Guys, I plan to use my card overseas .. Now I am wondering, let's say i swipe in 1k hong kong dollars , what would the rate be ? I am thinking whether I should use AMEX or Visa card ..

Amex does have MSOS, its called SafeKey

The other day I called up MB to register the MSOS for both my Amex and Master cards.

So dapat.

Thanks for the heads up. 
Will call Mbb to apply one.

will wait until two months Unifi only make payment, but there is only one entry for Unifi payment since end May.

Another entry from TnB bill... 

3.2 During the Campaign Period, Eligible Cardmember will be entitled to one (1) entry for every RM300 cumulative Qualifying Spend on the following websites:

Maybank, www.maybank.com.my
Groupon Malaysia, www.groupon.my
Malindo Air, www.malindoair.com

3.3 Qualifying Spend shall include bill/ assessment fee payments on www.maybank.com.my, online purchases transacted on Groupon Malaysia (www.groupon.my) and Malindo Air (www.malindoair.com) via American Express Credit/ Charge Card(s), including EzyPay based on the full transaction amount, if applicable.

hmmm from the t&c stated:
that means 1 entry for every RM300 (cumulative)? if within the campaign period i've spent RM900+, i will get 3 entries? 

also i think as long as transaction made in M2U to pay utility bills/assessment fees, it's already qualified.

lemme call up Maybank for info

*updates from Maybank:

1) All payees under Utilities and Assessment category in M2U-Bill Payment will be qualified.
2) Cumulative of RM300 will qualify for 1 entry. Multiple of RM300 will be counted as n-th entry, e.g. RM600 will get 2 entries, RM900 will get 3 entries, and so on.
3) No restriction on transaction count, e.g. you can pay your Unifi or TNB bills multiple times. As long as total qualified amount meets the RM300/entry criteria, you'll get 1 entry.

seems ok though 

My Amex got compromised again for the 3rd time. This time the amount is above RM5K. I never use it for online transaction since 1st and 2nd incidents.  Where is the leak actually ?? 

if you dont mind i ask, how often did you use the AMEX card?

Not very often. Why?

Not very often. Why?

i am wondering if this is the case..
someone monitoring the spending pattern and target those who seldom use the card...

just like my case, all this while, no issue of fraud since i use it everyweek..
but one time i stop using it for 3months++, there come my first fraud case...

he wonders why your card get compromised so often. I use my card online quite often but never used at petrol station, never get compromised. I used my card online at least once a month averagely

petrol stations may be the reason.

i am wondering if this is the case..
someone monitoring the spending pattern and target those who seldom use the card...

just like my case, all this while, no issue of fraud since i use it everyweek..
but one time i stop using it for 3months++, there come my first fraud case...

I think my case is most probably due to I did not activate the MSOS.  I didn't know Amex user can now use MSOS security starting from Nov last year.

I think my case is most probably due to I did not activate the MSOS.  I didn't know Amex user can now use MSOS security starting from Nov last year.

but my friends never online buy anything also kena....this is weird..

MSOS for amex not support by alot merchant..
so no point as well..
i bet those fraud case is merchant that doesnt use MSOS..

Some overseas merchants don't even need your CVC whatmore MSOS. Just your card number and expiry date will do.

I thought once I activated MSOS, any online merchant regardless of supporting MSOS or not must need my OTP to approve the payment just like visa and mc. No ?

I thought once I activated MSOS, any online merchant regardless of supporting MSOS or not must need my OTP to approve the payment just like visa and mc. No ?

if you provide CVC then don't need OTP

I think my case is most probably due to I did not activate the MSOS.  I didn't know Amex user can now use MSOS security starting from Nov last year.