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Credit Cards Credit Card v17, Ask general questions here, Please read the 1st post before posting!

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EvOKIdZ
post Mar 18 2012, 11:33 PM

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From: Miri, Sarawak


called by a cc officer today... he asked whether i have buy anything online with my cc or not.. 2 item each 2k something.. i nvr buy anything online yesterday...
the officer say will block my card n issue a new card for me n ask i fill up something...
so will they still charge me & do i still need to pay that? need icon_question.gif from sifu here
EvOKIdZ
post Mar 19 2012, 12:07 AM

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From: Miri, Sarawak


QUOTE(goliath @ Mar 19 2012, 04:01 AM)
From my past experience, they will still charge you. You need to fill in a dispute form and they will investigate the case upon receiving the form. You may not need to pay the amount (or the interest that goes with it) but it is best to call the centre to verify with them.
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so after i fill in the dispute form, i don need to pay the amount?
EvOKIdZ
post Mar 19 2012, 09:42 AM

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344 posts

Joined: Sep 2007
From: Miri, Sarawak


QUOTE(hye @ Mar 19 2012, 11:54 AM)
In a fraud transaction, such verifications occurs and the bank will block/cancel the old card and reissue you with a new one. Subsequently the bank will ask you to fill in a form which is called a transaction dispute form. Wait for a few days and see whether the transaction appears in your account. You'll need this info to fill into your form anyway if it does appears. (e.g Among info required are Date of Transaction, Transaction, Amount. Signature, declaration, etc)

Transaction dispute takes a while to clear off and there's nothing to be worried if you are not accountable for the transaction. It is absolutely wrong and gravely incorrect to say if you raise transaction dispute you'll automatically need not pay. There are many reasons why a person would raise the transaction dispute and the bank investigate throughly every one of the cases before they'll remove the transaction from your account. Note that the cardholder is viable for such transactions if there's an element of negligence leading to the transaction.

Next time, please reveal the bank's name as well - no sifu here can guess the bank's name. Different banks have slight different processes but generally you still need to fill up the transaction dispute.
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Ok thanks boss biggrin.gif , my cc is from cimb bank

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