very slow processing from ICBC.. i was told they need to send all documents to shanghai for processing.. will get verification calls from shanghai instead of malaysia

I'm not sure, anyway I will follow up again next week.
Let's see what the guy will tell me.

thats what i got the info from the icbc hotline.. they say i will get call from overseas number haha.. super duper slow processing

anyone know how to apply acceptance credit card for restaurant ?
what documents need to prepare for this application?

i guess we need to report idiot and greedy merchant to BNM or the bank who issue the terminal to them

lately many merchant i go they will request 2% charges and 6% for GST terminal charges which add up 8% charges

damn .. out of 10 shop, 7 shops did this.. too rampant liao !!!

recently i went to a restaurant and it's written at the counter that they will charge 0.02% if i were to use cc for payment. but in the end they charged me 2% instead.

This post has been edited by victorywp: Jan 18 2016, 11:46 PM

written 0.02% but charged 2%, this is like day light robbery.

what they did was they took my final amount and multiplied by 0.02 which is equivalent to 2% and not 0.02% as they wrote at the cashier. i already suspected their mistake as nobody would charge 0.02% to customers as it's a very small amount which can be just absorbed by the merchant anyway.

let's report these unethical merchants to BNM

WORST they charge item on top of 6%.. they charge another 2% + 6% if u use credit card

Why you all no complaint like me? I think many merchant hate me already.

Every single chance I can complaint, I will make a full written report and CC every single relevant parties.

merchant hate nevermind, i think some banks and maybe bank negara hate me dy

so any positive feedback/outcome from your earlier complaints so far? please share some good news.

I deal with banks often, so I don't think they hate me enough to deny my business

My recent one by UOB kinda suck. 7 days already and yet to see reversal on my account.

My previous exp with MBB / CIMB much better. 7 days I see the amount credited back jor :/

Maybe need to CC in BNM to increase efficiency.

This 2% thingy normally is the charge that the merchant has to pay to Visa/Master or Amex... normally for small merchant their margin is very low, that's why they charged the merchant fees to the customer.

for this type of merchant, just pay cash. i don't think BNM has anything to do with that. well, that's my opinion though.

you mean the extra 2% or 3% fee refunded to your account directly?
please share to us your email draft to bnm lah.
how do you prove the extra charge? showing your receipt vs your cc slip?

reversal meaning it is 'absorbed' by the merchant or the bank?

Just write there :

The price shown on receipt differs with CC slip.

Note the time date stamp on both items.

Now with GST, they won't dare to adjust the tax invoice to make up for the 2% they charge you.

If they do, they'll be in a bigger trouble with Customs for GST.

Anyways, they credit back the amount as per the official tax invoice for my case.

I think bank absorb 1st, then fine the merchant?

I heard if more than 3-5 complaints, will revoke the terminal.

I feel like purposely go there 10 times and swipe CC each time to ensure they get fined every single time

if you do that, then next time you have to pay by cash already lor since they don't use cc terminal anymore.

LOL!

You've got a strong point there.