Yes, technically you are correct as what I have summarized above.

Therefore usually in 3D transactions, the proof is the OTP / app authorization;

Merchant's side of proof for unauthorized transaction is usually either - 3D verification if any, customer details such as contact details & logs / addresses / messages / screenshots. But if the fraud is used for TOP UPs - then it will be more difficult to trace as it will depend on email address / phone numbers.

Therefore, for cardholder side, you should provide proof that the transaction is not done by you if possible, otherwise, the issuing bank usually will have the details of the transaction or necessary information to fight for you.

PBB affected one is campaign CB and the flexipay campaign because Trans in Dec, posted in Jan.

For MBB, you are right. Posted in Jan, can console abit.

Hello, I need advice on how to clear out my outstanding CC debts.
My monthly salary net is 12k and my other commitment total is MYR3.2K

How much should I pay monthly at the interest rate of 15% for each card to be able to settle in 3 years time. Can anyone help please?

SC - MYR70K
HSBC - MYR8K
RHB - 15K

looking at your historical postings, you seems to be in/out AKPK numerous times 

https://forum.lowyat.net/topic/876712?author=MARVIN333
you may need to rethink about your cc usage

I got question about pre authorised holding amount. If we use CC the pre authorised amount will straight away deduct the credit limit. During 10days if merchant didn't claim it credit limit will automatically increase back.
My question is how about we use debit card? If 10days merchant no summit claim will the bank balance increase? Two months ago i ate at 1 mamak they still haven't claim my rm65, i used stand chart Cc

Credit card terminal ma of course got pre authorized holding.

i normally just redeem Maybank TP at Harvey Norman

so 500 TP = RM1

closest comparison for Uni$ is RM50 TNG voucher at 36K Uni$
1 TP = RM0.002
1 Uni$ = RM0.00139

so yeah I think AMEX is still better for local spend whenever usable if my math is right!

Hi, wanna ask: am I right that you always have to make a full payment of the statement balance even though there's a refund to avoid charges?

Let's say I have a statement balance of RM150 on 21 March that's due on 10 April. Then, on the 26th, there's a refund of RM100 being credited. But to avoid being charged, I should still make the full RM150 payment before the due date, right, to avoid incurring any finance charges?

I kena charged finance charges but I'm not sure if it was because I didn't pay the statement amount (I paid only the remaining RM50) or otherwise.

I'm curious.

Is it possible for me to take Cash Advance from Bank A CC and BT to another bank?

Can share what are the better ways?

should probably do in the reverse way
apply BT and resulting in credit balance in CC, then apply advance
NOTE: I have not tried if it is workable though

How do you guys keep track of swipes for annual fee waiver? Like is there any app for convenience? For me Abit susah due to having 4 CC from different banks

Recently I want to add card, banker asked me to submit the latest income doc to them to proceed.

hi all

can I apply supplementary card for distant family or in law
in this case my grandfather in law

would that be an issue as it is not my immediate nucleus family i.e my children or my parents

and secondly, is there a "standard practice" on this or differ from bank to bank

TIA

Hi have a noob questions

If i link my credit card on apple pay of my wife phone who is in a different state, and I keep the physical card with me, can we both use the card without any problems?
Will the bank think theres suspicious activity if its used in different states at the same time?

General question.

Is it common for card to be replaced (automatically) before it's expiration months.

For instance, my Maybank cc will expire in 05/25, but now is march and I cant tap card anymore

Received sms 2 days ago saying my new card is being posted.

"RM0 MBB: Your renewed Maybank Card(s) has been couriered to your billing address. Please disregard this SMS if you have received your card(s). Thank you."