QUOTE(cybpsych @ Feb 8 2017, 11:01 AM)
what u trying to show to me by making bold on the other user?I can read properly the statement. u are the 1 say i did not read properly.
Credit Cards Public Bank Visa Signature v4, 6% Cashback On Grocery, Dining, Online
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Feb 8 2017, 04:11 PM
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3,281 posts Joined: Dec 2013 |
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Feb 8 2017, 04:48 PM
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4,829 posts Joined: Jan 2012 |
QUOTE(iXora.ix @ Feb 7 2017, 11:54 PM) Hi guys. wanna ask someting about public bankcard procedure. My condolences for your loss. My bro just passed away and left debt around 2k in his card. I already walk in to nearest branch and submit reverent document and pending calls from card center. Does anyone have any experience regarding the debt will be need to be settle in full or any chances for reduction? Okay, the good thing is that Banks cannot sue a dead person. However, the Bank can sue the estate of the deceased or the executor of the estate. Did your brother have a will. Did your brother leave behind a lot of money, assets, money in the bank Did your brother have an ATM card that you know the pin. The TLDR advice is NO NEED to pay the debt of 2k as the bank cannot take legal action against a dead person and for 2k, it's not worth going after the estate or the executor. |
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Feb 8 2017, 10:15 PM
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2,680 posts Joined: Dec 2010 |
Regarding the time zone issue using Cybersource (Shoppee), my transaction at 8.30am was correctly reported as occurring on 6 February, and hence eligible for the cash back campaign.
As I mentioned earlier, my transactions between 3-4am using Cybersource on Zalora were incorrectly posted a day earlier. Not sure what is the "cut off" time for transactions to be posted on the correct day. Hope others will share. |
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Feb 8 2017, 10:43 PM
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6,419 posts Joined: Jun 2005 |
QUOTE(lilsunflower @ Feb 8 2017, 10:15 PM) Regarding the time zone issue using Cybersource (Shoppee), my transaction at 8.30am was correctly reported as occurring on 6 February, and hence eligible for the cash back campaign. Just check, both my Shopee transactions at 9:05am and 11:35am was posted correctly as 6 Feb too..As I mentioned earlier, my transactions between 3-4am using Cybersource on Zalora were incorrectly posted a day earlier. Not sure what is the "cut off" time for transactions to be posted on the correct day. Hope others will share. |
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Feb 8 2017, 10:50 PM
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1,754 posts Joined: May 2011 |
QUOTE(lilsunflower @ Feb 8 2017, 10:15 PM) Regarding the time zone issue using Cybersource (Shoppee), my transaction at 8.30am was correctly reported as occurring on 6 February, and hence eligible for the cash back campaign. My transaction time was at 12.30 am but am unable to view statement because I used my supplementary card. Really hope it's stated as 6/2/17.As I mentioned earlier, my transactions between 3-4am using Cybersource on Zalora were incorrectly posted a day earlier. Not sure what is the "cut off" time for transactions to be posted on the correct day. Hope others will share. |
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Feb 8 2017, 11:17 PM
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Senior Member
2,680 posts Joined: Dec 2010 |
QUOTE(drbone @ Feb 8 2017, 10:50 PM) My transaction time was at 12.30 am but am unable to view statement because I used my supplementary card. Really hope it's stated as 6/2/17. As a principal, you can call CS and ask them to confirm. I always do this when my supplementary cards make foreign currency transactions and I want to know the final amount posted. |
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Feb 9 2017, 06:56 AM
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1,754 posts Joined: May 2011 |
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Feb 9 2017, 07:14 AM
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Senior Member
5,987 posts Joined: Jan 2003 From: North Borneo & South Nihon/Nippon |
QUOTE(lilsunflower @ Feb 8 2017, 10:15 PM) Regarding the time zone issue using Cybersource (Shoppee), my transaction at 8.30am was correctly reported as occurring on 6 February, and hence eligible for the cash back campaign. 6.30 am using paypal USD.... a day before...With enough leeway... 9am, should be safe...As I mentioned earlier, my transactions between 3-4am using Cybersource on Zalora were incorrectly posted a day earlier. Not sure what is the "cut off" time for transactions to be posted on the correct day. Hope others will share. This post has been edited by BeastX: Feb 9 2017, 07:49 AM |
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Feb 9 2017, 07:57 AM
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Senior Member
1,682 posts Joined: Jan 2007 From: Kuala Lumpur |
QUOTE(cfa28 @ Feb 8 2017, 04:48 PM) My condolences for your loss. Thank you for your wish. unfortunately my bro doesn't have any will, even epf also x de nominate. But his epf capable to pay the cc . As for money in acc, I already withdraw before register at jpn for death certificated.Okay, the good thing is that Banks cannot sue a dead person. However, the Bank can sue the estate of the deceased or the executor of the estate. Did your brother have a will. Did your brother leave behind a lot of money, assets, money in the bank Did your brother have an ATM card that you know the pin. The TLDR advice is NO NEED to pay the debt of 2k as the bank cannot take legal action against a dead person and for 2k, it's not worth going after the estate or the executor. so far his cc debt are pb=2k aeon 5k citibank 8k again thank you for the input |
