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 Debit card, Anything about it.

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nanakopy87
post Aug 11 2009, 09:39 PM

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QUOTE(wkf @ Aug 11 2009, 09:34 PM)
hi. i'm going to apply the maybank debit card. is it true that no annual fee charged & collect the card on the spot immediately after application.  if not, how long it take for the card collection.


Added on August 11, 2009, 9:35 pmis that any difference between Public Bank VISA Electron and Public Bank Day2Day VISA
*
yes..u can get ur mbb card immediately


PB day 2 day requires u to open a saving account with them,like mbb
PBVE no need any saving accounts with them...
solsekuin44
post Aug 11 2009, 09:43 PM

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QUOTE(wkf @ Aug 11 2009, 09:34 PM)
hi. i'm going to apply the maybank debit card. is it true that no annual fee charged & collect the card on the spot immediately after application.  if not, how long it take for the card collection.


Added on August 11, 2009, 9:35 pmis that any difference between Public Bank VISA Electron and Public Bank Day2Day VISA
*
nanakopy is right. So, as you can see, PBVE is better since it is not linked to your saving account. I want to use this debit card purely for spending. If I mix it up with saving, habisla..

wkf
post Aug 11 2009, 09:44 PM

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QUOTE(nanakopy87 @ Aug 11 2009, 09:39 PM)
yes..u can get ur mbb card immediately
PB day 2 day requires u to open a saving account with them,like mbb
PBVE no need any saving accounts with them...
*
thx. bro/girl. tongue.gif
-Teddy-
post Aug 11 2009, 11:29 PM

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QUOTE(prasys @ Aug 11 2009, 08:35 PM)
The other one is additional fee. Credit cards/debit cards would be charged additional 2-5% or some additional fee. You'll have to take a look under International purchases. The first one is USD$1.95 to Ringgit Malaysia. The second one is processing fees , additional fees whenever you plan to use foreign stuff.

Some banks group it into one. Others like maybank split it
*
Thanks for the info. I don't see any information about this on the Maybank Visa Debit Card page. Do you know the exact figure of the additional charge?
QUOTE(wkf @ Aug 11 2009, 09:34 PM)
hi. i'm going to apply the maybank debit card. is it true that no annual fee charged & collect the card on the spot immediately after application.  if not, how long it take for the card collection.


Added on August 11, 2009, 9:35 pmis that any difference between Public Bank VISA Electron and Public Bank Day2Day VISA
*
Immediate collection, immediate activation. No annual fee. If you're converting your ATM card to the Maybank Visa Debit Card, you will have to pay RM12.
MilesAndMore
post Aug 12 2009, 12:24 AM

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QUOTE(solsekuin44 @ Aug 11 2009, 09:33 PM)
smile.gif I applied for Public Bank VISA Electron debit card. Since Public Bank Day2Day VISA requires you a saving account.
Don't want to open another new saving.

Yes. You will need to open a savings account with Public Bank in order to apply for Public Bank Day2Day VISA debit card.

But in my opinion, Public Bank Day2Day VISA debit card is better because of the lower annual fee at RM12/pa compared to Public Bank VISA Electron at RM24/pa. Besides, they will issue the Public Bank Day2Day VISA debit card to you right away.

Basically you are maintaining an account with Public Bank too with the Public Bank VISA Electron. Just an account without passbook. There will be a monthly statement though.

Please take note that you must keep AT LEAST RM25 in your Public Bank VISA Electron account at all time whereas for the Public Bank Day2Day VISA debit card, you need to maintain only RM1.


QUOTE(solsekuin44 @ Aug 11 2009, 09:33 PM)
Yours is Public Bank VISA Electron or Public Bank Day2Day VISA?
I used to have Public Bank VISA Electron. That was when i'm not qualified to hold a credit card. I just canceled it in January this year.

