It’s also very crowded these days. Sometimes I will go to the regional GL instead.

Sorry for newbie question...Can i ask how some people can bring whole family of 4 to lounge? Same person can swipe 4 different bank credit cards to bring in?

if u have 4 different bank cc that allow free access, most PPL will allow, especially in KLIA/KLIA2

Had an unauthorized transaction on Ambank Enrich Platinum (Youtube Premium for 12800 JPY Yen) on Saturday night. Called CS, said already charged. Need to monitor statement see if it's being charged. I thought if I called CS to stop it from going through, the transaction should still be pending/floating?

PS: Saw others shared in XHS it's happening also in Alliance CC.

i have a question, once annual fee is charged to Enrich VI, cannot be cancelled? as in have to pay the annual fee only can cancel?

If you didn't make any transaction after AF is charged, you can cancel the card and they will reverse the AF too.

when u see on ambank app, it already charged. this is one of the limitations of ambank cc. (transaction reflect after 3-5 days)

This cycle billing statement seems to be delayed. Supposedly every 16th but today is 21st still no e-statement.

nope. mine 16th statement date . already got . Included with SST 25$ (cannot waived as no ambonus point), bank also dont waived. Just pay as i really enjoy the benefit using Enrich Platinum ( hit gold with 30% reduction on elite point and hopefully can reach platinum before end of this year)

This post has been edited by ericlaiys: Jul 21 2025, 09:49 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 ?

I have to call them tomorrow then..my vi islamic already available on 16th

sorry, i meant i received the transaction notification. Bcoz the CS told me it's already been charged and cannot stop them. Need to monitor from app/web to see if it's charged.
That's why I am thinking, why can't it be stopped? shouldn't it be only floating/pending?

cannot. even floating and pending

Holding their Enrich Platinum and I don't spend using this cc at all

Yesterday Ambank officer called offering RM40k 0% interest some sort of cash advance from my cc for 6 months

I decline, not needing any money and she continue to pester offering RM10k if RM40k is too much

Again I decline. The whole conversation ended less than 1 min

Thinking back, just wondering how do banks earn offering 0% interest cash advance? Didn't inquire about the T&C until now

potential earning from your future lapse in cc repayment

CC CL already granted to you anyway. you either utilize it via card spending or bank offer cash advance (0%). either way, bank still havent lose money yet, but you're already in their "debt trap".

if you're good paymaster, you repaid everything. nobody lose.
if you're bad in repayment, bank gain from all the fees they impose to you.

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.

maybe the words you used is a bit confusing for us to understand better

1. unauthorized txn happened and triggered notification. <-- this is the 1st step of payment charging. it is just an attempt to charge. it will be at pending/floating state. issuing bank CANNOT stop it, they must authorize/receive it first ... unless it's outright fraud/non legit txn which already flagged upfront

2. CS said "Need to monitor statement see if it's being charged" <-- yes, if the txn is valid, no dispute/complaint, passed all checking, the merchant will attempt to "Settle" the transaction. Most issuers have the ability to prevent the txn from being Settled/posted into the account, by flagging it with some 'suspicious/dispute/fraud' status.

3. fraud transaction will be left unattended/untouched by fraud merchant, until the transaction expires. and your cc account will not see the txn appear in your statement (because it's not posted).

This post has been edited by cybpsych: Jul 22 2025, 02:56 PM

I am getting AF waiver for Ambank Enrich VI coz spending more than RM100k. Is Ambank EVI still the best for Enrich coz I spend mostly on oversea?

Do some homework.

Alliance VI is good too. RM1.50/EM when converted. Have not accounted for the 10/20% bonus when convert during their promo.

Just tried to use my ambank visa infinite at senai airport ppl and apparently it can't be used there.. only allowed is metal infinite.. sad