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Feb 9 2017, 08:01 AM
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Senior Member
6,955 posts Joined: Apr 2008 |
QUOTE(iXora.ix @ Feb 9 2017, 07:57 AM) Thank you for your wish. unfortunately my bro doesn't have any will, even epf also x de nominate. But his epf capable to pay the cc . As for money in acc, I already withdraw before register at jpn for death certificated. curious what will happen if you don't settle his cc debtso far his cc debt are pb=2k aeon 5k citibank 8k again thank you for the input |
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Feb 9 2017, 08:39 AM
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All Stars
65,262 posts Joined: Jan 2003 |
QUOTE(cybpsych @ Feb 6 2017, 09:07 AM) could be uobpayonline's issue. this morning around 7am+, i've paid 9 bill payments: 1x astro @ astro portal (principal card) 1x maxis @ maxispay (principal card) 2x umobile @ umobile portal (principal card) 4x webe digital @ webe portal (supp card #1) 1x unifi @ mytm portal (supp card #2) all total RM1,000.00. occasionally, i will get SMS alert for multiple transactions in short period: "RM0.00 Multiple usage on your card ending xxxx, latest @ <merchant name> RMxx.xx FEB06 07:25am. Pls call Public Bank if you didn't use it" I dont get this reminder if i delay a bit, cuz i need to login to each self care portal to pay after reading your post, i quickly call PBB CS to verify all transactions + amount are recorded in each card. so far, no issue, all captured in their system. didnt notice any odd behavior just now, but i didnt observe where it redirected to. email info after payment: ![]() QUOTE(cybpsych @ Feb 6 2017, 09:14 AM) update to MGM's maxispay transaction @ 6 Feb 7:11am was captured as 6 Feb. my card info is saved in maxispay, didnt face the cybersource page to enter manually. ![]() |
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Feb 9 2017, 10:05 AM
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Senior Member
4,829 posts Joined: Jan 2012 |
QUOTE(janson_kaniaz @ Feb 9 2017, 08:01 AM) Nothing will happen. Bank will have to write off upon notice of death. But important is not to use the CC after the card holder has passes away. Not worth it for 5k for bank to take action against the deceased estate. On this case, there is hardly any estate. |
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Feb 9 2017, 10:56 AM
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Senior Member
1,754 posts Joined: May 2011 |
QUOTE(drbone @ Feb 8 2017, 10:50 PM) My transaction time was at 12.30 am but am unable to view statement because I used my supplementary card. Really hope it's stated as 6/2/17. QUOTE(lilsunflower @ Feb 8 2017, 11:17 PM) As a principal, you can call CS and ask them to confirm. I always do this when my supplementary cards make foreign currency transactions and I want to know the final amount posted. Just called up CS and the transaction for lazada on 6/2/17 just after midnight revealed statement date of 7/2/17. So, am keeping fingers crossed because that transaction was more than RM 1000. |
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Feb 9 2017, 11:57 AM
Show posts by this member only | IPv6 | Post
#2474
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Senior Member
645 posts Joined: Apr 2007 |
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Feb 9 2017, 12:03 PM
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Senior Member
7,496 posts Joined: Feb 2007 |
QUOTE(cfa28 @ Feb 9 2017, 10:05 AM) Nothing will happen. if it's not a large amount the bank will forgo it otherwise the bank will chase it Bank will have to write off upon notice of death. But important is not to use the CC after the card holder has passes away. Not worth it for 5k for bank to take action against the deceased estate. On this case, there is hardly any estate. |
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Feb 9 2017, 01:51 PM
Show posts by this member only | IPv6 | Post
#2476
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All Stars
18,398 posts Joined: Oct 2010 |
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Feb 9 2017, 02:16 PM
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Senior Member
4,829 posts Joined: Jan 2012 |
QUOTE(MGM @ Feb 9 2017, 01:51 PM) This term is called Right of Set off. It allows the Bank to set off one account which is in credit against another account in debit of the same person. To counter this, don't maintain CASA or FD in the same bank where you have loans such as CC, PL, etc The right of seems off is authorized and is standard terms of all loans and accounts. |
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Feb 9 2017, 04:08 PM
Show posts by this member only | IPv6 | Post
#2478
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All Stars
18,398 posts Joined: Oct 2010 |
QUOTE(cfa28 @ Feb 9 2017, 02:16 PM) This term is called Right of Set off. Good advice if want to chow Kang.It allows the Bank to set off one account which is in credit against another account in debit of the same person. To counter this, don't maintain CASA or FD in the same bank where you have loans such as CC, PL, etc The right of seems off is authorized and is standard terms of all loans and accounts. |
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Feb 10 2017, 11:09 AM
Show posts by this member only | IPv6 | Post
#2479
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Senior Member
1,407 posts Joined: May 2010 |
Hi, Is Autodebit payment consider online payment?
All my HP bill are on autodebit payment now, just got my cards. Was wondering |
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Feb 10 2017, 11:12 AM
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Senior Member
4,232 posts Joined: Apr 2011 |
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