I am now holding a Public Bank Day2Day VISA debit card. Just changed to it from my regular ATM card (the blue one with red Public Bank logo on top - click the link below to view) to this card last week. I am going to report a loss on this Public Bank Day2Day VISA debit card next year and will request for the regular ATM card. The annual fee for the regular ATM card is cheaper at RM8/pa. Besides, i have no use of this Public Bank Day2Day VISA debit card. I applied for it just to add into my debit card/credit card collection laugh.gif

Public Bank ATM Card


QUOTE(solsekuin44 @ Aug 11 2009, 09:43 PM)
nanakopy is right. So, as you can see, PBVE is better since it is not linked to your saving account. I want to use this debit card purely for spending. If I mix it up with saving, habisla..
Then you just need not to deposit too much money into your Public Bank savings account. Only deposit money into it when you need to use it. The minimum deposit to maintain for Public Bank savings account is only RM1 smile.gif


QUOTE(wkf @ Aug 11 2009, 09:34 PM)
hi. i'm going to apply the maybank debit card. is it true that no annual fee charged & collect the card on the spot immediately after application.  if not, how long it take for the card collection.
Maybank cherry VISA debit card will be issued to you right away. You are now given two options.

Option 1
- no annual fee
- free 4 ATM withdrawals in a month
- RM0.50/withdrawal will be charged from the 5th withdrawal and so on

Option 2
- RM8/pa
- unlimited withdrawal

EnSky
post Aug 12 2009, 12:47 AM

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Anyone able to give me the list of debit cards which can withdraw funds from PayPal?
wkf
post Aug 12 2009, 01:41 AM

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Option 1
- no annual fee
- free 4 ATM withdrawals in a month
- RM0.50/withdrawal will be charged from the 5th withdrawal and so on

Option 2
- RM8/pa
- unlimited withdrawal
*

[/quote]


oh. very good. mbb card is the best rate compare to the other bank right. how is the service wise.
MilesAndMore
post Aug 12 2009, 02:24 AM

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QUOTE(wkf @ Aug 12 2009, 01:41 AM)
oh. very good.  mbb card is the best rate compare to the other bank right.  how is the service wise.
Far behind Public Bank and HSBC vmad.gif Like their online banking portal though smile.gif

nanakopy87
post Aug 12 2009, 07:54 AM

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QUOTE(MilesAndMore @ Aug 12 2009, 12:24 AM)
» Click to show Spoiler - click again to hide... «
hmm,i think both oso got their pros and cons....
but the anual fee for D2D can't be waive right?
while ,for PBVE,the anual fee will be waive if u can use at certain amount

QUOTE(EnSky @ Aug 12 2009, 12:47 AM)
Anyone able to give me the list of debit cards which can withdraw funds from PayPal?
*
bro,i tot 1st page got the list dy? rclxub.gif
MilesAndMore
post Aug 12 2009, 01:13 PM

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QUOTE(nanakopy87 @ Aug 12 2009, 07:54 AM)
but the anual fee for D2D can't be waive right?

No. Cannot be waived. But you can always use it at supermarket and to pay at any petrol station. Currently it gives 1% cash back. After the promotional period, it will give 0.8% instead.

I spend around RM5000 on car petrol alone per annum. Based on 0.8%, Public Bank will have to give me RM40. After deducting the RM12 annual fee for Public Bank Day2Day VISA debit card, i will still earn RM28/pa.

As for Maybank cherry debit card, it will only give you 1 Treatpoint for every RM3 charged to the card which is a far cry compared to Public Bank Day2Day VISA debit card.


QUOTE(nanakopy87 @ Aug 12 2009, 07:54 AM)
while ,for PBVE,the anual fee will be waive if u can use at certain amount
True. Last time it was stated that the annual fee will be automatically waived provided you have spent at least RM1000 in a year. But they have removed this from their website. So i do not know if the annual fee waiver is still available or not.

nanakopy87
post Aug 12 2009, 01:16 PM

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ooo..is it?
btw,mie is PB ING debit master card...they told me can be waived as long as i can use up to tat amount per annum...but duno now still the same o not
ekestima
post Aug 12 2009, 03:35 PM

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RHB Bank have too. But having trouble using them at MBB atm coz of the shape. (One side looks like gotten cut off)
qpalzm87
post Aug 12 2009, 11:06 PM

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ooo..is it?
btw,mie is PB ING debit master card...they told me can be waived as long as i can use up to tat amount per annum...but duno now still the same o not


you might want to refer to this
http://www.pbebank.com/en/en_content/perso...oolrewards.html

solsekuin44
post Aug 13 2009, 01:48 AM

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QUOTE(MilesAndMore @ Aug 12 2009, 12:24 AM)
Yes. You will need to open a savings account with Public Bank in order to apply for Public Bank Day2Day VISA debit card.

But in my opinion, Public Bank Day2Day VISA debit card is better because of the lower annual fee at RM12/pa compared to Public Bank VISA Electron at RM24/pa. Besides, they will issue the Public Bank Day2Day VISA debit card to you right away.

