edit your post before confusing more newbie for this card

Haha, so you also just know about the 5x TP

cybpsych nice

This post has been edited by Human Nature: Mar 29 2014, 05:13 PM

I never bother on this as out of 100 places, about 40 places I can't use AMEX, so weekdays I use the Master while weekend in KL(if I go down) I use AMEX

Hi fellow seniors, I did stumble upon with number of previous replies in regards to AMEX unauthorized transactions. What would be the best workaround to safely use AMEX for online transactions? Would Paypal somehow will reduce the risk? My another concern is, is it by paying TnB, Unifi, DG or even Movie Ticketing be it (TGV or GSC) by AMEX through online transactions would also increase the risk of getting exploit?

Well, when sheet want to happen, it will still happens.
The only way is do manual swipe(which not that practical since now we are doing more online shopping).
So far I don't have any illegal transaction takes place(using it for 4-5 months already). But when I want to buy online(usually from US Ebay), then I will "put" back AMEX to Paypal. With all the fraud case taking place, MBB card center are trying their best to counter this. When I was trying to put the card to Paypal(need to swipe USD1 for verification), it won't allow you until you call card center to unblock your card for Payapl transaction.
To make it safe, you just tell the card center how much you are going to swipe and once done, remove the card from your Paypal account.
M2U should be safe from getting hacked, been using it for 10 years and no problem with it.

One of the precautions is to clear ur cache/cookies before & after doing online transaction...CCleaner is a free app...

another way is to set SMS notification limit to RM1.. so for any amount charge to yr card, you will be notified and act accordingly..

This post has been edited by mytaffeta: Mar 30 2014, 12:47 PM

where do you set this ? Cant find it in maybank2u.

call customer service. phone number at the back of your card

you can use incognito/ private browsing from your browser. cache/cookies are automatically deleted when you close the webpage

damn, was trying to purchase airasia flight with AMEX using mobile app but it doesn't allow me to go through. error fields.payment-code

when i select visa/mastercard then it let me through. anyone having the same issue?

now i know why. the cvv code is actually 4 digits from the front, not3 digits from the back
i missed the chance of getting 5% cashback

Buy 1 Free 1 every Thursday for IMAX Halls
IMAX Promotion Period : 3rd April – 31st May 2014

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This post has been edited by cybpsych: May 21 2014, 08:33 PM

Hi all
Just wanna ask for oversea spending, which card have better rebate?
Are the 5% and 5x point apply for oversea too?
Or to use the master card as it have better rate and lower service charge?
Thanks

Are the 5% and 5x point apply for oversea too?
-5X, yes, any time
-5%, yes, follow local transaction time, theoretically Saturday 0000 to Sunday 2359.
(mean if transact in US, follow US local time, if at Australia, follow AU time)

Or to use the master card as it have better rate and lower service charge?
-some say amex better if factor in the 5%, some say mc better. so, subjective..

if you haven't exhausted your RM50/month rebate then its cheaper to use AMEX on weekends because of the 5% rebate and 5x TP.
if you've already exhausted it then use the Mastercard as it offers lower Admin fees

rm1000 in US only USD300, stay in hotel already USD100(maybe?), not to mention food price.

Amex's 5X TPs is equivalent to 2% (in TPs), higher than OCBC Ti's 1% (in cashback).

I dont understand about this. is it weekday got 2% cash back ?

it's equivalent value only, not cold hard cash.

you see, you need 12,500 TPs to redeem a RM50 voucher. in order to obtain 12,500 TPs, you need to spend/swipe RM2,500 (2,500 X 5 = 12,500).

So, RM50/RM2,500 = 2%


Now, work the numbers the other way round:

Spend	AMEX 5X TPs	Equivalent Value
RM1	5	RM0.02
RM10	50	RM0.20
RM100	500	RM2.00
RM1,000	5,000	RM20.00
RM2,000	10,000	RM40.00
RM2,500	12,500	RM50.00

In short, you swipe RM2,500 to give you 12,500 TPs to redeem RM50 voucher.

Advantage: Higher equivalent-value in TPs than OCBC's.
Disadvantage: TP redemption only.


Now, let's compare OCBC's 1% cashback: To get RM50 cashback, you need to swipe RM5,000 using OCBC.

Advantage: Cashback can be used immediately to offset some of your cc outstanding. The more you spend, the more cashback you get, no limit.
Disadvantage: Low 1% cashback.

This post has been edited by cybpsych: Mar 31 2014, 02:19 PM

reminder....



http://bills.maybank2u.com.my/ccedm/edm_CC351/CC351.html