Depending on what method u using to pay.
If use m2u then can do payment in the day itself.
If giro from other bank, make sure a day before(business day) or few day earlier if non business day

Hi,

Just want to ask the following questions :
1. If got fraud and we block the card, do we need to pay for that fraud charge?
2. If block, Maybank will issue you a new card?
3. To get cash back for petrol, can it be done at the counter?

1. Depends on the bank's investigation and the evidence.

So one still need to pay for the fraud charges first then only later the bank will refund. If is really a fraud, but the bank said not a fraud, how to complain?

Me on another hand doesn't like installment and BT. I was "forced" to take installment when Maybank had discount for RM 300 for iPhone 6 last year. The feeling of paying RM 4++ every month for 6 months is not nice. Then I itchy butt went and applied BT and 1k+ every month for 6 months. Finally these two have ended in May and June, now I'm a free girl. Don't want to be tied with this kind of obligation anymore.

Hi,

Just want to ask the following questions :
1. If got fraud and we block the card, do we need to pay for that fraud charge?
2. If block, Maybank will issue you a new card?
3. To get cash back for petrol, can it be done at the counter?

Bro, I had several fraud cases. Previously before there was sms alert, I only found out about people cloning my card after I got my statement. Now we have sms alert and we will know when a fraud case occurs. That is if the Card issuer allows us to set the default value. Read this thread on SMS alert.

Most banks (not all) allow us to set the sms alert default value to RM1, the banks that allow me to do so are MBB, OCBC, HLB, UOB and Alliance. Citibank can lower the default value to like RM200 or RM250.  MBB the easiest, just call CS and request over the phone. If you have not, do it immediately.

Only once or twice I did not receive sms from MBB for local transaction but other than that I have been receiving sms for my retail (in person) and online transactions with my MBB and UOB cards (my main cards because I get 5X points) even when I am in USA, SG or Australia without fail.

For fraud or cloning of cards, only need to call CS (number behind your card and no other number) no need to do police report. But if your card was stolen or lost first thing is call CS and then go make police report immediately.

As for those unknown/private numbers and numbers you are not familiar you can always answer them BUT never ever release any personal info to them. If they said this and that, just tell them you will call back (number behind the card once again and no other numbers). There have been cases I got call from the bank and they wanted to do verification over the phone but since I am not sure if the call is genuine, I will tell I can't release my info over the phone and said I will call CS and they will understand. And never press redial but always key in the number behind the card when calling CS - this is extremely important and therefore I keep stressing it.

If mobile numbers, maybe I won't be bothered because most probably they are pesky pest HLA agents or scamers. But you see, I have several mobile lines/phones and 99% those scam calls or sms ( i get many ) or HLA agents will call a particular line that I give out to others (say filling up forms/contests, when people ask for my contact number, contact number behind my cheques, etc), so i know it is a scam when a person calls me saying he is from the bank. One time a person said he was from RHB and the number that showed up in my phone is that of RHB CS. I believe my this number is sold to scamers and circulating round and round. For banks, I have a different line that that not many know off and if get a call from a landline on this line I am sure to pick it up.

And sometimes I do get calls from the banks when I make transactions that is out of my normal spending pattern, e.g. at jewelry outlet. The person will identify himself and would verify if I had used the card and that is all and they will never ask for my personal details.

I even got a fraud call claiming that I have Unifi bills outstanding and the number shown is similar to Unifi number at their website but I know it is a scam because my unifi bill is auto debit and I get a thank you sms from Unifi every month. Please visit my facebook account at www.facebook.com/GenXGenYGenZ and read post this post dated 1 September 2013 and 3 May 2013 relating to fraud.

I also suggest you click here and read my article Credit Card Fraud Calls and Bank SMS Alert Default Value where I mentioned about Caller ID Spoofing.

Is the latest day to pay the credit card bill (without incurring late payment change) the payment due date? So, it is not a day before the payment due date, right?

hi all,

just wanna ask regarding TGV rm10 everyday
does it applicable for weekend as well?

cos maybank gave me MC instead of visa

one more thing, last time i went to TGV OU, the rempit counter boy said i cant ask for 10% discount at Concession Counters eventough its mentioned clearly on the website

Can also use instant Bank Transfer, now only 50sen.

hi all,

just wanna ask regarding TGV rm10 everyday
does it applicable for weekend as well?

cos maybank gave me MC instead of visa

one more thing, last time i went to TGV OU, the rempit counter boy said i cant ask for 10% discount at Concession Counters eventough its mentioned clearly on the website

Me on another hand doesn't like installment and BT. I was "forced" to take installment when Maybank had discount for RM 300 for iPhone 6 last year. The feeling of paying RM 4++ every month for 6 months is not nice. Then I itchy butt went and applied BT and 1k+ every month for 6 months. Finally these two have ended in May and June, now I'm a free girl. Don't want to be tied with this kind of obligation anymore.

After much begging, I did managed to get a "place" at the very last minute for the Maybank EpiCentre event and got the iPhone 6 for RM300 less  However, what you said above is very true, I have mentioned several times before it is not worth the effort to perform BT for amount less than RM10K to go earn miserable interest and be in debt. 0% Installment Plans and Balance Transfer Plans can be a very dangerous tools for those who have no cash on hand to pay in full.

For those new to credit cards - click here to read my article 0% Installment Plan with Credit Cards - It IS A Trap and click here to read my article Balance Transfer Plans - Facts You Need To Know.

was at TGV OU yesterday. thought wan to Q at MBB priority lane, but so many people. Q normal lane faster!

Brought the normal price RM16 movie tic instead.
while waiting to charge my Amex, i asked and confirmed with rempit counter boy deal on MBB card.

Everyday RM10 apply to movie before 6pm.
Imax Buy1Free1 on Thursday - the rempit counter boy said its restricted to few front rows seats.     
never go Imax before, thus 

Oh yea...i can so relate to this. I just completed my final BT this month. Heaved a sigh of relief.. 

Credit card newbie here. Just one question (I've searched but can't find the answer).

Is it worth it to use the credit card for merchants that charge 2% service fee on weekends? Since we get 5% cashback, simplest calculation would mean we can get 3% cashback (5% minus 2% service fee), which is still a plus rather than using cash to pay.

Is that calculation correct? I just want to know if it's better to pay by cash or credit card for merchants that charge 2% fee

Yes, still worth and you get 5xTP as well.

Credit card newbie here. Just one question (I've searched but can't find the answer).

Is it worth it to use the credit card for merchants that charge 2% service fee on weekends? Since we get 5% cashback, simplest calculation would mean we can get 3% cashback (5% minus 2% service fee), which is still a plus rather than using cash to pay.

Is that calculation correct? I just want to know if it's better to pay by cash or credit card for merchants that charge 2% fee

Congrats on the new thread~

Just got my cards yesterday at OU.
Anyone tried using ezycash before? How long it takes to be credited in your savings account if apply using m2u? Within 24hours? (Havent link my cards yet)