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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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qu3vax
post Sep 6 2018, 05:09 PM

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QUOTE(MGM @ Sep 6 2018, 12:48 PM)
And knowing that u allowed others to use your card, the bank was ok with it,?
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ok wo... the rest of the day she still using without any call from bank/decline transaction(i forgot i got continue for another purchase or not)

advise destroyed the old one to avoid any incidents for future safety. i did on my old card with same numbers also. usually i kept all the old card for my collection but not the same number!!! very important, who knows one day stupid thief steal and try one by one? haha

This post has been edited by qu3vax: Sep 6 2018, 05:12 PM
qu3vax
post Sep 6 2018, 05:13 PM

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QUOTE(LostAndFound @ Sep 6 2018, 04:02 PM)
Rules are set by the bank to protect themselves (so if your wife swipe you're liable since you're not supposed to be letting her swipe), doesn't make it unethical for the bank.

It can be seen as unethical for you to breach the bank's T&C, but the banks won't see it as themselves breaching ethical rule.

This topic is unending,, last time we discussed this (few versions of thread ago) mod just came in with one conclusion - T&C say it's not allowed, end of discussion.
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totally agree. and that's cost me RM50 for supp card. bangwall.gif
qu3vax
post Sep 14 2018, 10:29 AM

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New fraud. Transaction passed thru without my msos code!

This morning i received a sms for MSOS code, i ignored it because i thought someone trying to use my credit card performing online transaction and the SMS and code is safe with me. While i am wondering do i need to cancel the card later since i receive this kind of sms and my card might exposed. Then while i was thinking, received another sms, TRANSACTION WENT THRU!

Directly call bank. After verification this and that and put me on hold to block the card,while waiting for the process, i received another sms, 3000USD again!
Then after put me on hold and came back telling me that the card has been blocked, i told them another 3000usd went thru, and CS also noted it with surprise tone and ask me do a dispute if the transaction shows up on my statement.

I asked them why without MSOS code , the transaction also can went thru?
They said frauder might have their way to bypass it and answer me they are not so sure about it but they will look into it.

Nowadays even if you think the phone is safe with u and actually it's not so safe also.


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qu3vax
post Sep 14 2018, 10:54 AM

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QUOTE(David83 @ Sep 14 2018, 10:39 AM)
At ABCDEFG US?  blink.gif
What a merchant name!
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The CS laugh also when she read out the transaction.haha!

QUOTE(cybpsych @ Sep 14 2018, 10:41 AM)
this is normal in fraud scene. fraudsters can trigger transactions without triggering MSOS.

good practise is you called up bank immediately, which is why we always try to reduce the SMS notification to RM1, where possible. imagine if the fraud transaction is lower than your sms threshold. you wouldnt even know it until it get posted, which is already too late and need longer dispute process.

now, the fraud transactions already been flagged by the bank, which is good because it will not be settled/posted into your card account. at this stage, bank will investigate the fraud transactions and once proven legit, will not be passed thru into settlement stage (i.e. wont be posted). fraudster cant get the money.
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Ya, it's lucky to see it after i woke up, imagine if happened in the midnight then longer dispute process will be performed.
qu3vax
post Sep 14 2018, 11:05 AM

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QUOTE(cybpsych @ Sep 14 2018, 11:02 AM)
as long as it's still floating (not posted), then it'd still faster in dispute.

once posted/settled, then the dispute hits chargeback process which is super long because it takes about 2 stages of dispute: 1st round direct to merchant, if merchant failed to support their transaction with evidence (probably would fail if triggered by fraudster), 2nd round (arbitration) goes thru issuer bank+acquirer bank+Visa.
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You are so pro~ even in fraud dispute! thumbup.gif
qu3vax
post Sep 14 2018, 01:24 PM

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got internal ghost........
qu3vax
post Sep 14 2018, 11:28 PM

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QUOTE(kart @ Sep 14 2018, 11:13 PM)
For such fraudulent credit card transactions, the general advice given here is to call the bank to block the credit card, and request the bank to give us a new credit card (with new card numbers, and new CVV code).

