- So finally it is my turn for unauthorized usage. Received 2 SMS alerts for:

3.39 USD At Glory of Zion
166.95 USD At Fishwest

- This is for my Visa card which I have stopped using since Nov 2013.

- I contacted CS to report and found that there is another 200+ USD transaction.

- So my Visa card is blocked and I will receive a replacement card with new number within 5 working days.

- I can still use my Amex as usual.

- If the merchant claim the transaction within 7 working days and it appears on my M2U, I will have to submit the dispute form.

- No police report is required.

Add: I just checked M2U, the card has been blocked so I can't check if the transactions have been posted or not. So how do I file the dispute? 
p/s
Glory of Zion is a charity org, so I believe the hacker swipe a small donation amount to confirm the card's usability.

does activation of MSOS help us to prevent internet fraud?

I got mine reversal of transaction within 60 days, local dispute/fraud, not sure about international.
You'll get the transaction reversal for sure as if the card is swipe/process in non 3D.
Maybank will not bear for the fraud amount, the processor that process your card will bear for the fraud amount 

I got mine reversal of transaction within 60 days, local dispute/fraud, not sure about international.
You'll get the transaction reversal for sure as if the card is swipe/process in non 3D.
Maybank will not bear for the fraud amount, the processor that process your card will bear for the fraud amount 

Can we keep the Amex2Card Platinum and cancel the Accompanying Master Card Platinum that we rarely used? At least we'll save the GST.

Can we keep the Amex2Card Platinum and cancel the Accompanying Master Card Platinum that we rarely used? At least we'll save the GST.

thanks for sharing your experience. now i am hoping the merchant are not claiming, save the hassle in filling dispute.

by the way, did you pay the amount first pending the outcome of the dispute?

banks are smart, even if it's possible to cancel the MC/Visa, they might implement new rule to charge GST on your AMEX. in the end, there is no difference, they might still charge you RM50 whether it's one or two cards...

but now is rm100 for 2 cards, so there's a difference of rm50 gst per card (IF managed to cancel it).

now also got promo to get back the RM100..
so the RM100 gst not a big deal actually..

it's a big deal if you are going to use it for long-term... unless you just want to use it for one year and cancel...

2nd year already enough TP to redeem the GST..shouldn't be a problem
or think positive, next year GST kick in, RM50 might be abolish

but 2nd year need to use 25k tp to redeem rm100 instead of just 12.5k for rm50. itu pun if the tp didn't depreciate lol...

yeah, if gst abolish then no problem lor...

cannot be so greedy..sometime need to give and take..
5% rebate yearly already give you RM600..
just merely lose RM100..still got RM500 + tp..still worth it

lets hope budget 2015 give more goodies to hard working Malaysian.
after 10% increase of ron95, we need more rebate/tp from credit cards.

lets hope budget 2015 give more goodies to hard working Malaysian.
after 10% increase of ron95, we need more rebate/tp from credit cards.