just checked my ram credit info.. i got 8.. 'strong' low risk.. out of 10..

just wonder does bank check this when we apply credits?

Celcom website actually redirect to 11street:

http://www.11street.my/productdetail/xpax-...scount-10750140

BUT, it states Shipping Free (Auto Top-up)

meaning it is still online based right, they are not posting the reload voucher to my address?

at the same time, what is the meaning of auto top-up? I just want to reload one time only...

Yes, online based if I'm not mistaken.
Just one time la. You don't pay them for the remaining times, they won't reload for you as well.

Thanks, will try it

auto top up = direct reload

So I got slapped with a 2% surcharge recently.

Not wanting to argue, I quickly to down the terminal issuer and made copies of the tax invoice and cc slip.

Made a total of 4 complaints ( a new record ) to

1. Issuing bank's cc
2. Merchant's bank
3. Central bank of Malaysia
4. Customs department as well.

Hope it will teach them a lesson. :/

Keep us updated. Why customs?

They are GST registered.

I assume the extra amount will not go to Custom's pockets. So gonna try my luck and lodge a complaint with them as well to ensure compliance in some sense.

Customs so far, my best bet so far. Complaint about few GST registered people, they reacted fast and slapped them with hefty fine

Imagine 2% for 20-30 people a day, they would've received almost extra 100-1XXX per day.

Maybe should lodge a complaint to LHDN as well hahaha.

I'm always curious on the accounting treatment for merchant who charges surcharges on credit card usage

Merchant acquiring bank is? If it's MBB habislah dia !

It is MBB terminal they are using.

I'm using my UOB card that day however as I left my maybank cards at home.

Just wondering,

Can i apply or upgrade my cc using singapore payslip? I read from somewhere banks didn't accept other currency payslips...

Currently using MBB 2 Cards Gold...

Best way is to ask the bank directly.

do you guys feels strange that not much major promotion for credit card lately like 20% cash back, free stuff etc...
cny is coming la, major spending coming up

Posted by a forummer at kopitiam, a useful guidance on the going to be implemented pin thingy:
http://www.cimbbank.com.my/content/dam/cim..._PAY_%20FAQ.pdf

This post has been edited by Human Nature: Jan 13 2016, 10:51 PM

Now only I know if transactions below RM 250 do not require PIN, not sure if it's applicable to all cards or just CIMB.
Hopefully can activate PIN for all amounts.

This post has been edited by fruitie: Jan 13 2016, 11:04 PM

Yeah, same...i wanna key in PIN for any amount

I was told bank charged them 2%-3% for using the cc terminal, if the item they sell very minimal margin and don't charge the 2% back to customer they'll lose money. I don't know it's true or not.

I key in all the time when I was in China regardless the amount. Really safer rather than PIN for certain amounts.
Anyway, if today somebody picks up our card also can swipe it with no hassle.

Depends on terminal rental agreement.

And honestly, most shop's margin is roughly 10~20% if not they won't be selling

Don't care whether they lose money or not, I don't see this practice being done in countries like HK, US and UK.

What you see is what you pay. No such BS as need to cough up extra.