It was RM1000 in 2006, 2007 and 2008. Not sure if the rule has changed now. Better confirm with Public Bank.

No worries. Been there. Call Public Bank CS, they will ask you a few questions and then they will unblock the card for you.

I assume he is studying in US ? Why don't you just get him a Citibank Citicard ? It is annual fee free. Citibank does not charge a cent when he withdraws money at overseas Citibank. Another alternative is HSBC but HSBC will charge you RM5 for each withdrawal made at overseas HSBC (overseas handling fee will be waived if you're holding a Premier ATM Card).

Anyways, these two options certainly are much better than Public Bank VISA Electron.


Open an account in Citibank or HSBC. HSBC is huge in New York. HSBC is also present in many other States but not quite as big as New York. Citibank is also huge in New York, Los Angeles, Chicago, Miami area. Should be very convenient for your son.

This post has been edited by MilesAndMore: Jun 26 2009, 01:31 PM

Citibank Citicard can be issued with both Savings/Checking account. Blue one for regular customers and Gold one for Citigold customers.


Midwest University in St Louis ? Yeah, there is indeed no Citibank branch there. Bank of America is huge there but not a single branch for Citibank. What a pity !

Exactly.

Affirmative

If you do not have any friends or relatives who are Citibank customers, you may still be able to open an account with Citibank by submitting a letter of reference from another bank. This is however subjected to the branch manager's approval. Good luck !

WHAT ? I have online banking for my Public Bank savings account when i was still using PBVE and they are NOT linked. Better check again, preferably at a Public Bank branch.

1 username only.


Yeah. most likely you had

Eh, how come yours take so long ? I applied for online banking for my PBVE around afternoon and was told i'll be able to access my online account after 6pm on the same day.

Anyone managed to book a room at Genting Highlands using PBB Day2Day VISA Debit Card ?

And what should we enter for the credit limit if we were to register PBB Day2Day VISA Debit Card for "Verified by VISA" ? Is it 000000 just like PBB VISA Electron ?

This post has been edited by MilesAndMore: Jul 1 2009, 11:52 PM

You should consider applying him the Public Bank Day2Day VISA debit card. RM10 will be deducted whenever he withdraw cash at CHASE/Bank of America/US Bank ATM. It works just like PBB VISA Electron. The annual fee is RM12 and will be issued to you right away when you open a savings/current account with Public Bank. If he already owns an account with Public Bank, just tell them you'll like to apply an ATM Card/VISA Debit. Since he is still under 18, the dad or mom has to sign a few documents so an ATM Card/VISA Debit can be issued.


You need to register for "Verified by VISA" from www.publicbank.com.my if you want to use it to buy a room at Genting.

More or less the same. He needs it so his son can simply withdraw money while studying in the US. TT is troublesome.

What do you mean by "processing fee" ? There is no "2 or 3 % processing fee" for credit card. There is however, 0% - 2.5% of administration fee when you use your credit card overseas.


Most bank charge RM8/pa for ATM/debit card. Public Bank is charging RM12 for the Day2Day ATM/VISA Debit card. It also depends on what account you are holding. The is no ATM/debit card annual fee if it is basic savings/current account.

This post has been edited by MilesAndMore: Jul 3 2009, 02:05 AM

Public Bank VISA Electron, Public Bank ING Debit Mastercard, Public Bank Day2Day VISA Debit Card.


I don't get what you were trying to say here.

This post has been edited by MilesAndMore: Jul 5 2009, 08:37 PM

Please note that you will be charged RM12 to convert your existing PB ATM Card to PB Day2Day VISA Debit. RM12 will be automatically deducted from your account a year later and so on.

By the way, earlier on someone claimed he/she managed to book a room via www.genting.com.my using his/her Standard Chartered Debit Mastercard (issued with E$AVER account).


Actually there is NO annual fee for Public Bank PLUS Savings Account. The RM8 is only chargeable if you have an ATM card issued.

If you choose to convert your existing ATM Card (old one is red color while new one is blue color) to Public Bank Day2Day VISA Debit Card, you will only be charged RM12/pa, which is RM4 more than their regular ATM card which can only be used at MEPS supported ATM.

Maybank VISA Debit Card is the best actually as it is annual fee free but NOT recommended for those intend to use the card for online transaction as it CAN'T be used online. Citibank VISA Debit Card is also annual fee free but i am not sure if it can be used online. Anyways, many debit cards on the market DO NOT support online transaction with the exception of the debit cards offered by Public Bank. Many have successfully used their Public Bank debit cards online include myself.

This post has been edited by MilesAndMore: Jul 5 2009, 10:30 PM

I beg to differ. Actually a debit card is more dangerous than credit card. Why ? Because with debit card you are using your own money every time you swipe your debit card whereas with credit card you are using the bank's money. If your debit card is stolen and charged a huge sum of money into it (assume that you have lots of money inside), the money pretty much is lost forever whereas if a fraud happens on a credit card, one needs to pay a maximum of RM250 only. The problem is that many people do not know the existence in such clause in the credit card agreement (about the maximum liability of RM250) and when this happen, the bank will force your to pay for the full amount. And of course BNM is responsible too for not enforcing this rule strictly.

This is pretty much the reason why i DO NOT charge anything to my Standard Chartered debit Mastercard, except only for the petrol transaction between January 08 - June 08 as Standard Chartered was having this irresistible deal then (7% cash back)

This post has been edited by MilesAndMore: Jul 5 2009, 10:41 PM

Please refer to the previous version of credit card thread. A lady won a credit card fraud case against a bank (Citibank if not mistaken). The sum involved was RM2k i believe.

Only if your card is a "Bankard". All regular ATM cards issued by local banks have the "Bankard" feature.

You do not have to enter your pin number if you are paying using a VISA Electron, VISA debit or Mastercard debit card. Please do not confuse VISA Electron/VISA debit/Mastercard debit with "Bankard".

This post has been edited by MilesAndMore: Jul 6 2009, 01:09 AM

There will be 1% administration fee for all overseas transaction.



You sure it's RM20 and not RM25 ? Anyway, Public Bank requires you to keep a minimum balance of RM25 in your VISA Electron at all times. The RM25 deposit will be refunded to you when you cancel your VISA Electron.


Sure. As you have insufficient fund in your VISA Electron and payment will be declined.