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 Debit card, Anything about it.

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FayeChan
post Mar 16 2008, 10:19 AM

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Great list. Now can this be stickied to the first page? biggrin.gif

Actually only one card I know has the e-debit facility via BANKCARD/MEPS most efficient usage and that would be the current Maybankard ATM.

The thing is the enforcement of e-debit nationwide for merchants is slow compared to another country say Australia (where their e-debit facility a.k.a EFTPOS [Electronic Funds Transfer At Point Of Sale] is 60% effective and that covers a lot of merchants/retailers).

So having a VISA or a MasterCard logo slapped onto the ATM cards is a significant boon for consumer bankers. Good for Maybank to further advance the trend and hopefully other banks will follow suit.


PS: RHB has a Prepaid MasterCard of its own too. Its called RHB e-Cash Plus Prepaid MasterCard.
The Apprentice
post Mar 16 2008, 10:28 AM

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QUOTE(ahtiven @ Mar 15 2008, 10:38 PM)
owner of both nextg and public debit card here.

i must say pb wins hands down in term of everything. now my nextg mastercard collecting dust only.
*
Never use my debit card too.
I think its not as convenient as credit card and has risk also.
SUSDavid83
post Mar 16 2008, 10:29 AM

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QUOTE(The Apprentice @ Mar 16 2008, 10:28 AM)
Never use my debit card too.
I think its not as convenient as credit card and has risk also.
*
Same goes to me. Never debit card after got my credit card.
ahtiven
post Mar 16 2008, 10:32 AM

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QUOTE(The Apprentice @ Mar 16 2008, 10:28 AM)
Never use my debit card too.
I think its not as convenient as credit card and has risk also.
*
of course there are risks, but not as damaging as credit cards.

let assume that your credit card limit is rm20k, your debit left rm2k.

and one day, you lost both of your credit and debit card. the thief uses both of them till the limit, you lost 20k for the credit card, 2k for the debit card.


now tell me which has more critical damage to you in term of finance?
FayeChan
post Mar 16 2008, 10:44 AM

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^^ May I further add on that the debit facility is more cash controlled than a credit card; where the propensity to further spend is fueled by the spend now pay later mentality.

And individuals without the proper self control will go overboard with their credit card spending. Thus all the bad debts accumulated till they are overwhelmed.
Shinichi
post Mar 16 2008, 02:04 PM

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QUOTE(he-sham @ Mar 16 2008, 04:14 AM)
so many debit/prepaid cards available now...

for summarize let me list...

MasterCard
1) Standard Chartered Debit MasterCard
2) AffinBank Debit MasterCard
3) EONBank COMBI Debit MasterCard
4) EONBank Pavillion Prepaid MasterCard
5) EonBank Unembossed Prepaid MasterCard
6) EonBank MOLFreedom Prepaid MasterCard
7) AMBank NexG Prepaid MasterCard
8) i-Synergy MasterCard Electronic (dont know still exists or not
VISA
1) Maybank VISA Debit Bankcard
2) Public Bank VISA Electron
3) Al-Rajhi i-debit VISA atm card
4) TUNEMoney prepaid VISA
5) BSN VISA Electron
6) Standard Chartered VISA Electron
7) UOBBank VISA Electron
MAESTRO
1) Alliance Bank International MAESTRO Debit Card
its looklike only CIMB bank dont have debit card product...plus their ATM card sux & has no e-debit capability....unlike maybank atm bankcard(yellow/black or kawanku atm card), CIMB ATM card cant be used to pay at petrol station either at the pump or cashier....
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Among all avaialble DCs, which offer the best benefits?
Shinichi
post Mar 16 2008, 03:19 PM

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QUOTE(MilesAndMore @ Mar 9 2008, 12:55 AM)
About Public Bank Visa Electron
- **An annual fee of RM24
- Free printed monthly statement send directly to your registered address
- May use PB E-Banking
- Cash Rebate (please refer to Public Bank website)

**This annual fee will be automatically waived if you spend more than RM1001.00 per calendar year.
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Is this true? Where you get the info from? I cant seems to find it from PB website.
vin_ann
post Mar 16 2008, 03:48 PM

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QUOTE(Shinichi @ Mar 16 2008, 02:04 PM)
Among all avaialble DCs, which offer the best benefits?
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i thought u shd ask, among them which 1 is verified by pay pal? haha
Shinichi
post Mar 16 2008, 03:51 PM