Basically you are maintaining an account with Public Bank too with the Public Bank VISA Electron. Just an account without passbook. There will be a monthly statement though.

Please take note that you must keep AT LEAST RM25 in your Public Bank VISA Electron account at all time whereas for the Public Bank Day2Day VISA debit card, you need to maintain only RM1.
I used to have Public Bank VISA Electron. That was when i'm not qualified to hold a credit card. I just canceled it in January this year.

I am now holding a Public Bank Day2Day VISA debit card. Just changed to it from my regular ATM card (the blue one with red Public Bank logo on top - click the link below to view) to this card last week. I am going to report a loss on this Public Bank Day2Day VISA debit card next year and will request for the regular ATM card. The annual fee for the regular ATM card is cheaper at RM8/pa. Besides, i have no use of this Public Bank Day2Day VISA debit card. I applied for it just to add into my debit card/credit card collection  laugh.gif

Public Bank ATM Card
Then you just need not to deposit too much money into your Public Bank savings account. Only deposit money into it when you need to use it. The minimum deposit to maintain for Public Bank savings account is only RM1  smile.gif
Maybank cherry VISA debit card will be issued to you right away. You are now given two options.

Option 1
- no annual fee
- free 4 ATM withdrawals in a month
- RM0.50/withdrawal will be charged from the 5th withdrawal and so on

Option 2
- RM8/pa
- unlimited withdrawal
*
Wah.. Can report your card as missing? brows.gif Pandainya.. Haha. Ya, I want to control on what I spend, that's why I choose PBVE debit card. If by paying rm24 per year means it can save me from using my money without control, I don't mind..
Saving account should be left untouched.
Hm, for every transaction done with Paypal, will they charge any amount?

This post has been edited by solsekuin44: Aug 13 2009, 01:50 AM
MilesAndMore
post Aug 13 2009, 02:19 AM

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QUOTE(solsekuin44 @ Aug 13 2009, 01:48 AM)
Hm, for every transaction done with Paypal, will they charge any amount?
Depends on what kind of transaction you're talking about. Usually when you pay a merchant via PayPal, you will only be charged to amount you needed to pay the merchant. That's it. No handling fee of any sort.
solsekuin44
post Aug 13 2009, 11:09 PM

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QUOTE(MilesAndMore @ Aug 13 2009, 02:19 AM)
Depends on what kind of transaction you're talking about. Usually when you pay a merchant via PayPal, you will only be charged to amount you needed to pay the merchant. That's it. No handling fee of any sort.
*
No handling fee sounds good to me.. brows.gif Thanks MilesAndMore! O yeah, last time you told me I should verify the debit card for online transaction at home right?
But the bank officer said, after I received the card, I should go to the bank and have it registered for Verified by Visa.
Mana2 pun boleh kan?
MilesAndMore
post Aug 14 2009, 12:05 AM

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QUOTE(solsekuin44 @ Aug 13 2009, 11:09 PM)
I should go to the bank and have it registered for Verified by Visa.
Go to the bank ? As far as i'm concerned, we need to do it ourselves at home. But if that particular Public Bank branch you go to has public computer, then yes. You can register for Verified by VISA using the computer there too.

solsekuin44
post Aug 14 2009, 12:48 AM

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QUOTE(MilesAndMore @ Aug 14 2009, 12:05 AM)
Go to the bank ? As far as i'm concerned, we need to do it ourselves at home. But if that particular Public Bank branch you go to has public computer, then yes. You can register for Verified by VISA using the computer there too.
*
Ok.. Will share here what I do for that. Haha. O yeah, the pin given for Verified by Visa, can you choose any password or just accept what is given to you?
Sorry ya, have no experience whatsoever in using credit or debit cards. blush.gif
MilesAndMore
post Aug 14 2009, 02:43 AM

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QUOTE(solsekuin44 @ Aug 14 2009, 12:48 AM)
Ok.. Will share here what I do for that. Haha. O yeah, the pin given for Verified by Visa, can you choose any password or just accept what is given to you?
Sorry ya, have no experience whatsoever in using credit or debit cards. blush.gif
You will need to create one yourself smile.gif

Vistaril
post Aug 14 2009, 08:59 AM

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Hey everyone,

Just want to ask how do you withdraw money from PayPal by using PB Day2Day card?
I'm sorry quite confused for this procedure.

Thanks.

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