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Debit card, Anything about it.
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nicholastze85
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 Apr 21 2009, 10:44 AM
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Getting Started
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QUOTE(happy4ever @ Apr 21 2009, 10:17 AM) For credit card, the bank will pay off in one lump sum to the retail outlet for the item you bought, which will reflect on your total credit limit minus the amount you bought. If you don't have enough credit limit, the transaction won't go through. And then you pay back each month until it pays off what you owe. For debit card, it will pay off in one lump sum for the item you bought, using your own money. So what's left for installments? Its your money that is used, not the bank. So , wat can i do now if i dun have so much cash for CPU? Any solution for me to have ezypay bside credit card? |
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happy4ever
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Apr 21 2009, 10:48 AM
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QUOTE(nicholastze85 @ Apr 21 2009, 10:44 AM) So , wat can i do now if i dun have so much cash for CPU? Any solution for me to have ezypay bside credit card? If you have NO MONEY, don't buy.  Credit card spending means you're borrowing from the bank and paying back later. The key word is "BORROW", and use this if and only if you can't save, and desperately need that CPU for its awesomeness. |
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nicholastze85
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Apr 21 2009, 11:01 AM
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Getting Started
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if i so desperate to buy 1, any solution?
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GHz
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Apr 21 2009, 11:10 AM
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QUOTE(nicholastze85 @ Apr 21 2009, 11:01 AM) if i so desperate to buy 1, any solution? If so desperate then ask your parent to buy lor. |
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yeezai
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Apr 21 2009, 11:49 AM
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get a cheaper one ma ok lor...i guess no body is free from debt....its juz how well you manage your debts....
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StupidZ
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Apr 21 2009, 02:59 PM
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May I know is Citibank Visa debit card able to be verified by paypal?
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MilesAndMore
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Apr 22 2009, 11:51 PM
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Look at all my stars!!
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QUOTE(hye @ Apr 18 2009, 01:35 PM) Not sure about SCB but I didn't find SCB ATMs either around the major shopping complexes / BTS stations. Missed this post earlier. Anyway. It is indeed quite big. In fact it is the largest foreign bank in Thailand in terms of branch and ATM. This is because they took over a Thai Chinese controlled bank in the 90s and that give them many branches across Thailand. |
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SUSOptiplex330
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Apr 24 2009, 12:50 PM
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Debit Card number. How many digit? 16 or 18?
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hye
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Apr 24 2009, 01:04 PM
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White Tiger
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QUOTE(Optiplex330 @ Apr 24 2009, 12:50 PM) Debit Card number. How many digit? 16 or 18? Same like credit card ... 16 digits in sets of 4. |
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zeist
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Apr 24 2009, 01:05 PM
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Dudes,
Just wondering, where do you normally use debit card? Other than hypermarkets? I'm still new to it. Petrol station?
Starbucks? MPH? Anywhere? I know online shopping is not possible. Since I'm using the $$ directly from my account, will they charge interest or not?
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nanakopy87
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Apr 24 2009, 01:50 PM
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QUOTE(zeist @ Apr 24 2009, 01:05 PM) Dudes, Just wondering, where do you normally use debit card? Other than hypermarkets? I'm still new to it. Petrol station? Starbucks? MPH? Anywhere? I know online shopping is not possible. Since I'm using the $$ directly from my account, will they charge interest or not? i'm using my debit cards anywhere anytime.supermarket they dun charge any interest.but last time i went to kotaraya there buy dvd,they said if i dun purchase more than rm80.they will charge 8%..as long as u can see VISA(MBB) or MASTERCARD(alliance bank debit card),then can use dy |
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zeist
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Apr 24 2009, 02:12 PM
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QUOTE(nanakopy87 @ Apr 24 2009, 01:50 PM) i'm using my debit cards anywhere anytime.supermarket they dun charge any interest.but last time i went to kotaraya there buy dvd,they said if i dun purchase more than rm80.they will charge 8%..as long as u can see VISA(MBB) or MASTERCARD(alliance bank debit card),then can use dy Siao ah, 8% interest? That's a lot. One transaction swipe 8% interest, if do 10 transaction a day, mati lor. |
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MilesAndMore
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Apr 24 2009, 02:53 PM
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Look at all my stars!!
