All banks will work within their SLA for response time on fraud cases.
What is your expectations of speed here?

The guest quota / qualification depends on the primary card holder. Supplementary card holder has no power to bring additional guest.
You might as well get your supplementary to apply as principal card holder if this person reside within your household.

This post has been edited by hye: Feb 3 2025, 05:22 PM

All card issuers will use VISA / MC rate as the benchmark when determining the final charge for overseas transactions.
Have nearly 100 AMBank transactions as reference and the final charge using VISA calculator is correct (with occasional plus/minus 0.01 difference due to rounding) after 1% markup.

This post has been edited by hye: Mar 19 2025, 07:03 PM

The markup rates are mentioned in respective card issuer T&C. From my previous analysis - note that some of the local banks / international bank mentioned x% as the markup rate but in reality there are other fees or rates used internally thus it is not whatever % they claim. Analysis used the same merchant transaction date and currency - comparison made using the declared markup rate against the actual charge.

I can name an international FI that rides on VISA but the rate they charge is much lower than our local banks. So it depends on the FI (local or international) on how much they want to make from their customers.

This post has been edited by hye: Mar 19 2025, 09:47 PM

Well ... it is the members choice to decide what to use for your foreign spending.
Wise - cheaper exchange rate, no points, no lounge benefits, cash upfront/financial debit product, currency limits.
AMBank - 1 %, Enrich Points, lounge access, no cash upfront/financial credit product, credit limit varies and depends on your income.

Not exactly an apple to apple comparison if you don't look solely at exchange rate. The perfect product doesn't exist. Decide what suits you / how you wish to be rewarded.

This post has been edited by hye: Apr 5 2025, 09:08 PM

Member KTKY .... Warning
Service solitication in all areas of CC section are prohibited.

This post has been edited by hye: Jul 2 2025, 10:09 PM

Reminding all members that SST cannot be waived.

This post has been edited by hye: Jul 16 2025, 06:17 PM

Hang on ... all cc transctions will receive notification via AMBank app. It is not real time but it will appear within 2 hours a transaction happened. It should appear if you have enabled notification. Did you happen to miss any ?

When you received the transaction notification, that's the time to act informing the bank to block your card. Don't wait till it appears in your statement.
Once a transaction occurs and accepted (using a simple term here), you can't stop/decline the transction. It will need to go through a dispute process before it can be offset/credited. I used the term offset because once the dispute is confirmed and accepted, the disputed amount will be credited back. (Initally, the disputed transaction created a debit value)

Why an immediate call to the bank is important - you are able to stop further fraud transaction from happening. Expect to see the similar processes from all card issuer.

Agents soliciting for clients and vice versa are prohibited throughout the Credit Card section.

Members, please seek the correct avenue.

This post has been edited by hye: Aug 25 2025, 09:05 PM

Most if not all airlines have devalued their Miles program. Very few cards left in the market can be considered but these cards are reserved for High Worth clientele - eligibility requirements are simply too far off for most customers.

A major rethink is needed if members are pursuing airline miles via their credit card spending. Suggested alternative values to consider would be access to Lounge and cost of overseas spending. AMBank Enrich is one of the very few credit cards with low fees for overseas spending. Just 1%.

This post has been edited by hye: Aug 27 2025, 11:30 PM