In such case, are we cardholders required to pay for RM 50 card replacement fee?
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no need pay
qu3vax
post Oct 20 2018, 07:53 PM

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QUOTE(perplexedstill @ Oct 20 2018, 04:11 PM)
Both card approved.
Question now, i don't have saving account for Maybank.
If i register m2u with credit card, mean i need two m2u account for two card?
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automatically linked, just login to your existing account and u will see the two cards, if dont. call 1800

This post has been edited by qu3vax: Oct 20 2018, 07:54 PM
qu3vax
post Apr 4 2019, 11:31 PM

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i wonder apply for higher card like M2Premier without any supporting doc is judged by the CL or previous income doc?
qu3vax
post Apr 6 2019, 02:45 AM

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QUOTE(boonhan @ Apr 5 2019, 02:10 PM)
Not sure why maybank card no longer required otp when checkout.
Agoda yes, its depend on the merchant.
But lazada also same.. i just click pay and its done.
You all also same?

I've been reloading to lzd wallet then use wallet purchase to get lzd cashback for a long time already. Some website seems like saved card no longer require OTP.
qu3vax
post Aug 5 2019, 02:47 PM

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QUOTE(ableze_joepardy @ Aug 5 2019, 02:30 PM)
edited

lazada topup not eligible for cashback
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after 8/7 by barcelona card? 2% cash back?
qu3vax
post Oct 1 2019, 11:42 PM

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QUOTE(cybpsych @ Oct 1 2019, 10:00 AM)

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Been silent for quite some time. Sometime really appreciate cybpsych's effort for the contribution of searching back tnc and teach ppl learn to read from those tnc instead of replying sour sour answer. Been seeing this for so many times and made me type something tonight.
qu3vax
post Jan 31 2020, 06:54 PM

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i would like to ask,FCB card. let say i have 2x rm2500 purchase, i buy rm2500 today 31/1. then i am sure the posting date will be tomorrow or few days later.
then tomorrow 1/2, i purchase another rm2500. do i get RM50 for both month? Jan spending(rm50 on 1/2) and feb spending(rm50 on 1/3)?

This post has been edited by qu3vax: Jan 31 2020, 07:02 PM
qu3vax
post Jan 31 2020, 07:22 PM

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QUOTE(ClarenceT @ Jan 31 2020, 07:10 PM)
RM50 only for transactions posted on 1/2-29/2, regardless of transaction date.

If the merchant is using a Maybank terminal (20% possibility) then it is likely the transaction will be posted on 31/1, then Jan CB (credited on 1/2)
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meaning i can only get 1x RM50 cashback for my purchase of 2xRM2500 hmm.gif

btw, it's shopee transaction.
qu3vax
post Jan 31 2020, 07:56 PM

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QUOTE(ClarenceT @ Jan 31 2020, 07:32 PM)
Shopee - before 8pm, normally posted on the same day!
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wow! meaning there is still hope for max cb~! purchased around 7pm just now for 1 x 2500

let see if they post the transaction tonight~ thanks clarence~

Updated

really post on 31th Jan. rclxm9.gif

This post has been edited by qu3vax: Feb 1 2020, 01:13 PM
qu3vax
post Feb 9 2020, 07:49 PM

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QUOTE(engyr @ Feb 9 2020, 06:37 PM)
Lazada, payment by credit card. Entitled for cashback.
Top up lazada wallet - not entitled.

Both I used it last month.
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how about i buy rm100 item and i got rm10 in wallet and pay rm10 by wallet and rest rm90 by card?
qu3vax
post Feb 9 2020, 10:26 PM

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QUOTE(engyr @ Feb 9 2020, 08:45 PM)
You can only choose credit card or lazada wallet.
1st scenario RM100 by credit card, you will get cashback
2nd scenario RM100 by lazada wallet, mean rm 10 balance + top up rm 90 by using credit card. You will not get cashback.
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luckily i didnt try thanks for the input.
qu3vax
post Apr 19 2020, 12:46 AM

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QUOTE(ProxMatoR @ Apr 15 2020, 10:22 PM)
OOT d... but then...

i heard boost starts imposing... eTnG & MaybankQR still free...
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QUOTE(sms2u @ Apr 16 2020, 09:04 PM)
OT both boost and TNG ewallet already have MDR.
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OT, fake news~all ZERO MDR

 

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