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QUOTE(vin_ann @ Mar 16 2008, 03:48 PM)
i thought u shd ask, among them which 1 is verified by pay pal? haha
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lol, for Paypal currently I'm using PBVE. Now I wonder why Paypal do not accept Maybank Visa Debit. rclxub.gif
he-sham
post Mar 16 2008, 03:58 PM

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QUOTE(Shinichi @ Mar 16 2008, 03:51 PM)
lol, for Paypal currently I'm using PBVE. Now I wonder why Paypal do not accept Maybank Visa Debit. rclxub.gif
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who said maybank visa debit cant verify paypal ?? u already try ??

from the list above i think most VISA (PBVE,Tunemoney,alrajhi) able to verify paypal...

...mastercard cannot....anyone succesfully apply by mastercard pls share your expirienced....
Shinichi
post Mar 16 2008, 04:01 PM

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QUOTE(he-sham @ Mar 16 2008, 03:58 PM)
who said maybank visa debit cant verify paypal ?? u already try ??

from the list above i think most VISA (PBVE,Tunemoney,alrajhi) able to verify paypal...

...mastercard cannot....anyone succesfully apply by mastercard pls share your expirienced....
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Yes I tried mine and it says the card is denied by bank.
mantero
post Mar 16 2008, 04:19 PM

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i tot maybank visa debit card just launched a few days ago..
The Apprentice
post Mar 16 2008, 04:20 PM

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QUOTE(ahtiven @ Mar 16 2008, 10:32 AM)
of course there are risks, but not as damaging as credit cards.

let assume that your credit card limit is rm20k, your debit left rm2k.

and one day, you lost both of your credit and debit card. the thief uses both of them till the limit, you lost 20k for the credit card, 2k for the debit card.
now tell me which has more critical damage to you in term of finance?
*
You got a point. I downgraded some cards credit limits and just bring out low-end/ classic/ normal card rather than high-end/ platinum/ gold card for daily expenses, only carry and use high end card for special function/ travel purposes.
Shinichi
post Mar 16 2008, 04:28 PM

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QUOTE(mantero @ Mar 16 2008, 04:19 PM)
i tot maybank visa debit card just launched a few days ago..
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Yes and I got mine on Friday...
tkwfriend
post Mar 16 2008, 06:55 PM

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insurance company they dun take debit card
KiyoshiJoz
post Mar 16 2008, 10:02 PM

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QUOTE(max_cavalera @ Mar 12 2008, 06:44 PM)
O.o"why wanna cancel dude? i use mol freedom at mph, pay petrol and online transaction, absoultely no problem at all.
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well...not much use for it..i actually applied for it for a purpose...to buy something online haha..and out of curiosity also la....and its way faster then sending funds via banks etc...but now..not much use for it already.. =.='; so ya....cancel lor...

btw..jsut to reply above posts...ive tried mol freedom for paypal...it works fine...as long as you got sufficient credit..and it has the visa/ mastercard logo its acceptable..its cash..

This post has been edited by KiyoshiJoz: Mar 16 2008, 10:04 PM
Shinichi
post Mar 16 2008, 10:23 PM

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To PBVE holders, may I know if PBVE is accepted by all petrol stations?

Thanks.
skincladalien
post Mar 16 2008, 10:28 PM

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QUOTE(ahtiven @ Mar 16 2008, 10:32 AM)
of course there are risks, but not as damaging as credit cards.

let assume that your credit card limit is rm20k, your debit left rm2k.

and one day, you lost both of your credit and debit card. the thief uses both of them till the limit, you lost 20k for the credit card, 2k for the debit card.
now tell me which has more critical damage to you in term of finance?
*
dude, there is a law from BNM that u only need to pay maximum up to RM250 for fraud use of credit card. wheres if your 2k in debit card is used up good luck asking the bank to refund you.
scph50004
post Mar 16 2008, 10:28 PM

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Just received my PBVE card, now thinking of applying for the Maybank debit card. Any thoughts on that card?
SUSDavid83
post Mar 16 2008, 11:37 PM

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QUOTE(scph50004 @ Mar 16 2008, 10:28 PM)
Just received my PBVE card, now thinking of applying for the Maybank debit card. Any thoughts on that card?
*
I'll go for Maybank Visa Debit since it has no annual fee and it's a truly Visa.
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