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QUOTE(zeist @ Apr 24 2009, 01:05 PM) I know online shopping is not possible. Since I'm using the $$ directly from my account, will they charge interest or not? Online shopping IS POSSIBLE. Before i got my credit card, i relied heavily on my PBB VISA Electron and i had successfully buy things from Amazon.com, Genting online hotel booking facility and much more. QUOTE(nanakopy87 @ Apr 24 2009, 01:50 PM) i'm using my debit cards anywhere anytime.supermarket they dun charge any interest.but last time i went to kotaraya there buy dvd,they said if i dun purchase more than rm80.they will charge 8%..as long as u can see VISA(MBB) or MASTERCARD(alliance bank debit card),then can use dy 8% ? TELL THEM TO GO TO HELL ! The merchant fee is nowhere near as high. I believe the merchant fee for VISA/Mastercard is in the region of 1% - 3%. |
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cshong
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Apr 24 2009, 03:35 PM
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QUOTE(zeist @ Apr 24 2009, 01:05 PM) Dudes, Just wondering, where do you normally use debit card? Other than hypermarkets? I'm still new to it. Petrol station? Starbucks? MPH? Anywhere? I know online shopping is not possible. Since I'm using the $$ directly from my account, will they charge interest or not? Online purchase is possible, but your debit card must be a Visa/MasterCard and your bank must allow it to be used for online purchase. I used Debit card for purchasing Malaysia Airlines and AirAsia flight online, pay telekom bills through TM online, paypal, and more. |
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MilesAndMore
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Apr 24 2009, 04:58 PM
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Look at all my stars!!
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QUOTE(cshong @ Apr 24 2009, 03:35 PM) Online purchase is possible, but your debit card must be a Visa/MasterCard and your bank must allow it to be used for online purchase. VISA Electron is accepted too. Have also used it to book my flight on Singapore Airlines via www.singaporeairlines.com. Basically PBB told me my VISA Electron will be accepted wherever the VISA sign is displayed but there had been a few times that my VISA Electron card was declined. That only happened during PC fair at those small computer shops though. |
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nanakopy87
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Apr 24 2009, 05:43 PM
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QUOTE(zeist @ Apr 24 2009, 02:12 PM) Siao ah, 8% interest? That's a lot. One transaction swipe 8% interest, if do 10 transaction a day, mati lor. QUOTE(MilesAndMore @ Apr 24 2009, 02:53 PM) Online shopping IS POSSIBLE. Before i got my credit card, i relied heavily on my PBB VISA Electron and i had successfully buy things from Amazon.com, Genting online hotel booking facility and much more. 8% ? TELL THEM TO GO TO HELL ! The merchant fee is nowhere near as high. I believe the merchant fee for VISA/Mastercard is in the region of 1% - 3%. my reaction tat time was like WHAT!!???8%???imagine the dvd i bought was RM40,then add another RM3.20....wat for???then i juz pay cash..lucky i brought enuff money tat time... yah,most i saw is 3%... |
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zeist
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Apr 24 2009, 08:49 PM
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Guys, thanks for the inputs, learnt something from here.
Would like to know other than hypermarkets, where else can we use our debit card without 0% interest? Common ones like hypermarket.
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MilesAndMore
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Apr 24 2009, 10:44 PM
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Look at all my stars!!
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QUOTE(zeist @ Apr 24 2009, 08:49 PM) Would like to know other than hypermarkets, where else can we use our debit card without 0% interest? Common ones like hypermarket. What do you mean by "without 0% interest" ? Care to elaborate more ? |
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nanakopy87
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Apr 24 2009, 11:06 PM
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i think u need to ask them before pay by card.ask them if use card got charge any interest.
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wkf
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Apr 26 2009, 01:06 AM
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regarding for the installment by credit card for the goods purchase.
is the debit card able to do the transaction if i put sufficient money or top the money up amounting to (4000.00) for installment (100 X 12 mths)
can the transaction do this way. what if it can be done.. will the bank charge?
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