as above, no cannot do, must same name as cardholder

ewallet & online transactions mainly

others i default amex whenever possible for KF

What I am interested to know, its whether the caps are shared between the cards? or standalone

i.e. 3k ewallet / ecommerce

Remember to file everything that you receive in regards to the transaction up until now.

Call the bank to terminate and replace card if you have not done so

Then if you are okay with it

Share the merchant name here that is being charged to your CC account

I might be able to share some insights

If it is CARDUP, please PM me or Email their CS about the fraud right away

This is usually for the hotel brand's advance purchase

Sort of a pre-paid stuff which is then resold to unknowing buyers at cheaper rate

I am guessing the bad actor took your details, bought these prepaid credits/vouchers, and reselling them at a cheaper rate

You could msg / email hilton's CS with your details ASAP if possible

CC them the bank correspondence if any (if your app/website does not show identifier details for your transaction, try calling your issuing bank to ask for it), asking them to refund the transaction if the payout/claim on the adv purchase hasn't been made

This will greatly help to increase the likelihood to win your dispute as merchant will refund

No chargeback to merchant, no loss to bank, win-win to all

Try not to use chat

Use email as chat is hardly taken as dispute documents in the event that you need it in your dispute case

Your detail might be able to help, as the transacted amount, time and date, CS might be able to filter through their system

Not forgetting your card last 4 digit

So in total you have

1. Date
2. Time
3. Transacted amount
4. Card last 4 digit
5. Issuing country (Malaysia)
6. Issuing Bank (Alliance Bank Malaysia)
7. Card type (Visa / Master) Infinity / Signature etc

These 7 actually is sufficient for them to filter out if they have even a functional booking system

You are tracing based on your card usage, not where its used at

I have years of experience in this, its really down to how good you are in doing your detective work

But its really up to you to decide how much effort you wanna put in to your case

Cuz your case is Non3D transaction, so your chances are slightly higher to succeed, but again, no guarantees

Also, by taking the initiative to contact their CS, it gives you another option to "connect" your Alliance disputes team with Hilton

As most of the time, Bank CS is not allowed to engage or initiate contact with merchants etc, but sometimes, it might be prove useful, cuz some agents genuinely is good and want to help

This post has been edited by sadukarzz: Jul 25 2024, 04:26 PM

No problem, good luck for your case!

Hopefully Alliance dispute team is still as good as how I used to work with them

Virtual credit card by Alliance shouldn't require submitting new docs

If you are ABMB cc holder long enough you should have it listed in your app just need activation