Hi,

I have a question regarding credit card usage. I'm still studying, dad is working in Indonesia and mom is a housewife. Several days ago, our TV has reached it's end of life and we want to get a new one using installment.

Is it possible for my mom to use my dad's credit card to purchase the tv? Is it allowed? If not, what other ways is there?

And if I am correct, merchants don't accept debit card for installment transaction right?

Thank you.

Please advise me which ACT state that it's fraud offence? Can you provide me some and i'll apologize for that?

he is asking for advice and i did not ask him to commit fraud.

Why you did not mentioned any "consent" given? Please do consult your lawyer about this.

Do not read the first of my statement. Read until end of my statements and words.

Please advise me which ACT state that it's fraud offence? Can you provide me some and i'll apologize for that?

he is asking for advice and i did not ask him to commit fraud.

Why you did not mentioned any "consent" given? Please do consult your lawyer about this.

Do not read the first of my statement. Read until end of my statements and words.

I will give an example for that for his mum to decide , and in order for his mum to save troubles.

- Daddy has a credit card

- Mummy does not has a credit card

+ obviously, mummy & daddy legally married as husband and wife

- Now, Mummy want to use Daddy's credit card. She has consent of her husband. In case any police report lodged, bank open up investigation, the first thing bank will call for Daddy.

- Daddy has 2 options - to say he himself is using the credit card (bank won't proceed further)
                                - to say he gave consent to his wife (bank also would save trouble and not proceed further)

- Now, in between who would lodge the report? husband? wife? son? There is no report lodge because that's the consent between family members.

Indirectly, there is no people know between this. Remember, this is family's matter. It does not involve stealing, cheating. It's CONSENT.

By law, it's legal if the husband can write a formal letter by giving consent for his wife to swipe his credit card.

So, what has i mislead?

Out of 10 merchants, 7-8 will not ask for NRIC to process based on my experience

That is why fraud happens and BNM set the rules every cc beginning 2017 will have to use 6 digit PIN

You go senheng or senq or aeon , did they ask for your NRIC?

Don't get butthurt easily. We're discussing in healthy way. The way you say make it like i am encouraging him to commit fraud.. chill up get some fresh air..

second, do you know how to scroll up after i kept reiterate it's up for him to decide and  i did not ask anyone to commit fraud first?

did i say u are the one who report me? u terasa or me?

i applied for citibank cards but after awhile i have not used the card and its not even activated yet. So i decided to cancel it. My concern is that will there be any implication for applying then cancelling the card afterwards?
Am i still eligible for applying any card from citibank in the future?

Anyone using phone apps to store credit card info with password protected? I have so many cards and dont like put all into my wallet. Would like to keep retail, grocery and petrol only. Others such as online transaction want to leave at home but have the card info if need to use.

Any trusted apps?

You can use iPhone's "Note" to store those detail and password, it come with security feature which is what I'm doing now

You can use iPhone's "Note" to store those detail and password, it come with security feature which is what I'm doing now

Good idea, now just need to buy an iPhone

You remind me about the bold part. I shall stop here.

It is okay,  i am used to her personal attacks.

You get it wrong. I am not the one that wants to buy the item, and obviously I am not the one that encourage the person to forge the signature. Read it back. And I am amused that the people who encourages it replies as #755.

I was summoned here. Be right back after dinner.
Meanwhile, @Ah SiAnG said what I wanted to mention and keeping up with the times - if member aromachong wishes to defend his statement, I wish to be present to do a video record his/her actions and I'll personally submit the video along with his/her information and the merchant information where this scenario occurs to:

1. The merchant bank indicated on the card.
2. VISA/Mastercard International.

I won't be judgemental and perhaps our advice will be challenged. 
So I'll allow the 2 parties above to make that judgement (since they are directly providing the service to card holder) and we'll see what subsequently happens to the

1. Card holder (whovever it is ... no exception)
2. Merchant allowing the transaction to go through (with cables or no cables will not be spared)
3. Merchant bank (if they allow this typical Malaysian 3rd world mentality/class scenario to happen)

It'll be an interesting case study to watch folks. The response to the above would be world class, I can assure that.
Meanwhile all offending post will be swiftly removed without prejudice. If I miss anything or such irresponsible suggestions in this nature are bought up again, please (readers) let me know without hesitation.