readers who die-die wants it and think it is under control.

There's a reason we don't encourage it and blasting readers who think they understand what they are doing with Cash Advance. If anyone think they could stop the bank from charging you from Cash Advance fees/interest/etc you must be dreaming and please stop holding a credit card until you learn how to. You are not doing justice to yourself through this unsecured loan facility Bank will charge the fees the second you take out the money and will charge you interest by the day.

ronnie meant well when he asked.
You should reveal the guy here for the benefit and safety of the members in the forum. Too many rouge agents these days roaming around because the cc market isn't what it used to be anymore.

@smsbusiness2u

Please take your personal dispute offline (if there's any). My decision is asking dig_dug to reveal who the guy is got nothing to do with ronnie asking.

The intention is to alert everyone who reads this forum of the potential "risks". In the first place, everyone should be aware of the inherent risks of doing so and not panic/come to this forum when there's potential trouble. If you ask me anyone trusting someone online so easily (just because of perceived convenience) is not so smart as well.

Yeah ... I don't know what gotten in their minds of a lot of people nowadays regarding applying card via these "online" agents. I'm not old fashioned or what (on such practice) but it's all about common sense on personal information security. I have see a lot of request from readers who post and ask for agents to contact them online and I don't tolerate such. I personally see it as an excuse of laziness wanting these agents to come to their feet and serve them on the pretext of convenience. (I think the LYN main mods are also upset with me on my trigger happy attitude for these posts as well ... hahaha) I'm not against it but I value personal information security even more - especially with what are the crimes around us these days. Such were less/unheard of a few years ago.

Let's hang on to that thought for a while. If the trend persist then by all means go ahead and hopefully it'll deter scammers from taking advantage of this forum to con people.

On one hand there's no way to authenticate claims and this can potentially be a very trashy thread as people can come in and say anything they like without any solid proof of their claims. And the other ... our social obligations to educate our readers.

There's no difference to the law in Malaysia and Singapore. A lot of consumers in Malaysia condone this vs. in Singapore as they want to put the charge on their credit card (Means no money to buy), thinks the merchant have the right to do so or thinks it is common practice.

The practice is illegal and against the T&C set by Mastercard and VISA International. Please report such practice and you as the consumer should not be condoning the fee.

Call your bank which issued your card or direct your report to Mastercard / VISA International directly. Please note in either case, likely you'll be asked to furnish evidence to back up your claim.

This post has been edited by hye: Aug 20 2012, 01:26 AM

I would like to wish all of our Muslim friends and readers of this forum / thread Selamat Hari Raya! Do enjoy the holidays with your family and friends. Have a safe driving home and return.

@frankzane

What exactly happened ? Which part of the Suvarnabhumi is it not accepted ? Thai Power stores ? Airline counters ?
Or are you trying to use it to get access to the lounge ?

Please take note that without details and verification, I'll consider your post to be an irresponsible post without evidence to support your claims. Your statement will possibly have a huge impact thus I'll expect you to be upfront and responsible for your post.

This post has been edited by hye: Aug 22 2012, 01:29 AM

Only Thai Airlines then.
What was the problem ? The card was declined during swiping or they rejected the card upfront the moment you pull it out of your wallet ?