Also take note of the finance charges. Certain outlet will charge 4% finance charges even though is 0% installment.

Last I heard, Aeon Big doesnt have any charges, but I am not sure.

Is the 5% cashback on restaurants dining apply to all restaurants or selected ones only?

Btw, is mamak restaurant counts?

If mamak having cc terminal, yes.

Those I mentioned have no finance charges.

which mamak accepts cc? maybe can create a list later.

Eh, I thought Harvey Normal got charges, because I want to buy something buy installment also. Will go check it out. Thanks!

Kayu Mamak at Kota D'sara if no mistaken

Wah, I thought mamak will unlikely have cc terminal, but i am wrong.

Normally those premium Indian Restaurant will have cc terminal thou

The high class mamak food price is anytime more than regular mamak by 10%, so if you get 5% cashback also not worth it. Hahaha

Pelita at Mont Kiara also accepts CC, I think.

I think no but well I haven't done any installment with them before, so I could be wrong.

rich fag spotted

i hope they don't charge service fee or whatsoever like some telecommunication shop

No surcharges are allowed even for installment or CC usage.

If they do charge, go ahead and lodge a complaint with BNM / VISA / Master and etc.

But I don't think Harvey will charge.

Because of GST, you charge surcharge, you'll end up with a massive headache later

Okie thanks.

Some telecommunication shop will have this surcharge, the reason being is the bank charge them, so they bring this to the consumer... so i believe this can be complain-able?

I did make an extensive research on this topic last time.

And the reply I received from global governing body ( Visa / Master ) is the same.

There should NOT be any surcharges.

It's also stated in the terminal rental agreement.

Customers are not to be charged with the surcharge.

So go ahead and be anal. Complaint non-stop until they refund you.

I received a refund before due to this surcharge by a camera shop.

Great to hear that and Good work you have done!

This means I have paid some surcharges already to them. Well I think can't be refunded due to long time ago, ie more than 9 months and more.

If you ever faced this problem, what should you do? By the way is the research available for reading/maybe in this subforum?

The staff thinks it's not necessary to have such thread so I am not too sure where's the research went to already

Depends on how they manipulate.

If they manipulate the surcharge and include it into the tax invoice, it's pretty hard to argue in that sense.

But most people won't do that as that will artificially inflate their profit and increase their GST payable to Customs.

If the tax invoice issued and the amount charged is different, scan a copy of those receipts and lodge a dispute with your issuer before raising it to BNM / Visa / Master if no action is taken.

2 weeks or so before you can get an answer.

This post has been edited by chiahau: Nov 19 2015, 11:11 AM

Hmm.. Last time i use hong leong bank cc got show available credit limit.. This maybank didnt show anything and quite confusing.. My outstanding balance is rm1300+, rm2k epp for camera and just now i still can swipe epp for iphone at rm3.8k.. My credit limit is 5k only..